You can use the provident fund to buy a house, but not all houses can be loaned through the provident fund. The first is a house with complete five certificates, such as the relatively common small property right house at present. Because there is no real estate license issued by the state, it cannot be recognized by the housing provident fund center, and naturally it cannot be used for loans. There are also some houses whose property rights are not clear enough. For example, houses under the name of schools or hospitals are not personal property rights and cannot be purchased through provident fund loans regardless of the price. According to the relevant regulations of our country, providing housing provident fund for employees of enterprises and institutions is a welfare policy to meet the demand of rigid house purchase. If the house you buy is too large, you can't use the provident fund loan naturally. When applying, you can go to the local housing provident fund center for consultation. In addition to buying a house, the housing provident fund can also be used for decoration. During the period of buying a house, you can withdraw the provident fund to repay the loan principal and interest.