1. Second-hand houses can be loaned by provident fund, but the lender's age and loan application period shall not exceed 65 years old; You can't be too old. In different places, the requirements of provident fund centers will be different. You can call in advance to find out if you meet the requirements. Those who meet the requirements can apply for loans to the local housing provident fund management center with their identity certificate, purchase contract, real estate license and other materials.

2. Secondly, the premise that second-hand housing can be used for provident fund loans is that to meet the requirements of provident fund centers, down payment is definitely necessary, and its proportion is generally above 20%. In addition, provident fund loans to buy second-hand housing also have certain restrictions. For example, the housing area cannot exceed 144 square meters, and the age of second-hand houses exceeds 15, which is also not allowed.

3. Extended information:

Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: accumulation and specificity. Its main nature is: guarantee, the establishment of employee housing provident fund system, which provides guarantee for employees to solve housing problems faster and better; Mutual assistance, the establishment of housing provident fund system can effectively establish and form a mechanism and channel for workers with housing to help workers without housing, and housing provident fund provides financial assistance to workers without housing, which reflects the mutual assistance of housing provident fund to workers; In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.