Hello, I am happy to answer your questions about the Garden City Phase I commercial community.

The real estate certificate for buying an existing house in the first phase of Garden City will be issued to you immediately and you can get it immediately. If you apply for a loan for a Garden City Phase I shop, the bank will not deduct the real estate certificate but other certificates, which are part of the land certificate. A normal Garden City Phase I shop house has both a real estate certificate and a land certificate, and other certificates. If it is a first-phase store loan in Garden City, it must be kept by the bank. If you pay it off in one go, you will have two complete certificates.

The conditions for providing provident fund loans to purchase Garden City Phase I shops include: 1. The borrower must have a household registration in the city where the Garden City Phase I shops are located; 2. The usual income must be stable, have good credit, and have the ability to repay the loan; 3. There is a legal contract or agreement for the purchase of a home in the first phase of Garden City shops, and the required proportion of self-raised funds; 4. There are assets stipulated in the "Security Law" for the mortgage or pledge of the loan for the purchase of the first phase of Garden City shops; 5. . Agree to apply for property purchase guarantee or mortgage property insurance; 6. Agree to other conditions stipulated in the management of housing provident fund.

The above information is for reference only. Hope this helps!