Enthusiastic netizens replied:
Hello, you can use your father's provident fund to apply for provident fund loans, as long as you are a direct relative. But some cities may not, because there are some differences in the provisions of provident fund loans in each city.
Loan terms:
1. Have local permanent residence or valid residence identification;
2. Continuous payment of provident fund for one year;
3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;
4. Have a stable income, the ability to repay loans, and good credit;
5. There is a guarantee or mortgage recognized by the Center;
6. Other conditions stipulated by the provident fund center.
Enthusiastic netizen 2 answers:
No, only spouses can apply for provident fund loans together.
Materials required for provident fund loan: ID card, marriage certificate, residence permit, collateral evaluation report, down payment certificate, guarantee certificate, land use certificate, real estate license, etc.