Hello, according to the situation you described, if you want to use the provident fund loan to buy a house in Shanghai, you need to transfer your wife's provident fund to Shanghai first: that is, after setting up a housing provident fund account in Shanghai and paying the housing provident fund, you can apply to transfer the housing provident fund paid in Beijing to Shanghai and use the provident fund loan to buy a house.

The materials required for handling are as follows:

(a) the applicant's valid identity documents;

② Application Form for Transfer and Continuation of Shanghai Housing Provident Fund in Different Places in duplicate;

The specific process is as follows:

① Application acceptance: After setting up a housing provident fund account in this city and depositing the housing provident fund, you can apply to Shanghai Provident Fund Management Center to transfer the housing provident fund deposited by other provinces and cities to this city. Shanghai Provident Fund Center will complete the settlement within 3 working days;

② Transfer-out of information and funds: After the transfer-out center receives the contact letter sent by the transfer-out center, it will confirm the information through the feedback of the platform, and complete the review, acceptance and transfer-out of information and funds within 5 working days;

③ Information Receiving and Fund Transfer: After receiving the Housing Provident Fund Transfer and Continuation Account Information Form and the transferred funds sent by the platform, the transfer center will complete the review, account entry and information transfer within 3 working days.