If you want to buy a house through a provident fund loan, there are several ways to consider, even if it is overdue 12 times:

1. Improve credit record: strive to pay off all outstanding debts and ensure timely repayment to improve credit record. This will gradually improve the personal credit rating and increase the chances of obtaining loans.

2. Increase the down payment ratio: consider providing a higher down payment ratio to reduce the loan risk. Increasing the down payment will help reduce the loan amount, thus improving the possibility of loan approval.

3. Providing guarantee or * * * with the lender: Look for someone who can provide guarantee or act as * * * with the lender, which can increase the reliability of the loan application and improve the chances of passing it.

Summary:

Although it is overdue 12, there is still a chance to buy a house through provident fund loans. The key is to improve the credit record, increase the down payment ratio, and find a lender as a guarantee or * * *.

Extended data:

1. provident fund loan: China provident fund is a fund jointly paid by employers and employees to help employees provide financial support in retirement and house purchase. Provident fund loan is a loan method with the balance of personal provident fund account as mortgage guarantee.

2. Credit record: Credit record is an important indicator to evaluate personal credit status, including repayment record, overdue situation and debt situation. A good credit record helps to obtain better loan conditions and pass rate.

3. Down payment ratio: When buying a house, the down payment ratio refers to the ratio of the self-owned funds paid by the purchaser to the total house payment. Usually, a higher down payment ratio will reduce the loan risk and increase the chances of the loan passing.