1. Provident fund loans usually require applicants to have good credit records and repayment ability.

2. Eight overdue payments two years ago may have a certain impact on your credit record, but as long as you settle all overdue payments one year ago, your repayment ability has improved.

3. To get a provident fund loan, you need to apply to the local housing provident fund management center, and they will evaluate it according to your specific situation.

In the evaluation process, they may consider your credit history, income status, job stability and other factors.

If you can provide other good credit certificates and show a good repayment record in the past year, it will help to increase your chances of obtaining provident fund loans.

In short, although you had eight overdue records two years ago, you may still get a provident fund loan to buy a house as long as you settle all of them one year ago and can prove your repayment ability and good credit record.

Extended data:

Provident fund loan refers to a form of loan that takes personal provident fund as pledge or guarantee and is often used for house purchase, decoration or other legitimate housing needs. Provident fund loans are usually favored by many buyers because of their low interest rate and long repayment period. The housing accumulation fund policy of each city may be different. Please consult the local housing provident fund management center for specific conditions and requirements.

Please note that this answer is based on the general situation, and the specific results may vary depending on the region and individual situation. It is suggested that you consult the local housing provident fund management center or bank for accurate and personalized information and guidance.