Unmarried children living with their parents can purchase ordinary self-occupied housing, and their parents can withdraw the balance of their provident fund accounts. If the children buy a house with a loan and their parents participate in the repayment, they can withdraw it by way of provident fund repayment. Not only can you withdraw the down payment, but you can also withdraw the principal and interest of the provident fund repayment every year.
The latest loan conditions of the provident fund: purchase the owner-occupied housing with ownership in this city; Before applying for provident fund loans, the housing provident fund has been paid normally for 6 months continuously; The borrower's family has no outstanding housing provident fund debt. If you did not apply for provident fund loans when buying a house, you can apply for the withdrawal of housing provident fund with real estate license, purchase contract, purchase invoice, ID card, relationship certificate, withdrawal certificate issued by the unit to which the provident fund account belongs and withdrawal application form within 6 months after the issuance of real estate license.
The loan amount should meet four "no more than"
Not higher than the loan limit determined according to the multiple of the balance stored in the respective housing provident fund accounts of the borrower, spouse and borrower, that is, 40 times the balance of housing provident fund and 20 times the balance of supplementary provident fund; Not higher than the loan limit determined according to the proportion of the total house price; Not higher than the loan limit determined according to the repayment ability; Not higher than the maximum loan amount.
Workers are included in the minimum living guarantee or poverty relief scope for urban residents, and the employees themselves and their spouses can apply for withdrawal of housing provident fund, and the withdrawal amount shall not exceed the amount of housing provident fund before being included in the minimum living guarantee or poverty relief scope.