Legal analysis: Children can use their parents’ provident funds to buy a house. Because the children are direct relatives to their parents, they can use their parents’ provident fund balance to repay the loan together.

Legal basis: "Housing Provident Fund Management Regulations" Article 24 If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account:

(1) Those who purchase, build, renovate or overhaul their own homes;

(2) Retirement or retirement;

(3) Completely lose the ability to work and terminate the labor relationship with the unit;

(4) Leaving the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(6) The rent exceeding the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.