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夫妻负债信用卡30万可以申请房贷吗
释义
法律分析:
夫妻信用卡负债30万的,可以申请房贷,一般只要按时还款了没有逾期记录,并且符合相关法定条件的,就可以申请贷款,但是如果信用卡的欠款没有按时偿还产生了逾期记录的,则房贷的申请一般不会通过。《中华人民共和国商业银行法》第七条
商业银行开展信贷业务,应当严格审查借款人的资信,实行担保,保障按期收回贷款。
商业银行依法向借款人收回到期贷款的本金和利息,受法律保护。
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更新时间:2026/1/21 8:48:44