Legal analysis: Yes. If both of them have paid the housing provident fund, they can use the provident fund loan together. Assuming it's been handed in for a year. At this time, the loan amount is the sum of their respective loan amounts (not exceeding the prescribed upper limit), and the service life is calculated by the longer party (not exceeding the prescribed upper limit). Mother and son, husband and wife, friends, lovers, even a company and individuals buy together. These, have become the * * * people in the family. Housing provident fund, as its name implies, is definitely used for housing savings. The use of housing provident fund is not limited to buying a house. In the case of renting a house, decorating a house, building a house, etc. As long as you meet the conditions, you can apply for the withdrawal of housing provident fund. If you buy a house before marriage and register your name on the real estate license, then, no matter what the situation, the house belongs to two people * * * who own the real estate and property rights, one person is half, and the other person is half, which is regarded as the same property. To apply for provident fund loans, the following conditions must be met: 1. The borrower must be an on-the-job employee with full capacity for civil conduct and pay the housing provident fund in full; 2. Housing provident fund has been continuously deposited for more than 12 months before applying for provident fund loans; 3, in the provident fund deposit area to buy and build self-occupied housing, and has paid more than the purchase price according to the prescribed down payment ratio; 4. Good personal credit, stable economic income and the ability to repay the loan principal and interest; 5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.

Legal basis: Article 17 of the Regulations on the Management of Housing Provident Fund stipulates that new employees shall pay housing provident fund from the second month of their employment, and the monthly payment shall be the employee's own salary multiplied by the employee's housing provident fund payment ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.