Provident fund loans can only use the houses purchased by loans as loan collateral, and other properties cannot be used as loan collateral. If you use your parents' house as a mortgage, it is a commercial loan, and the professional point is called a high loan, not a housing loan, and the interest rate is relatively high.

If you want to buy a house and the down payment is not enough, then parents agree to apply for a mortgage loan with his house. First of all, the lender is a parent, not himself. The general bank will ask about the intention to apply for a loan, such as buying a house. Parents' houses need to be evaluated, and loan requirements need to be the same as loan preparation. Pay a down payment after the loan is completed, and then apply for a provident fund loan. Before that, the most important thing is to know whether you can apply for provident fund loans and how much money you can bring.