Husband and wife are not from the same city, can they repay their wives with provident fund loans? Suzhou people bought a suite with a provident fund loan before marriage, and I don't have any real estate in Shanghai. As long as you are husband and wife, you have a house in your wife's name, and you haven't paid off the loan yet.

If you buy another apartment in Shanghai in your name, it will be considered as a second suite, because it is a house and a loan, and it is a family unit. Family refers to yourself, your spouse and your minor children. There can be no housing for filing in the name of the three parties, and the three parties can't have loans in the bank.

If you pay off the Suzhou housing loan, you still have a house in your spouse's name, and buy two more, unless you sell the Suzhou housing and pay off the loan,

You can't buy a house in Shanghai with your wife's Suzhou provident fund loan. You can go through the withdrawal procedure.