During the repayment of commercial loans, you can withdraw your spouse's provident fund to repay the principal and interest of commercial loans. This withdrawal method can be applied even without the other party's name, but it only withdraws the balance of the personal account of the housing provident fund to repay the loan principal and interest, without changing the original commercial loan interest rate.

Information required for extraction: certificate of provident fund extraction issued by your husband's unit, marriage certificate, house purchase contract, loan contract, identity documents of both parties, etc. During the repayment of commercial loans, the number of withdrawals is generally once a year.