First of all, it should be noted that shop loans are a kind of commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. The purchase of shops can be commercial loans, and loans can be made to loan companies. If you have good conditions and can endure a long waiting time, it is recommended to buy a shop with a bank loan. When applying for a loan from a store bank, you need the borrower's identity certificate, income certificate, store purchase certificate, mortgage certificate and other information as well as other conditions required by the bank. At the same time, after submitting the application materials correctly, the borrower also needs to provide a down payment certificate of more than 50% of the house price of the purchased store. The longest loan for shops can be 10 years. As long as the loan can be repaid and the repayment ability is good, you can submit an application to the bank according to the normal loan process.