Hello, yes, the mortgage lender can use his wife's provident fund, but the main lender can't change, and the man is still the main lender of the mortgage. Everyone needs to pay attention to: 1. From commercial loans to provident fund loans to purchase houses, support the original commercial loan borrowers and their spouses to apply; 2. If you want to successfully handle the transfer business, you must first ensure that the housing provident fund paid locally has been paid in full and on time for six months, and the account is in a normal deposit state (if the account is sealed, you can't apply for provident fund loans temporarily); Secondly, the name has not been used for provident fund loans or has been settled; Also, the original commercial loan needs to be repaid for more than one year (inclusive), and the credit record is good, and there has never been any overdue behavior. The wife's housing provident fund is used to apply for the provident fund to hedge the loan repayment business, and can also be used to offset the mortgage principal and interest (there are two ways: monthly and annual). Monthly charge is to deduct the corresponding amount from the account to compensate the principal and interest payable in the current month, and annual charge is to deduct the account balance once a year to compensate the principal payable).

2. Pre-marital commercial loans can be transferred to spouse provident fund loans after marriage?

Hello, this is the same as my problem. It is understood that this is impossible. After marriage, the spouse can use the provident fund to help pay back the house, but the commercial loan cannot be converted into the spouse's provident fund loan, because the head of the household and the provident fund owner are not the same person. I hope my answer can help you.

Third, when buying a house, I used a commercial loan. Can it be changed into spouse's provident fund after marriage?

Ask the provident fund management center if there is any business of lending. Not every place allows commercial loans to be converted into provident fund loans.

At least you can apply to repay the loan with the balance of your spouse's provident fund account.

Four, how to transfer commercial loans to spouse provident fund?

The answer is: take the identity cards and photocopies of both husband and wife, and the proof of husband and wife relationship (marriage certificate and photocopy). All documents and materials of commercial bank loans. Go to the counter of the provident fund management center in the government hall.