RHONJ accused criminals “Juicy” Joe & TERESA GIUDICE slapped with additional charges of criminal intent to commit fraud.

The controversial couple was just slapped with two additional fraud charges — bank fraud and loan application fraud.

As The ENQUIRER first reported the Giudices were first indicted on 39 counts July 29.  But now, the ante was upped on Nov. 18 to 41 counts with the new charges stemming from a $361,250 mortgage loan that Teresa obtained in 2005 in which Joe falsely states that Teresa was employed as a realtor with a monthly salary of $15,000.

Teresa was in fact unemployed at the time.

Each of the new charges carry a maximum penalty of 30 years in prison and a $1 million fine.

The court documents state that Joe and Teresa “did knowingly and intentionally conspire and agree with each other and others to devise a scheme and artifice to defraud Lenders and to obtain money from the Lenders by means of materially false and fraudulent pretenses, representations, and promises…”

Joe and Teresa appeared before U.S. District Judge Esther Salas in a Newark, New Jersey, court for an arraignment on their new charges at 10:30 A.M. Nov. 20 and pleaded not guilty.

EXCLUSIVE DOCUMENTS: Joe & Teresa Giudice Indicted On MORE Fraud Charges — Read Them Here!