Hello, according to Shanghai's provident fund loan policy: when only one party in the family meets the provident fund application conditions, you can only apply for a provident fund loan as an individual. Since one of you has stopped paying, you can only apply for a provident fund loan in your personal name. If you have supplementary provident fund, then you can borrow up to 500,000, if not, you can borrow up to 400,000.

Note: The supplementary housing provident fund is a long-term housing savings fund. The supplementary housing provident fund paid by the employee himself and paid by the unit for the employee belongs to the employee personally.

I hope my answer will be helpful to you.