The use of housing provident fund loans to buy second-hand housing needs to meet some conditions. For example, property buyers need to have a normal provident fund deposit record, and the deposit time generally needs more than one year, which needs to meet the local loan application standards and requirements.
In addition, according to the specific provisions of the housing provident fund policy, under normal circumstances, housing provident fund loans have a certain limit, and the loan amount can be related to factors such as the number of years the purchaser has paid the provident fund, the monthly payment amount, and the individual repayment ability. In addition, when buying a second-hand house, you may need to provide some other materials and supporting documents, such as the purchase contract and the seller's real estate license.
In short, if you plan to buy a second-hand house and use the housing provident fund loan, I suggest you consult the relevant local departments or banks to understand the specific policies and procedures so as to make the right decision.