Judging from your question, when buying a house a few years ago, it must be a commercial loan. Now that you have the provident fund, according to the regulations, you can withdraw the provident fund of you, your spouse and the borrower in the loan contract to repay the principal and interest of the loan.

There are usually two extraction methods:

1. Withdraw all the balance in the provident fund account to repay the loan principal (once a year, a certain balance needs to be kept in the account, which varies from place to place). After the principal is repaid, the total amount of loan principal and interest decreases. Monthly payment or fixed number of years will be recalculated: if fixed number of years is selected, monthly payment will be reduced after recalculation; If the monthly payment remains unchanged, the repayment period will be reduced. Then you can choose.

2. After withdrawing the provident fund, it will be "associated" with your repayment card. For example, your monthly payment is 1500 yuan. After cash withdrawal,10.5 million, the repayment card will be associated. After 10 months, there is no need to deposit money in the card, and the loan will be repaid by the provident fund.

2. Withdrawal procedures: Bring the loan contract, repayment card (or provident fund card), my ID card and the Certificate of Withdrawal of Provident Fund issued by the company. If you want to withdraw your spouse's provident fund, you should go through the formalities at the loan bank or the local provident fund management center with your marriage certificate, ID card and the Certificate of Provident Fund Withdrawal issued by your spouse's company.