One-person provident fund loan before marriage can be changed to two-person provident fund loan after marriage. The down payment part belongs to the man, and the repayment part belongs to the same property. The account name does not affect the establishment of the property unless the man can prove that the money repaid belongs to the man's personal property.

I. Definition of housing provident fund loan

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to employees who have paid housing provident fund to commercial banks and retired employees who have paid housing provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

The housing provident fund paid by employees and the housing provident fund paid by the unit where employees work for employees are personal savings paid by employees for special housing consumption expenditures in accordance with regulations, which belong to employees.

When an employee leaves his job, the balance of principal and interest will be compensated in one lump sum and returned to the employee himself.

Second, the characteristics of provident fund

1, universality: the provident fund is mainly aimed at urban workers. Therefore, if it is an urban employee, it must be paid by both the company and the individual.

Housing accumulation fund;

2. Mandatory: If the employer fails to handle the housing accumulation fund for employees, it may be punished according to some regulations.

3. Welfare: All the housing provident fund paid by the company to employees will be transferred to personal accounts for future employees to raise when they buy a house with the provident fund.

The utilization rate is also lower than that of commercial loans.

4. returnability: the housing accumulation fund will eventually be owned by the employees themselves, and employees can receive the housing accumulation fund before certain conditions are met.

According to the new policy (20 14 1 1), the housing provident fund loan target is paid-in employees who buy the first set of housing or the second set of improved ordinary housing, and individual housing loans of housing provident fund may not be issued to the families of paid-in employees who buy more than the third set of housing. 20 10 Relevant departments issued a document requesting to support the first set, limit the second set, and prohibit three sets of housing provident fund loan policies.