You can't. You can use provident fund loans to buy a house. The interest of provident fund loans is lower than that of commercial loans, but the loan amount is not as large as that of commercial loans, and it cannot be cross-provincial. If you buy a house across provinces, you can only take out the provident fund for decoration with the purchase contract. The provident fund cannot be directly used as the down payment for buying a house. Many people think that provident fund can be used as a down payment for buying a house, but this is not the case. Generally speaking, the provident fund is used first and then withdrawn. In other words, if you want to buy a house with a provident fund loan, you must pay a down payment first, and then take your ID card, household registration book and other supporting materials to the local housing provident fund management core to withdraw the balance of the provident fund.

Legal basis:

Regulations on the administration of housing provident fund

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds.

The housing provident fund management center shall not provide guarantees to others.

Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.