You can borrow money. Second-hand housing belongs to the property type of market transaction. According to Article 24 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. Buying a second-hand house belongs to the category of provident fund, and you can use provident fund loans.