You can buy a house with a provident fund loan. The details are as follows:

1. First of all, the answer is yes, you can buy a house through a provident fund loan.

2. Provident fund loans usually do not directly consider an individual’s credit record, so the number of overdue loans is not a major factor in applying for a provident fund loan.

3. Provident fund loans are mainly based on the amount of provident fund paid by an individual and the length of time. The loan amount and interest rate are determined based on these conditions.

4. Personal credit record is generally more important when obtaining loans from commercial banks, while provident fund loans are relatively loose.

5. However, provident fund loans also need to meet other conditions, such as the time for providing provident fund payment, unit recognition, etc. Whether the conditions are met must be determined according to local policies and regulations.

6. In short, although your credit card is overdue many times, it is still possible to buy a house through a provident fund loan, provided that you meet other conditions for a provident fund loan.

Extended information:

Provident fund loan refers to a way of using funds in a personal provident fund account for loans. The provident fund deducts a certain percentage from the employee's salary and deposits it into a personal provident fund account. This social security system for Chinese employees aims to provide them with housing, medical and other support. Subject to local policies and regulations, eligible individuals can use funds in their provident fund accounts to take out loans to purchase housing. Provident fund loans generally have lower interest rates and longer repayment terms, and are one of the common ways to buy a house.