2. Generally speaking, the balance of the husband and wife's provident fund account can be used to repay the housing loan in the name of one or both parties, but whether it can be used for the second home loan depends on local regulations.
3. In some cities, if the balance of the husband and wife's provident fund account is sufficient and meets the relevant regulations of the local provident fund management center, they can apply for using the provident fund to repay the loans for two houses. But there are usually some restrictions, for example, it can only be used to repay the first home loan, or one of the two houses must be the first home.
4. If the house under the husband's name is purchased before marriage, then when applying for using the provident fund, it may be necessary to consider the nature of the property (whether it is the same property) and the nature of the loan (whether it is the same debt).
5. If you want to use the provident fund to repay the loan on a monthly basis, you need to comply with the relevant local policies and regulations.
It is recommended that you and your spouse bring relevant supporting materials and directly consult the local housing provident fund management center or loan bank to understand the specific operation procedures and conditions. At the same time, you can also ask if there are any other repayment methods or preferential policies suitable for your situation.