If there is a local policy, there is no policy. If you buy a house with a provident fund loan, your name must be written on the property certificate.

Second, can provident fund loans be used to buy a house for parents? Conditions for applying for provident fund loans

1. Provident fund loans can buy a house for parents.

2. The premise is that it is impossible to withdraw the parents' provident fund, and the name of the provident fund holder is on the house purchase contract or real estate license. The premise is that it is impossible to withdraw the parents' provident fund, and the name of the provident fund person is on the house purchase contract or real estate license. You can only rely on your parents' blood relationship, but you need to put your name in the property ownership certificate and the purchase contract.

The following conditions are required

1, a natural person with full capacity for civil conduct, who has not exceeded the statutory retirement age stipulated by China, pays the housing provident fund in the housing provident fund management center.

2. Employees with urban permanent residence or valid residence identification.

3. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans.

4. There is a contract or agreement for the purchased house, and the down payment amount is not less than 20% of the value of the purchased house.

5. Have relatively stable professional and economic income, have corresponding loan repayment ability, and have good personal credit.

6. It can provide the guarantee method recognized by the housing provident fund management center.

Third, how to help parents buy a house with their own provident fund loans?

According to Article 15 of Several Provisions on Provident Fund Management: 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 from the provident fund management center.

Apply for housing provident fund loans shall meet the following conditions:

1. Have legal and valid identity documents;

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

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

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment shall not be less than 30% of the total price of the purchased housing;

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

4. What is the procedure for parents' provident fund to repay their children's loans?

The mutual withdrawal of children's and parents' housing provident fund needs to be classified according to the situation of commercial housing or second-hand housing, full payment or loan, and the required application materials are also different.

Usually, if you buy a commercial house, you only need to bring the original and photocopy of the commercial house sales contract, the original and photocopy of the full sales invoice, the withdrawal slip stamped with the official seal of your parents' unit, the original and photocopy of the ID card of the extractor (that is, your parents) and the household registration book. Hukou book is used to prove the relationship between parents and children. But if there is a loan, it depends on whether there is a loan.

If there is no loan yet, the materials needed to withdraw the parents' provident fund are the original and photocopy of the commercial housing sales contract, the original and photocopy of the down payment invoice, the advance notice registration certificate provided by the housing management department or the contract filing certificate or statement provided by the real estate agent, and other materials are the same. If the loan has already been made, then the materials of one of the three choices are not needed, as long as the original and copy of the bank loan contract and mortgage certificate are added.

The amount of withdrawal of provident fund is compared with the last invoice according to the time of purchasing the house, and the provident fund before this time can be withdrawn.

But if it is a second-hand house, the situation is different. When buying a second-hand house to withdraw the provident fund, you need to bring the original and photocopy of the purchase agreement, the original and photocopy of the deed tax certificate, the withdrawal slip, the ID card, the household registration book and other materials to the provident fund management core. In other words, the purchase of second-hand housing to apply for provident fund withdrawal needs to be completed before it can be processed.

If you and your parents have provident fund, you can also withdraw your parents' provident fund and apply for your own provident fund loan in your own name. In addition, if the buyer is single, he can also add his parents' names to make a loan, but only one party can be the main lender and others can be co-borrower. The loan amount is based on dual employees.

The loan of provident fund loan policy has brought great convenience to property buyers. Children use their parents' provident fund loans to repay loans, and parents use their children's provident fund loans to repay loans, which not only meets the needs of residents, but also activates the real estate market. However, buyers need to be clear that the progress of the provident fund policy lending varies from place to place, and the specific situation needs to be consulted in detail with the local housing provident fund management core.