Sister can use her brother's housing provident fund loan to buy a house.

Yes, but in that case, your brother's name must be written on the real estate license. You and your brother bought the real estate license together, and his provident fund can't be used in the future unless the loan of this house is paid off. Of course, the provident fund is cost-effective. The interest rate of the provident fund is only 4.0%, and the business interest rate is 6.0% (this is also the preferential interest rate for the first suite). If the loan is 206,5438+00 years, the difference is more than 20,000! But it's better to sign an agreement with my brother, because my brother's name is on the property ownership certificate, so it's better to make it clear to my brother and make an agreement.

The following information is expected to help you:

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying the revision of the provident fund regulations and liberalizing the provision that individuals withdraw the provident fund to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency. 20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers. The Regulation on the Management of Housing Provident Fund in 20 15 stipulates that the contribution ratio of housing provident fund for employees and units shall not be lower than 5% and not higher than 12%. From February 2, 2006 to February 0, 2006, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year fixed deposit benchmark interest rate, and the increased interest rate was 1.50%. On September 7th, 20 18, Beijing adjusted the housing provident fund personal housing loan policy, with an annual loan of 654.38+million yuan, with a maximum loan of 12 million yuan. 20 19123 October 19 housing provident fund withdrawal business did not submit a paper withdrawal application.

The main nature of housing provident fund

(1) security, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve housing problems faster and better;

(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form mechanisms and channels for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;

(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.