You can just name one person and apply for your divorce certificate. Provident fund repayment 1 year is only once, so you still have to use your own money to repay the loan every month.

2. Can one party cancel the loan after the divorce of housing provident fund?

According to China's "Regulations on the Management of Housing Provident Fund", the handling methods of housing provident fund loans after divorce are as follows:

1. One party agrees.

If one party returns the house at the time of divorce, the other party can continue to repay the loan according to the original repayment plan.

2.*** Same agreement

At the time of divorce, if both parties have an agreement on real estate loans, they can handle the real estate and loans according to the agreement. If there is no agreement between the two parties, the handling of housing loans needs to be resolved through litigation.

3. Change the housing share

After divorce, if one party wants to cancel the housing provident fund loan, it can consider applying for the other party to adjust the housing share to a higher level and let the other party take over the loan repayment.

In short, the handling of provident fund loans after divorce should be decided according to the actual situation of both parties and the agreement of both parties. I suggest you go to the local housing provident fund management center for more detailed information.

Three, the husband and wife divorced during the use of housing provident fund loans, the house belongs to the woman, who should pay the later payment?

Whoever owns the house will repay the loan. You can go to the bank with a divorce certificate and ask for cancellation of your provident fund deduction.

Can I cancel a person's provident fund loan after divorce?

If the mortgagee agrees, the housing provident fund loan guarantor can change it halfway. After divorce, the person who cancels the deposit of provident fund needs to submit an application to the loan bank and the provident fund management center. After approval, the payment of provident fund can be transferred to one party's name. Wages, bonuses and labor remuneration belong to the joint property of husband and wife, and housing accumulation fund also belongs to the joint property of husband and wife. Divorce can be divided equally through negotiation. If negotiation fails, it can be conducted through the people. "Regulations on the Management of Housing Provident Fund" Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. Article 406 of the Civil Code of People's Republic of China (PRC) * * * During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected. Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor. Article 1062 The following property acquired by husband and wife during the marriage relationship is the common property of husband and wife and belongs to both husband and wife: (1) wages, bonuses and labor remuneration; (2) Income from production, operation and investment; (3) Income from intellectual property rights; (4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law; (five) other property that should be owned by * * *. Husband and wife have equal rights to dispose of the same property.