1. Both husband and wife can use provident fund loans at the same time.

2. After the first home loan is settled, the couple can use the provident fund loan to buy another house at the same time;

3. Two couples can't use provident fund loans to buy two houses at the same time;

4. After each husband and wife buy a house, they can use the provident fund to withdraw cash at the same time;

5. If the husband and wife have no room to rent a house, they can use the provident fund to withdraw cash at the same time.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund 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.