Legal analysis: Yes. Both husband and wife applying for housing provident fund loans must meet the following conditions: 1. Both husband and wife must have paid the provident fund and have a certain amount of housing provident fund in the housing provident fund account; 2. Both husband and wife must continuously pay the housing accumulation fund 1 year or more.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from 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.