In China, you can use provident fund or apply for provident fund loans to buy a house, but there is no clear regulation on whether you can use provident fund loans to buy a house for judicial auction. First, can a house auctioned by the judiciary be used as a provident fund loan? Ordinary second-hand houses can apply for provident fund loans. At present, the forward housing provident fund is not supported. The auction house is mortgaged after the loan, and it needs insurance or guarantee company to guarantee it. Second, what are the precautions for auctioning real estate? 1. Learn more about the specific information of the auction house, and find out whether there are any defects in the property right handling. It is necessary to confirm whether the auction house has complete property rights and all the conditions for property transfer. At the same time, we should know the service life, area, taxes and fees of housing property rights. Before the auction, it is necessary to know the approximate price range of the house transaction price. 2. Keep a rational mind in the auction process. Generally speaking, the auctioned real estate has certain advantages in price, and the transaction price is generally lower than that of the real estate with the same location and quality in the market 10%-20%. However, due to the warm atmosphere at the real estate auction site, there will often be mutual bidding, which makes the house price already at a high level after several rounds of placards. 3. buy an auction house and prepare the full amount. At present, most banks do not provide mortgage loan services from auction houses. Therefore, consumers should make full financial preparations when buying auction houses. 4. Understand the ownership of the ancillary facilities of the house. Buyers should know the ownership relationship of some furniture, home appliances and other facilities in the auction house, and whether the house is in arrears with water, electricity, management fees and maintenance funds. Iii. Benefits of judicial auction 1. Online auction can maximize the auction value of the subject matter, protect the interests of the parties to the greatest extent, create a good auction environment for the public and expand the opportunities to participate in bidding. For bidders, online auction breaks through the geographical restrictions. Without leaving home, you can fully understand the information and price of the lot and participate in the auction by moving the mouse, which makes the number of participants unlimited, greatly increasing the probability of participating in the auction, and at the same time promoting the maximization of the auction transaction price and protecting the interests of the parties to the greatest extent. 2. Online judicial auction is open and transparent, reducing black-box operation and putting an end to judicial corruption. Since all information is published online, all information obtained by bidders is consistent, effectively eliminating the information asymmetry between people who will be buried. The auction process can be displayed on the auction page, which is completely open, and the court can only know the specific information of the bidder after the auction, which effectively reduces the chance of black-box operation and builds a clean judicial defense line. 3. Online auction makes the auction realize "zero commission" and improves the efficiency of judicial auction. The online judicial auction completely omits the auction operation cost by using the network technology platform, especially for the finished products that are streamed, they can be directly and quickly re-uploaded to the network platform after the price is reduced according to law, which effectively saves time. According to the law, it can be known that ordinary second-hand houses can apply for provident fund loans, but at present they do not support faster provident fund. After the auction house loans are mortgaged, it needs insurance or guarantee company to guarantee.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Employees may withdraw the storage balance in the housing provident fund account under any of the following circumstances: 1, purchase, build, renovate or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, who is sentenced to death, life imprisonment or fixed-term imprisonment at the expiration of the statutory retirement age; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.