Parents' loans cannot be repaid with their children's provident fund, but they can be solved through procedures. Let me give you a solution. First, mortgage the house and transfer the ownership. You must first redeem the building from the bank, and then go to the real estate guarantee company (according to state regulations, only one real estate guarantee company is allowed in a city) to guarantee the redemption. Take out the real estate license from the bank and then transfer the property to relatives. In other words, the first step is to find a real estate guarantee company to guarantee the redemption of the building, repay the loan, and then after the transfer, the children can borrow again! Real estate guarantee companies have played a bridge role in this process.