You can buy a second-hand house through a provident fund loan. However, the use of provident fund loans to buy second-hand houses must meet the following conditions: 1. Second-hand houses with provident fund loans must not be small property houses, but only commercial houses, affordable housing and price-limited commercial houses; 2. Second-hand housing provident fund loans can pay a certain down payment, which is generally 30% of the total house price; 3. The total age of the borrower of the second-hand housing provident fund loan and the loan application period cannot exceed 65 years old; 4. If the housing age of the second-hand house with provident fund loan exceeds 15, the housing age plus the loan period cannot exceed 30 years. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.