Legal analysis: When purchasing a house with a provident fund loan, the name of the loan subject is written on the real estate certificate. You can add *** and the repayer to the provident fund loan, and the name of *** can also be added to the real estate certificate. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers using the housing provident funds paid by employees and their units and entrusting commercial banks to provide housing provident funds to current employees who have paid housing provident funds and retired employees who have paid housing provident funds during their employment. .

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with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.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 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fund account; if there is no heir or legatee, the balance in the employee’s housing provident fund account can be withdrawn.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.