One spouse can borrow money to buy a house before marriage, and the other spouse can withdraw the provident fund after marriage. The following balance can be withdrawn from the employee housing provident fund account: 1, purchase, construction, renovation and overhaul of owner-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the house purchase loan; 6, the rent exceeds the prescribed proportion of family wage income.

Legal basis:

"Regulations on the Management of Housing Provident Fund" Article 24 An employee may withdraw the storage balance in the employee's housing provident fund account under any of the following circumstances: purchase, construction, renovation and overhaul of self-occupied housing; Retired; Completely lose the ability to work and terminate the labor relationship with the unit; Settle abroad; Repay the principal and interest of the house purchase loan; Rent exceeds the prescribed proportion of family wage income.