whether one person borrows money to buy a house or both parties borrow money to buy a house together, the property right of the house can be owned by more than one person, that is to say, two names or even more names can be added. However, it should be noted that if the loan has been successfully processed, it is impossible to add a name at this time. At present, the housing provident fund actually belongs to a housing security system, and the use of housing provident fund loans is a mortgage loan issued by local housing provident fund management centers to employees who have paid housing provident fund in their units and entrusted commercial banks to employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment.

The method of buying a house with provident fund loan is as follows:

1. First, take the house title certificate and land certificate and go to the appraisal institution designated by the housing provident fund management center to evaluate and price the mortgaged house;

2. The buyer and the seller sign the House Purchase and Sale Contract to pay the down payment, and go through the formalities of renaming and transfer;

3. The applicant goes to the window of the housing fund management center to receive the Approval Form for Provident Fund Loan Application and the Loan Contract, and prepare relevant materials;

4. The housing fund management center will review the materials submitted by the borrower;

5. The audited materials are entrusted to the bank for contract entry, notarization, insurance and mortgage registration;

6. The Center issues a Decision on Granting Lending to the entrusted bank, which lends money and the borrower repays it on a monthly basis.

to sum up, if the first suite is bought with commercial loans and is under mortgage, the second suite can use provident fund loans, and the down payment and other provisions are calculated according to the second suite, that is, the down payment is 5% lower and the interest rate is 1% higher. If the loan of the first suite has been paid off, whether it is a commercial loan or a provident fund loan, you can use the provident fund loan to buy the second suite, and the relevant regulations are naturally calculated according to the second suite.

Legal basis:

Article 13 of the Regulations of the People's Republic of China on the Administration of Housing Provident Funds

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

the unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for its employees. Each employee can only have one housing provident fund account.

the housing provident fund management center shall establish a detailed account of employees' housing provident fund to record the deposit and withdrawal of employees' individual housing provident fund.