What can I do to buy a house in first-and second-tier cities besides using the provident fund?

1. Pay the rent. For those who are still in the stage of renting, they can apply for drawing housing provident fund to pay the rent under the condition that they, their spouses and minor children have no housing with their own property rights within the administrative area of this Municipality.

2. Repair the shell. Housing provident fund can be used for the construction and overhaul of self-occupied housing owned by me. Don't get me wrong, it doesn't actually apply to ordinary house decoration. Only when your house is identified as dangerous and seriously damaged by the Housing Appraisal Bureau can you use the housing provident fund to replace important parts and carry out maintenance works for your house.

3. Treat major diseases. If the payer, spouse or child suffers from serious illness, in addition to medical insurance, he may apply for withdrawal of provident fund to pay for treatment. Guangxi, Tianjin, Chongqing, xi, Qinhuangdao, Changsha and other places have similar regulations at different times.

4. Immigration. If the payer chooses to settle abroad or in Hong Kong, Macao and Taiwan, he may apply for cancellation of the provident fund account and withdraw the balance of the provident fund account at one time.

5. Difficult families. If the family suffers from major accidents, such as earthquake, fire, car accident and other personal accidents, resulting in special difficulties for the family, it may apply for withdrawal of housing provident fund.

6. Pay the mortgage. If you buy a house with a loan, the provident fund can be used to repay the house purchase loan, including commercial housing mortgage loan, provident fund loan and portfolio loan. Provident fund withdrawal application can only be withdrawn once a year. You can choose the repayment method that suits you according to your own situation, and reasonably apply for repayment from the provident fund.