Can Weinan second-hand house use provident fund loan? This is possible. 1. Can a second-hand house in Weinan be loaned by provident fund? 1. When employees apply for provident fund loans, local housing provident fund management centers entrust commercial banks to issue mortgage loans for purchasing second-hand houses to employees who have paid housing provident fund and employees who have left during their employment. 2. Provident fund loans have many advantages, but the disadvantages are complicated procedures and long approval time. Second, the meaning of second-hand housing provident fund: 1. Second-hand housing provident fund loan refers to the housing provident fund paid by local housing provident fund management centers for employees in their units. 2. Then entrust commercial banks to provide mortgage loans specially used for buying second-hand houses to employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment. ① Materials required for housing provident fund loans: household registration books of borrowers and their spouses; Resident identity cards of the borrower and his spouse; Proof of the marital status of the borrower; Proof of down payment for house purchase; Proof of income; Credit status report of the borrower and his spouse printed by the bank; Housing sales contracts or agreements that comply with the law. ② Conditions for handling housing accumulation fund; Individuals and their units must continue to pay housing provident fund for one year; The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price. ③ Handling process of housing accumulation fund: the lender prepares relevant materials, fills in the loan application in the bank and submits the materials; After receiving the application, the loan bank shall confirm and review the information; After the audit, the loan bank contacts the lender and signs the relevant contract; For bank loans, the lender shall fulfill the repayment obligation. In the process of buying a house, people who choose loans account for more than 50% of buyers, and this proportion will increase with the rejuvenation of buyers and the change of people's financial management concepts. There is not much difference between buying a second-hand house and buying a new house, but the nature of the second-hand house itself is somewhat different. Please consult a professional lawyer for details.