If both husband and wife's provident fund accounts handle provident fund withholding business, and one party's provident fund account is the main withholding account, when the main withholding account is not enough to repay the principal and interest of the loan that should be repaid in the current month, the balance of the other party's provident fund account will be deducted; If the accumulated balance of the husband and wife's provident fund account is not enough to repay the principal and interest of the loan that should be repaid in the current month, no "withholding" will be made. The trustor should deposit funds that can be transferred in full on a monthly basis into the repayment savings account (provided when applying for the loan) before the monthly repayment date.
 Legal basis
 Article 1064 [Joint debt of husband and wife] of the Civil Code of the People's Republic of China [Joint debt of husband and wife] The debts incurred by the joint declaration of intention, such as the joint signature of both the husband and wife or the subsequent ratification of one of the husband and wife, and the debts incurred by one of the husband and wife in their personal name for the daily life needs of the family during the marriage relationship, belong to joint debt of husband and wife.
 The debts incurred by one of the husband and wife in their personal name during the existence of the marriage relationship in excess of the daily needs of the family are not joint debts of the husband and wife; However, unless the creditor can prove that the debt is used for the husband and wife's common life, production and operation, or based on the joint intention of the husband and wife.