Although you want to buy a house that has just been handed over, you bought it from an individual, which is also a second-hand house. As long as the second-hand house is a house with full property rights, not a public house or a small property right house, you can apply for provident fund loans or commercial loans. When handling provident fund loans, you can use the provident fund to repay the loan automatically every month, which is also called entrusted withdrawal (withholding), but you can't withdraw the balance of the provident fund at one time; Commercial loans can withdraw the balance of the provident fund and the current balance at the time of purchase at one time after completing the purchase procedures. After that, you can also withdraw the balance of the provident fund every month or several months with the repayment voucher, but you can't deduct it automatically every month.

Housing provident fund loans should be handled according to the following procedures:

(a) the borrower to apply for housing provident fund loans to the city housing provident fund management center to submit a written application, fill in the housing provident fund loan application form and truthfully provide relevant information.

(II) The municipal housing provident fund management center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount, loan term and contract completion, and the borrower signs relevant contracts or agreements with the center, and handles insurance according to the provisions of the People's Bank of China.

(three) after the completion of the loan procedures, the city housing provident fund management center issued a loan approval notice to the bank, and the bank went through the loan issuance procedures after receiving the loan notice.