Buying a house can apply for a loan with the provident fund of husband and wife, parents and children, as long as the provident fund paid by both parties meets the requirements.

Generally speaking, the provident fund loan requires that the applicant must pay the provident fund in full and on time for six months or more, the provident fund account must be in a normal state of payment, and the provident fund loan name has not been handled or paid off (if the provident fund loan has been handled under the name, the loan must be paid off before applying; If you have already made two provident fund loans, you can't apply for provident fund loans regardless of whether the loans are paid off.

It should be noted that if two people apply at the same time, the loan amount will be higher than that applied separately. Of course, the regulations vary from place to place. For example, in Shenzhen, the maximum amount of provident fund loans applied for by individuals is 500,000 yuan, and the maximum amount of provident fund loans calculated by the applicant is 900,000 yuan (the amount of provident fund loans is 14 times the sum of the sum of the applicant and the calculated loanable amount and the sum of the applicant's provident fund account balance).