Specifically, when the borrower changes from unmarried to married or remarried, the amount of the spouse's provident fund deposit can be used to repay the provident fund loan. Before handling the entrusted deduction of loan repayment, the borrower and spouse should bring their ID cards and copies to the provident fund center to apply for changing the loan information.
If the borrower cannot handle it in person, it shall issue a written authorization for the spouse to change the information. After the loan information is changed, he should go through the relevant procedures according to the entrusted deduction repayment process.
Extended data:
After marriage, both parties jointly use the provident fund to repay the loan:
1. In the process of loan repayment, in case of unexpected changes such as divorce, death, unemployment or marriage, the borrower needs to change the borrower, loan term and other corresponding matters in the loan contract on the premise of normal loan repayment (that is, the loan cannot be processed in the overdue state);
On working days other than the repayment date (loans entrusted by CCB with equal principal and interest or equal principal repayment can only be processed on working days of 1-24 every month), you can apply for corresponding changes at the loan business counter.
2. Both husband and wife have provident fund and can apply for joint repayment, which belongs to the entrusted deduction of provident fund repayment. Provident fund loan borrowers and their spouses increase the number of provident fund repayments by signing the Letter of Authorization for Housing Provident Fund Entrusted Deduction to Repay Provident Fund Loans.
3. Authorize the local housing provident fund management center to deduct anyone's housing provident fund deposit once a month or every year to directly repay the provident fund loan.
People's network-one party buys a house with a provident fund loan before marriage.
Husband and wife can repay the loan together after marriage.