1. First of all, the answer is yes, you can buy a house through a provident fund loan.

2. Provident fund loans usually do not directly consider personal credit records, so the number of overdue loans is not the main factor in applying for provident fund loans.

3. Provident fund loans are mainly based on the amount and years of individual contributions to the provident fund, and the loanable amount and interest rate are determined according to these conditions.

4. Personal credit records are generally more important in commercial bank loans, while provident fund loans are relatively loose.

5. However, the provident fund loan also needs to meet other conditions, such as the time to pay the provident fund and the approval of the unit. , according to local policies and regulations to determine whether it meets the conditions.

6. In short, although your credit card is overdue for many times, you can still buy a house through provident fund loans, provided that you meet other conditions of provident fund loans.

Extended data:

Provident fund loan refers to a way to use the funds in the personal provident fund account to make loans. The provident fund is deducted from the wages according to the wage income of the workers and deposited into the personal provident fund account. China's social security system aims to provide employees with housing, medical care and other support. According to local policies and regulations, eligible individuals can use the funds in their provident fund accounts to purchase houses. Provident fund loan is one of the common ways to buy houses because of its low interest rate and long repayment period.