Legal analysis: If the provident fund loan is not paid off, one party can use his own provident fund loan to buy a house after divorce. Since the house before marriage is a provident fund loan applied by one party in his own name and the other party is not a lender, although the individual housing provident fund is used to buy a house, it has nothing to do with the loan. Therefore, after divorce, as long as the other party has continuously paid the housing accumulation fund or accumulated housing accumulation fund for more than 65,438+02 months before applying for a personal loan, and it is a divorce by agreement, it can go to the management department to handle the borrower's change procedures with the divorce certificate of the marriage registration department and the notarized documents proving the ownership of the loan house. If the divorce is decided by the court, the borrower can go through the formalities of change in the management department with the effective court judgment and other materials.

Legal basis: Article 1087th of the Civil Code of People's Republic of China (PRC), in case of divorce, the joint property of husband and wife shall be handled by mutual agreement; If the agreement fails, the people's court shall make a judgment according to the specific circumstances of the property and the principle of taking care of the rights and interests of the children, the woman and the innocent party. The rights and interests enjoyed by one spouse in the contracted management of family land are protected according to law.