Both husband and wife's housing provident fund can be used to repay the loan. When signing a loan contract, both husband and wife need to sign it together, and one party can use its provident fund account as the repayment party. There are two main repayment methods of personal housing provident fund loans: monthly equal principal and interest repayment method and monthly average principal repayment method. In addition, even if the husband uses the provident fund loan to buy real estate, he can also write his wife's name on the real estate license, so that his wife's provident fund can also be used to repay the loan.

Provisions on the use of provident fund:

1. Nature of provident fund account: the provident fund account refers to the housing provident fund savings account under the individual name of the employee;

2. Conditions for withdrawal of provident fund: Employees must meet the conditions stipulated by the Housing Provident Fund Management Center when withdrawing provident fund;

3. Restrictions on the use of provident fund: the provident fund is mainly used for housing-related expenses such as buying houses, renting houses and repaying loans;

4. Use among family members: In some areas, employees are allowed to use the provident fund for housing consumption of spouses, parents or children;

5. Cross-account transfer regulations: Cross-account transfer of provident fund shall comply with the specific regulations of the local housing provident fund management center.

To sum up, both husband and wife's housing provident fund can be used to repay the loan, whether as a * * * repayment person or writing the wife's name on the real estate license, this goal can be achieved.

Legal basis:

Regulations on the administration of housing provident fund

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to 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.