When the husband and wife jointly repay the provident fund loan, one of the accounts is the main deduction account. The system will give priority to the deduction from the main deduction account. When the deduction amount is not enough to repay the principal and interest, the deduction will be initiated from another person's account until it is fully deducted. When the amount in the husband and wife's provident fund account is insufficient to deduct money, the system will deduct money from the repayment savings account in sequence.

Provident fund withdrawal process:

1. The unit verifies the relevant extraction certification materials and copies provided by individual employees, and the qualified managers of the unit fill in the application form for housing provident fund extraction and the inventory of housing provident fund extraction uniformly printed by the housing provident fund management center, and apply to the account opening management department with the original and copies of relevant certification materials;

2. Management personnel shall review the extracted materials, amount, times and personal account information. To meet the extraction conditions, go through the extraction procedures; For those who are not allowed to withdraw after examination, inform the reasons for not allowing withdrawal; For special circumstances can not be answered in time, should consult the director of the management department and the relevant departments of the housing provident fund management center, and give a clear answer to the unit within three days;

3. For those who meet some extraction conditions, the personnel of the management department should input relevant information into the system according to the extraction materials, establish the first employee housing provident fund extraction record sheet, and affix the words "housing provident fund extraction has been processed" on the purchase invoice (or purchase receipt, down payment invoice, rent invoice, tax payment voucher and purchase material invoice);

4, management personnel input "housing provident fund withdrawal list" and confirm the personal savings account;

5. After the extraction is confirmed, the management personnel print the Application for Extraction of Housing Provident Fund and the Inventory of Extraction of Housing Provident Fund in duplicate. If you cancel the withdrawal, you also need to print the personal housing provident fund cancellation interest statement.

To sum up, although it is said that both husband and wife repay the money together, in many cases, as long as the main account pays off the arrears, the system will not initiate the deduction from another account.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund

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.