The wife's housing provident fund can repay her husband's mortgage. Both husband and wife can apply for provident fund loans when buying a house. They need their ID cards, marriage certificates, household registration books and other materials to apply for provident fund loans at the provident fund window, so that they can use their wives' provident fund to repay their husbands' loans. If you apply for a mortgage with your husband's provident fund, then your spouse can also go to the provident fund center to hedge and use the balance of the provident fund account to pay the monthly mortgage. In addition, if the withdrawal conditions are met, the wife's provident fund can also be withdrawn to pay her husband's mortgage, which is the same.

Provident fund loan process:

1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation;

2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated;

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";

4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;

5. Sign a loan contract;

6, housing fund management center and the entrusted bank loan agreement;

7. The borrower directly submits a loan application to the housing fund management center, and the entrusted industry can summarize the borrower's application according to the needs and submit it to the housing fund management center for approval;

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.

To sum up, the use of provident fund can help spouses repay their mortgages. To help your spouse repay the mortgage, you need to bring your husband and wife's ID card, marriage certificate, household registration book (husband and wife's single page and the first page of household registration book) and copies to the provident fund business processing window for approval. After the approval, you can take the relevant materials to the bank where the provident fund account is located, and then use it to repay the mortgage.

Legal basis:

Article 1062 of the Civil Code of People's Republic of China (PRC)

The following property acquired by the husband and wife during the marriage relationship is the common property of the husband and wife and belongs to the husband and wife:

(1) Wages, bonuses and remuneration for labor services;

(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.