Children can use their parents' provident fund loans to buy a house. The housing accumulation fund takes the family as the unit, and the family includes both husband and wife and children. When applying for the use of other people's housing provident fund, immediate family members need to show their original ID card, original household registration book and proof of the first suite.

How to transfer the provident fund after buying a house is as follows:

1. Pay off the commercial loan first, and then make a provident fund loan after obtaining the real estate license. That is to say, collect money first, and then apply to the bank to repay the commercial loan in advance (some banks will charge one month's loan interest as liquidated damages). Finally, mortgage the property certificate of the house to the relevant departments for provident fund loans.

2. Take another house as collateral (there must be a property right certificate or real estate license) and make a provident fund loan. Specifically, fill in the loan application form and provide relevant identification and other materials (ID card, household registration book, marriage certificate, etc. ) and to the relevant units for processing.

If you want to transfer the provident fund, you must prepare the following materials:

1. application form for transfer of provident fund loan in triplicate;

2. Personal credit report issued by the entrusted loan bank (including the applicant, spouse and debtor);

3. The identity of the applicant, spouse, debtor and mortgagor, and the original and photocopy of the household registration certificate;

4. The original and three copies of the applicant's marital status certificate;

5. The original and two copies of the house purchase contract, or three copies stamped by the original loan bank or developer;

6. Original and three copies of the commercial loan contract;

7. The original and three copies of the commercial loan repayment certificate;

8. The original and three copies of the house ownership certificate (unsecured or mortgaged) of the purchased house.

Housing provident fund transfer conditions:

1. The personal credit of the applicant and the applicant's spouse is good, and there is no bad record in the personal credit information system of the People's Bank of China;

2. The applicant's original commercial housing loan must be an "individual housing loan", which is judged according to the original commercial housing loan contract;

3, to the housing provident fund management center to fill in the "provident fund transfer loan consultation record", to verify whether it meets the conditions;

4. After the applicant confirms and completes the above matters, he will pay off the original commercial personal housing loan with self-raised funds and apply to the housing provident fund management center for transfer of provident fund loans within one month.

In summary, children can use their parents' provident fund loans to buy a house. The housing accumulation fund takes the family as the unit, and the family includes both husband and wife and children. When applying for the use of other people's housing provident fund, immediate family members need to show their original ID card, original household registration book and proof of the first suite.

Legal basis:

Article 27 of the Regulations on the Management of Housing Provident Fund

Applicants who apply for housing provident fund loans shall provide guarantees.

Article 28

The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund. The housing provident fund management center shall not provide guarantees to others.