If you have used two credit cards for RMB 100,000, as long as you repay the money normally and there are no overdue or other abnormal situations, you can use a housing provident fund loan. Taking the Zhengzhou Housing Provident Fund as an example, you can apply for a housing provident fund loan as long as you meet the following conditions:

1. The borrower and his or her spouse have valid identity certificates.

2. The specified proportion of down payment has been paid, down payment + loan amount = total property price, and the house payment has not been paid in full.

3. The borrower has paid and deposited the housing provident fund continuously and normally for more than 12 months (inclusive), and the recent outstanding payment does not exceed 4 months.

4. The family income is stable, the credit is good, and the applicant has the ability to repay the principal and interest of the loan.

5. Agree to provide a loan guarantee method approved by the Housing Provident Fund Management Center.

6. The borrower and his/her spouse do not have unpaid housing provident fund loans or large debts.

Other provisions regarding housing provident fund.

When purchasing newly built commercial housing, the provident fund loan ratio should not exceed 70% of the total price of the property. When purchasing existing commercial housing (second-hand housing), the provident fund loan ratio should not exceed 60% of the total price of the property.

The payment status of both the borrower and his wife meet the provident fund loan conditions. If the provident fund loan is used for the first time to purchase the family's first home, the maximum provident fund loan amount is 800,000 yuan. If the borrower's unilateral deposit status meets the provident fund loan conditions, the family uses the provident fund loan for the second time, and the family purchases a second home, the maximum provident fund loan amount is 600,000 yuan.

Reference for the above content? Zhengzhou Housing Provident Fund - Housing Provident Fund Loan Instructions