You can buy a second-hand house with a provident fund loan. As long as you pay the housing provident fund on time for more than 6 months, you can apply for a provident fund loan, but there are certain restrictions. Second-hand housing down payment is definitely necessary, and the proportion is generally above 20%. In addition, the lender's age and loan application period together cannot 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.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. With the characteristics of security, mutual assistance and long-term, it is mainly used for employees to buy, build, rebuild, overhaul and decorate their own houses or pay rent. From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.