Hello, you can use provident fund loans to buy second-hand houses. If your own provident fund account has a large balance, you can give priority to using provident fund loans, which will have more favorable conditions than commercial loans. Before buying a house, it should be noted that if you want to buy a second-hand house with a provident fund loan, it can only be a commercial house or an affordable housing that meets the listing conditions. The first is to have a formal real estate license. For some commercial houses, such as apartments, there is no way to use the housing provident fund. When buying a house, in addition to certain requirements on the nature of the house itself, personal qualifications should also meet the conditions of the provident fund center. Although most cities use provident fund loans to buy houses for the first time, the down payment ratio is between 20% and 30%, and the years of applying for loans are often related to the age of the lenders. The sum of the two cannot exceed 65 years old, so the age of buying a second-hand house cannot be too old.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!