Yes.

If one spouse has a provincial provident fund and the other spouse has a municipal provident fund, they can be used together when purchasing a property and calculated as one loan amount. The specific amount of the consolidated loan needs to be determined based on the deposit amount and relevant regulations. The loan amount is equal to the sum of the provident fund account balances of the borrower and the spouse multiplied by a multiple. The term of a provident fund loan ranges from 1 to 30 years and cannot exceed the borrower's legal retirement age at the time of loan application.