Yes, you can. According to the regulations, citizens who have paid the housing provident fund in full and regularly for more than 6 months in our city can apply for provident fund loans if they buy second-hand houses in mature residential quarters or unit dormitories inside and outside the Second Ring Road. Of course, the applicant must also meet the conditions of permanent residence in this city, stable work income, good credit record, and no outstanding provident fund loans for both husband and wife. For specific application conditions, please refer to the Work Guide of Hefei Housing Provident Fund Management Center in official website.

As for the second-hand housing provident fund loan amount, there are the following provisions:

1. Maximum amount: both the applicant and the spouse have continuously paid the housing provident fund for more than 6 months according to the regulations, with a maximum amount of 550,000 yuan; If the borrower unilaterally pays the housing provident fund in full according to the regulations, the maximum amount is 450,000 yuan.

2. Loanable amount: Calculate the loanable amount according to the formula within the maximum amount: the sum of the monthly salary income of the husband and wife who have paid the housing provident fund × 12 (month )× 0.5× the actual loanable period.

3. Second-hand housing loan ratio: if the house age is within 10 years, the maximum loan can be 80%; If the room age is between 10 and 20 years, the maximum loan can be 70%.

Hefei second-hand housing provident fund loan period:

According to the policy of Hefei Housing Management Center, the longest loan period of second-hand housing provident fund in this city is 20 years; And the loan period+the age of the second-hand house does not exceed 30 years. Moreover, the sum of the borrower's age at the time of applying for a loan+the loan term shall not exceed the statutory retirement age +5 years. Retirees are not allowed to apply.