1. If a child buys a house and applies for a parent's provident fund loan, the immediate family members can use the balance of their provident fund account to repay the loan; Not only can you withdraw the down payment, but you can also withdraw the principal and interest of the provident fund repayment every year; Housing provident fund loan materials are as follows:
(1) Determine whether the user meets the conditions for provident fund loans;
(2) The user initiates a loan application to the provident fund center and submits relevant materials;
(3) after the approval of the provident fund center, sign a loan contract;
(4) Go through the formalities of real estate mortgage registration;
2. The main lender must have a real estate license, and the same borrower must be the spouse of the main lender or the immediate family member of the same household for more than one year;
3. Families who have paid the housing provident fund for 6 months before applying for the provident fund loan have no outstanding housing provident fund debts;
4. The housing accumulation fund takes the family as the unit, including both husband and wife and children; When applying for the use of other people's housing provident fund, immediate family members need to show their original ID card, original household registration book and proof of the first suite.
Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.
In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.