If the accumulated balance of the husband and wife's provident fund account is insufficient to repay the loan principal and interest of the current month, it shall not be withheld, and the client shall deposit the funds that can be fully transferred monthly into the repayment savings account (provided when applying for a loan) before the monthly repayment date.
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, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.