One spouse has not paid off the house payment with the provident fund loan. Can the other spouse buy a second suite with the provident fund loan? Both husband and wife have provident fund.

One spouse has obtained the first set of housing provident fund loans, and both spouses may not apply for housing provident fund loans before paying off the principal and interest of the loans. For husband and wife, according to the provisions of China's marriage law, the provident fund loan applied by husband and wife in the name of one party belongs to the joint debt of husband and wife and should be repaid with the joint property of husband and wife.

Therefore, if one spouse fails to pay off the provident fund loan and the other spouse applies for the provident fund loan, it is equivalent to lending to the same object twice, which is prohibited.

Moreover, the provident fund personal housing loan policy stipulates that if both husband and wife borrow money to buy a house and one of them applies for a housing provident fund loan, the spouse cannot apply for a provident fund personal loan before paying off the principal and interest of the loan. Therefore, couples cannot apply for provident fund loans to buy a house alone.

For more information, you can go to Miaowei Finance and Business Education. Miao Wei Finance and Business Education 2002101The State Administration of Market Supervision issued the first initiative of honesty and self-discipline in the finance and business education industry. In 20021February, it reached a strategic cooperation with People's Daily Digital Communication, and in May 20021May, it jointly issued a national white paper on the development of finance and business education.