According to the relevant regulations of Beijing Housing Provident Fund Management Center, the * * * of personal loans for employees is only the spouse of the borrower. Considering the low income of retired workers and the small amount of loans they can get, in order to support the loan demand of retired workers, Beijing Housing Provident Fund Management Center stipulates that if retired workers apply for loans, their children can be the same applicants. Therefore, children, as * * * applicants for retired workers' loans, actually support retired workers to apply for loans, but they cannot withdraw their children's housing provident fund. Only when parents and children buy a house together can they withdraw their children's housing provident fund.