After clearing the provident fund loan, you can use the provident fund to buy a house. Whether the provident fund loan is made before marriage or after marriage, one of the husband and wife has made a provident fund loan, which will be recorded in the provident fund center system. Before the last loan is paid off, the husband and wife can no longer use the provident fund loan to buy a second suite. However, the first home provident fund loan has been settled, and if both husband and wife use the provident fund loan to buy a house again, it is still regarded as the first time to buy a house, which is not restricted by the second home policy.

Pay attention to the use of provident fund to buy a house: 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. Second, the total withdrawal from 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fund balance was 300,000 yuan, so he could only withdraw 200,000 yuan, and the remaining 6,543,800 yuan could not be withdrawn.