Legal analysis: one of the husband and wife has applied for a housing provident fund loan, and neither husband nor wife can apply for a housing provident fund loan until the principal and interest of the loan are fully paid off. Because the house is the common asset of both husband and wife, and the loan is the common debt of both husband and wife. If you want to repay with family income, it is very likely to affect your repayment ability before the loan is paid off. However, after paying off the loan principal and interest, if you buy a house again, you can apply for a housing provident fund loan again.

Legal basis: Regulations on the Management of Housing Provident Fund

Thirteenth housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Fourteenth newly established units shall, within 30 days from the date of establishment, go through the registration of housing provident fund deposit at the housing provident fund management center, and set up housing provident fund accounts for their employees at the entrusted bank within 20 days from the date of registration. In case of merger, division, cancellation, dissolution, bankruptcy, etc., the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center for change or cancellation of registration, and hold the audit documents of the housing provident fund management center within 20 days from the date of completing the change or cancellation of registration, and go to the entrusted bank for the transfer or sealing of housing provident fund accounts for employees of the unit.

Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and with the housing provident fund management center audit documents, to the entrusted bank for the establishment or transfer of employee housing provident fund accounts. Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.