2. Provident fund loans. If both husband and wife participate in the loan at the same time, one party must be the main lender and the other party must be the sub-lender. The main lender provides a bank card with automatic deduction, so the system also deducts money from this card.

3. At present, neither the banking system nor the provident fund system supports multi-card deduction, in order to avoid many problems such as wrong deduction and re-deduction, and at the same time reduce the risks brought by deduction.

4. Both husband and wife only need to ensure that there is enough balance on the bank card or provident fund card that provides deduction. The other party's provident fund can apply for withdrawal every year, or after applying for withdrawal, it can be transferred to a bank card that provides deduction.

1. Apply for a loan: the lender first applies to the undertaking bank;

2. Preliminary review: the bank will review the materials, and if they pass, the bank will issue a notice of review of the guarantee application;

3. Guarantee review: the borrower provides such information, and the next step can only be carried out after it has passed the review;

4. Transfer of materials and signing of contracts: the guarantee center sends the audit materials back to the provident fund management center, and the management center signs a contract with the borrower;

5. The borrower waits for the loan to be issued.

Characteristics of housing accumulation fund

1, universality: the provident fund is mainly aimed at urban workers. Therefore, as long as they are urban workers, units and individuals must pay the housing provident fund together;

2. Mandatory: If the employer fails to handle the housing accumulation fund for employees, it may be punished according to certain regulations;

3. Welfare: the housing provident fund paid by the unit for employees is remitted to individual accounts, which is convenient for employees to withdraw and use when buying a house with provident fund loans in the future, and the interest rate is lower than that of commercial loans;

4. Retractability: The housing accumulation fund is ultimately owned by employees, and employees can receive the housing accumulation fund when certain conditions are met.