Legal analysis: Yes. You can use the provident fund of both husband and wife of the borrower to apply for provident fund loans. The loan amount will increase much more than personal use. However, the borrower must be a husband and wife and the purchaser on the purchase contract.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, 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.