The primary lender refers to the borrower, and the participating lender refers to the same borrower.

***The co-borrower (participant) must be the spouse or member of the same household as the borrower (primary lender), and must have the same loan conditions as the borrower. The so-called "members of the same household" refer to "direct blood relatives who have the same household registration as the loan applicant and have been in the same household for more than one year when applying for a housing provident fund loan. Loan participants can use their own provident fund account balance to offset the loan together, but the deduction will be given priority. Primary Lender Account Balance