The housing accumulation fund takes the family as the unit, and the family refers to both husband and wife and minor children. If children buy a house before marriage, they can apply for withdrawing their parents' housing provident fund. Apply for withdrawal of housing provident fund regardless of the first suite and the second suite. As long as employees can provide real and effective purchase procedures, they can apply for withdrawal of housing provident fund. If employees apply for housing provident fund loans when buying a house, it depends on whether there is real estate under the name of the purchaser, whether the bank has mortgage records, and whether the provident fund center has a record of purchasing a house. Buy a house in the name of a child. If the child has gone to work and paid the housing provident fund for one year in a row, he can apply for a housing provident fund loan and count it as the first suite. The first home provident fund loan enjoys the preferential interest rate of housing provident fund loan stipulated by the state, and the down payment ratio is not less than 30%. The second suite can still apply for a housing provident fund loan, and the loan interest rate will increase by 10% on the basis of the first suite interest rate according to national regulations, and the down payment ratio will not be less than 50%. When children withdraw their parents' housing provident fund, they need to issue the unmarried certificate and the first suite certificate, and provide the original ID card and the original household registration book. In addition, when parents use their own housing provident fund to buy commercial housing for unmarried children, they need to provide the following materials: 1. Extract the original ID cards of myself and my spouse; Second, extract the original marriage certificate (or unmarried certificate); Three, the original commercial housing sales contract; Four, the purchase of commercial housing down payment invoice original; 5. Original certificate of online registration and filing of commercial housing sales contract; Six, the extraction unit to fill in and affix the seal.
Legal objectivity:
Regulations on the administration of housing provident fund
Article 24
In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:
Purchase, construction, renovation and overhaul of owner-occupied housing;
2 retired;
(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;
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.
Regulations on the administration of housing provident fund
Article 24
In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:
Purchase, construction, renovation and overhaul of owner-occupied housing;
2 retired;
(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;
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.