Legal analysis: Owners have ownership of maintenance funds in proportion to their contributions, but the right to use them belongs to all owners. A single owner is not allowed to withdraw all of his maintenance funds from the bank.

Maintenance funds are combined with the specific house, exist and disappear with the existence of the house, and do not change due to changes in the specific owner. When a new owner becomes a new owner due to a change in the property rights of the house, the maintenance funds should also be renamed by the old owner to the new owner's name.

Legal basis: Article 36 of the "Urban Real Estate Management Law of the People's Republic of China" For the transfer and mortgage of real estate, the parties concerned shall handle ownership registration in accordance with the provisions of Chapter 5 of this Law.

Article 62 When mortgaging real estate, mortgage registration must be carried out with the department specified by the local people's government at or above the county level.

If the land use rights and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be carried out in accordance with the provisions of this chapter.