It is ok to buy a house with the woman's provident fund before marriage, but if the house bought before marriage does not have the woman's name, it cannot be used to buy a house. The principle of buying a house with provident fund is whose house uses provident fund. Only when husband and wife buy a house together can they use the provident fund of both husband and wife. In this case, they need to show their marriage certificates. According to the regulations, the provident fund cannot be directly used as the down payment for buying a house. If citizens want to buy a house through housing provident fund loans, they need to spend first and then withdraw, that is, pay the down payment first, and then bring their ID cards and household registration books. If you are married, you need to provide proof materials such as marriage certificate, and go to the local housing provident fund management center to extract the storage balance in the provident fund. The total withdrawal of the provident fund cannot exceed the total house payment. For example, a citizen bought a house with a loan with a total price of 200,000 yuan, but his provident fund balance was 300,000 yuan, so he could only withdraw 200,000 yuan, and the remaining 6,543,800 yuan could not be withdrawn.

Legal basis:

Regulations on the administration of housing provident fund

Article 24

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.