Using the son-in-law's provident fund to buy a house, the daughter-in-law can pay the down payment, and the husband and mother-in-law can also use it to buy a house. According to the survey, in addition to the relationship between husband and wife, whose name is the loan, the provident fund loan is based on the family (including husband and wife, excluding children and parents, so the house can be written as husband and wife. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.