Legal analysis: provident fund loans can't buy a car. The scope of application of provident fund loans is: no tenant pays rent; Terminate or terminate the labor relationship with the unit, the account has been sealed for more than 6 months or the withdrawal of housing provident fund has been suspended for more than 24 months and the account has been sealed; Retired; Enjoy the minimum living guarantee; Purchase, construction, renovation, overhaul of owner-occupied housing or repayment of principal and interest of owner-occupied housing mortgage loan.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.