Relevant documents stipulate that parents are alive and children cannot use their parents' housing provident fund to buy a house. Housing provident fund can only be used for self-occupied housing. Relevant regulations "Regulations on the Management of Housing Provident Fund" Article 24 An employee may withdraw the storage balance in the employee's housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling his own house; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

2. I have no real estate, but my parents can use provident fund loans.

Since you have used your parents' provident fund, you must write your parents' names. This housing provident fund is their account. If you use it to buy a house, you can get a commercial loan with high interest rate. You can also write your parents' names first and get the house and then transfer it to you at a low price, but you have to pay the handling fee and tax.

Third, parents don't have a house. Can children use their own provident fund loans to buy a house for their parents?

You can't.

Parents are generally not allowed to use their children's provident fund loans when buying a house. Consult the local housing provident fund management center for details.

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

4. Can children buy their parents' house with their own provident fund?

Children's provident fund can only be used by themselves, parents can borrow money to buy a house, and real estate license can also write their own names. However, if you want to hang it in your parents' name, it is not enough. At most, change it after paying it off.