Provident fund loans are family-based loans. Generally speaking, only your spouse, parents and children can participate in the loan together. Because I don't understand provident fund loans to buy a house, I think unmarried couples can apply for provident fund loans to buy a house together. This is a misunderstanding before many young people use provident fund loans.

The purpose of drawing provident fund is as follows:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Repay the principal and interest of the owner-occupied housing loan;

3. The rent expenditure exceeds 5% of the family wage income;

4, life is difficult, is receiving the city minimum living allowance;

5. Encountering unexpected events, causing serious difficulties in family life;

6. Other circumstances stipulated by the Housing Provident Fund Management Committee.

Borrowers (including spouses) applying for housing provident fund loans must meet the following requirements:

1. Pay the housing provident fund in full for 6 consecutive months before the application.

2 have a stable economic income and the ability to repay the principal and interest of the loan.

3. Personal credit is good, which meets the personal credit requirements of housing provident fund loans.

4. To purchase a house, a valid house purchase contract must be signed, and the proportion of paid self-owned funds shall be the total down payment.

5. To purchase commercial housing, a cooperation agreement has been signed in Huzhou Housing Provident Fund Center for real estate sales.

6. If you buy a second-hand house, you need to complete the transfer formalities and apply within 3 months after paying the deed tax normally.

7. In case of relocation and resettlement by means of house property right exchange and compensation, the relocation unit has registered the house, and the applicant has paid the compensation price of not less than the specified proportion.

8. If you buy a house through auction, you must go through the formalities of property right transfer and apply within 3 months after paying the deed tax normally.

9, new construction, renovation or overhaul of houses, need to provide approval documents, immovable property certificate.

10. Agree to provide loan guarantee approved by the loan principal.

1 1. To apply for a provident fund loan again, it is necessary to pay off the previous housing provident fund loan for more than 6 months.

12. If employees who deposit in different places apply for housing provident fund loans, they need to prepare the inquiry records of real estate registration information issued by the real estate registration departments of the deposit place and the place to be loaned in advance. Certificate of deposit and use of employee housing provident fund loans in different places issued by the Municipal Provident Fund Center, and details of deposit of employee individual housing provident fund in recent 12 months. If you borrow again, you need to provide another proof of paying off the previous housing provident fund loan (the above proof needs to be stamped with the official seal).

13. To apply for a loan with * * * real estate, the owner of the house must be the spouse or lineal blood relative of the borrower.

14. If the applicant owns two or more houses under his family name or has not settled the housing provident fund loan, he may not apply for the housing provident fund loan.

To sum up, applying for provident fund loans needs to meet the loan conditions. If the applicant is married, both husband and wife should pay the provident fund. If both husband and wife do not pay the provident fund, they can also apply for a loan with the housing provident fund. Of course, different regions have different policies. For example, in Changsha, when both husband and wife apply for provident fund loans, they generally need to bring marriage certificate, ID card, household registration book, marriage certificate and guarantor ID card, purchase contract and other materials to the local provident fund management center to apply for housing provident fund loans.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

Workers in any of the following circumstances, you can extract the balance of storage 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.