How to repay the housing provident fund of the joint loan depends on your attitude towards the ownership of the house: if you both claim that the house is owned by yourself, the high bidder will be subject to bidding to obtain the ownership of the house and repay the provident fund loan. If only one of you claims the ownership of the house, If you both don't want a house, you can entrust an auction company to auction the house according to the auction law, and use the auction proceeds to repay the outstanding housing fund loan.
