Legal analysis: According to the recent regulations on the use of provident fund, children can withdraw their parents' housing provident fund when buying a house, unmarried children living with their parents can buy ordinary self-occupied houses, and parents can withdraw the balance in their own provident fund accounts. If children borrow money to buy a house and parents participate in the repayment, they can withdraw according to the repayment method of provident fund, not only the down payment, but also the principal and interest of provident fund repayment every year. If a child buys a house and applies for a parent's provident fund loan, the immediate family members can repay it with the balance of their provident fund account. The main lender must have a real estate license, and the same borrower must be the spouse of the main lender or the immediate family member of the same household for more than one year.

1. Sign the payment agreement. The Buyer and the Seller sign the loan fund transfer payment agreement.

2. Entrusted assessment. The loan applicant entrusts a housing appraisal institution recognized by the housing provident fund management center to evaluate the transferred house and issue an appraisal book.

3. Housing transfer. The buyers and sellers handle the house transfer formalities in the real estate registration department, sign the house sales contract, complete the deed tax payment formalities in the tax collection and management center, and obtain the property right certificate after the transfer.

4. Loan application. The loan applicant holds the materials required for the above-mentioned provident fund loan to the housing provident fund management center to fill out the "Application Form for Individual Housing Provident Fund Loan" and make a record of the loan interview.

5. Loan approval. The housing provident fund management center is responsible for the preliminary examination of the loan application of the loan applicant; Audit; Recognition.

6. Sign a loan contract. Sign loan contracts and handle insurance; Notarization procedure.

7, for housing mortgage registration. The loan applicant brings the loan contract to the entrusted bank and gets approval; After stamping, it will be sent to go through the mortgage registration formalities, and the acceptance notice will be handed over to the housing provident fund management center.

8. Issue loans. The housing provident fund management center shall notify the entrusted bank to issue loans after receiving the "Property Ownership Certificate" from the mortgagor.

9. repayment. The borrower shall repay the loan principal and interest on a monthly basis in accordance with the loan contract.

Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund. When employees or their parents or children buy, build, renovate or overhaul their own houses in this city, employees can apply for housing provident fund loans to the provident fund management center.

To apply for housing provident fund loans, the following conditions shall be met:

1, with legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4, with a legal and effective purchase contract, agreement or the real estate administrative department issued the "all of the housing";

5. When purchasing a house, a down payment of not less than 30% of the total price of the house has been paid;

6. Other conditions stipulated by relevant laws, regulations and policies.