You can't buy a house with a provident fund loan, because you haven't paid off the provident fund loan. But buying a house belongs to the first set, because there is no room in your name. Moreover, you have a work residence permit in Beijing, and the qualifications for buying a house are the same as those of a Beijing hukou.

Because no matter whether you apply for a municipal provident fund loan or a state-managed provident fund loan, you need to satisfy the borrower (married couple) that there are no outstanding housing provident fund loans and housing provident fund policy discount loans; The provident fund account must be opened and continuously deposited for more than 12 months; Provident fund is still among these three conditions. But you and your ex-husband didn't pay off the loan for buying a house with the provident fund.

So if you want to pay off the provident fund loan, you can use the provident fund loan to buy a house.

Source: /index.jsp (Housing Fund Management Center of Central State Organs) and/(Beijing Housing Provident Fund Network).