You can use provident funds to apply for loans for second-hand houses without going through an intermediary. The specific process is as follows:

1. The borrower goes to the Housing Provident Fund Center for consultation and receives an application form. : The house buyer, seller and spouse (certificates should be issued if unmarried or divorced), go to the city with the originals of the "House Ownership Certificate" and the "State-owned Land Use Certificate" in the seller's name, as well as the original household registration book, ID card and marriage certificate. Pre-register at the Housing Provident Fund Center and receive a provident fund loan application form.

2. The borrower submits the following loan information to the Municipal Provident Fund Center:

(1) Provident Fund Loan Application Form;

(2) Provident Fund Payment Certificate ( or housing provident fund account book) and proof of economic income;

(3) Evaluation report of the purchased house;

(4) "Existing House Purchase Contract" signed by the buyer and seller ;

(5) "House Ownership Certificate" and "State-owned Land Use Certificate" (original and copy) in the name of the original seller;

(6) ID cards of both spouses, Household register, marriage certificate (original and copy, single employees should provide single certificate);