You can't use other people's provident fund loans. You can only use your own provident fund. If you use someone else's, you can only buy a house in this person's name, and the property owner can only be this person. However, there are exceptions. If both husband and wife have provident fund, they can use their own provident fund loans to buy a house, and the amount is more than that of single people. So what conditions do you need to apply for a provident fund loan?

(1) has permanent residence or proof of residence.

Only employees who participate in the housing provident fund are eligible to apply for the provident fund, and employees who do not participate in the provident fund system cannot apply for the housing provident fund.

(3) to participate in the provident fund system, you must also meet the conditions for applying for personal provident fund loans. Before applying for a loan, you must continuously deposit the housing provident fund for not less than 6 months, and some cities stipulate that it should be not less than 12 months.

(4) Purchase, build and live in ordinary houses in this area, and have gone through the formalities and paid the required self-raised funds. There is no outstanding provident fund. It should be noted that one of the husband and wife has applied for the provident fund, and the other party can no longer obtain the housing provident fund before paying off the principal and interest.

(5) Under legal age, no more than 65 years old according to regulations.

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