Legal analysis: Generally, provident fund loans can only be used to buy a house after they have been paid for more than 1 years. As for the down payment of second-hand houses, there is no fixed amount, some pay 31%, and some pay 41%.

Legal basis: "Several Opinions on Promoting the Stable and Healthy Development of Urban Real Estate Market" to increase the support for housing provident fund loans. First, the maximum amount of housing provident fund loans is raised, and the maximum amount of loans for dual employees to pay housing provident fund is raised from 451,111 yuan to 511,111 yuan; Second, if urban household registration personnel who have paid housing provident fund in other places return to Taizhou to buy houses, they will be allowed to apply for housing provident fund loans, introduce credit funds from commercial banks as a source of loans in other places, and implement the policy of housing provident fund loans in different places through the "revolution business" discount loan model; The third is to further strengthen publicity and guidance to help employees fully understand the housing provident fund policy. (Responsible unit: Municipal Housing Provident Fund Management Center)