You can buy a house without paying the provident fund. You can buy a house in full or through commercial loans. Housing provident fund can only be handled by units, and individuals cannot handle it themselves. According to the relevant laws and regulations, housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. Therefore, individuals without housing provident fund can still buy houses through commercial loans. Only the interest rate of provident fund loans is generally lower than that of commercial loans, and the amount is higher, but it is not the only way to buy a house with provident fund loans. You can buy a house without a housing provident fund loan.

The conditions for the use of the provident fund are stricter, and all employees who have participated in the housing provident fund system can use it. Without provident fund, there is no such restriction; The procedure of buying a house with provident fund will be more complicated than that without provident fund, because buying a house with provident fund will also involve portfolio loans. And it needs to be evaluated and approved, which is more troublesome to use.

Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.