However, the ownership of your two provident funds is also needed. If they are all provincial or municipal provident funds, they can be loaned together, and the maximum loan amount will vary according to the location.

If they do not belong to the same provident fund management center, only one party can borrow money, and the other party can withdraw the provident fund from the provident fund center once a year for repayment.

The balance of husband and wife provident fund account cannot be deducted at the same time. Monthly repayment shall be deducted from the borrower's provident fund account in priority. If the balance of the borrower's provident fund account is less than the monthly repayment amount, the monthly repayment amount will be directly deducted from the spouse's provident fund account;

If the balance of the spouse's provident fund account is less than the repayment amount of the current month, the repayment amount of the current month will be deducted directly from the repayment bank account. When the balance of either spouse's account is greater than the current month's repayment amount, the current month's repayment amount will be deducted from his account.

Extended data condition:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the continuous deposit of housing provident fund before applying for a loan is not less than 12 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Can Weihai Provident Fund balance the accounts of both husband and wife in housing (loan repayment) business?