1, the children pay the house price in one lump sum, and if the amount is not enough, they can withdraw their parents' housing accumulation fund;

2. If the children's mortgage loan is insufficient, they can withdraw their parents' housing provident fund to pay the down payment;

3. During the children's mortgage, if my quota is insufficient, I can withdraw my parents' housing provident fund to repay the loan;

4. During the children's mortgage, parents can also directly repay the loan and withdraw the monthly transfer.

5. Employees cannot withdraw the provident fund under their parents' names when buying a house. Workers and their spouses who purchase new commercial housing for self-occupation may apply for withdrawal of their own and their spouses' housing provident fund; Employees and others (non-spouses) * * * with the purchase of new commercial housing, employees and their spouses housing provident fund can be extracted according to the proportion of property rights.

What materials do I need to withdraw my parents' provident fund?

The following materials should be paid attention to when using parents' provident fund and extracting housing provident fund:

1, certificate of immediate family members (signed and stamped by the unit leader), ID cards of the extractor and purchaser.

2. Provide the household registration book of the same household registration; Certificate of Extraction of Housing Provident Fund issued by the extractor.

3. Purchase contract and payment receipt after filing.

To sum up, according to the regulations on the use of provident fund, children can withdraw their parents' housing provident fund when buying a house, unmarried children living with their parents can buy ordinary self-occupied houses, and parents can withdraw the balance in their own provident fund accounts.

Legal basis:

Regulations on the administration of housing provident fund

Article 24

In any of the following circumstances, employees 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.