Legal analysis: husband and wife housing provident fund can repay the loan together. When signing a loan contract, both husband and wife sign it together, and one of them is the repayment party, and the provident fund in his account can be used to repay the loan. There are two repayment methods for personal housing provident fund loans: monthly equal principal and interest repayment method and monthly average principal repayment method.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund in People's Republic of China (PRC) stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.