Both father and son have provident fund, so they can borrow money to buy a house together. Father and son's accounts are in the same account book, belonging to the housing provident fund and the borrower. Housing provident fund * * * The same borrower refers to two or more borrowers who apply for housing provident fund loans. According to the relevant regulations, the calculation of the loan amount of housing provident fund is based on a certain multiple of the borrower's housing provident fund storage balance. Therefore, when the balance of one person's housing provident fund is not enough to reach the required loan amount, it is necessary to add others as co-borrower to increase the loan amount.

Housing provident fund can be completely taken out, but there are certain conditions, which are divided into the following two situations:

1. If you want to withdraw all the provident fund, you need to reach the statutory retirement age, and you can withdraw the principal and interest;

2. If you don't reach the legal retirement age and want to withdraw all the provident fund, you need to meet some necessary conditions, such as buying a house.

Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.

Workers in any of the following circumstances, you can extract the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.