In Shanghai, I am currently servicing a 100,000 yuan housing loan with my wife as the secondary account holder. After three years of timely payments, I am considering refinancing the loan to optimize interest savings. With a stable income, we have a significant amount of individual housing provident fund in our account, which can cover the monthly mortgage repayment. Seeking advice on whether we can withdraw the remaining 60,000 yuan from my wife's account as a lump sum to prepay the loan, thereby reducing the total interest paid over the life of the loan.