You can't. One spouse has used the provident fund loan to buy a house, but the other spouse can no longer use it. A family cannot apply for two provident fund mortgages at the same time. According to the relevant regulations, as long as the provident fund loan applied by both husband and wife in the name of either party belongs to the joint debt of husband and wife, it needs to be repaid by both husband and wife.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 1064 Debts jointly signed by husband and wife or ratified by one of them afterwards, as well as debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship, are joint debts of husband and wife. Debts incurred by one spouse in his or her own name during the marriage relationship that exceed the daily needs of the family are not joint debts of the husband and wife, except that the creditor can prove that the debts are used for the common life, joint production and operation of the husband and wife or are expressed on the basis of the common meaning of the husband and wife.

Article 1089 At the time of divorce, the joint debts of husband and wife shall be paid off jointly. If the joint property is insufficient to pay off or the property belongs to each other, and the agreement between the two parties cannot be resolved, the people's court shall make a judgment.