Legal analysis: you can't use the provident fund to buy a car, but the provident fund can only be used to build a house, buy a house and make major changes to the house. According to the law, the housing provident fund can only be used in the process of buying houses, overhauling and building houses for employees who have purchased the provident fund. In addition, it can also be used to repay bank loans to buy a house, but not to buy a car. The housing provident fund paid by employees or units belongs to the employees themselves, and employees can withdraw the housing provident fund when they meet the above conditions or leave their jobs.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.