Legal analysis: Yes, the housing accumulation fund can purchase new commercial housing, housing reform housing, fund-raising housing, demolition resettlement housing and second-hand housing. Under normal circumstances, as long as you buy a house and meet the conditions for housing provident fund loans, you can apply for housing provident fund loans. When buying second-hand houses, it should be noted that houses that have been completed for more than 25 years or are included in the scope of demolition will no longer accept provident fund loans.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.