The parents’ provident fund can be used as a loan for a son to buy a house. The housing provident fund is based on the family, which includes husband and wife and children. If immediate family members apply to withdraw and use other people's housing provident funds when purchasing a house, they need to present their original ID cards, original household registration books, and proof of their first home.

The process for applying for provident fund is as follows:

1. The unit manager brings the above information to the provident fund agency to apply;

2. The staff accepts the information and Review the information;

3. After the review is completed, you can apply for provident fund.

The documents required to apply for a provident fund loan are as follows:

1. House sales contract;

2. Transferred house deed;

3. Transfer of house appraisal letter;

4. Down payment voucher;

5. Identity cards of the borrower and his spouse;

6. Borrower and The spouse's household registration book or household registration certificate;

7. Marriage certificate. If unmarried, the marriage registration office in the place where the household registration is located shall issue an unmarried certificate;

8. Loan applicants who work in the five counties must Provide the original certificate of normal payment and deposit of housing provident fund for one consecutive year issued by the local housing provident fund management center;

9. If applying for a housing provident fund portfolio loan, one copy of each of the above materials 1 to 7 must be added and Provide original unit income certificate.

Legal basis: Article 24 of the "Housing Provident Fund Management Regulations"

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) Purchasing, constructing, renovating or overhauling self-occupied housing;

(2) Retired or retired;

(3) Completely losing the ability to work, and Terminating the labor relationship with the employer;

(4) Leaving the country to settle down;

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

(6) The rent exceeding the household limit stipulated proportion of salary 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with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.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 and 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 can be withdrawn. Included in the value-added income of the housing provident fund.