Commercial housing cannot use provident fund, because the scope of provident fund loans is specified. There are two kinds of real estate that are not within the scope of loans, one is the right to use housing, and the other is commercial housing. Commercial housing refers to self-operated commercial housing or office space, which is different from self-occupied and self-occupied housing. Individuals who purchase commercial housing cannot apply for housing provident fund loans.

What is commercial housing?

Commercial premises refer to all kinds of shops, salesrooms, restaurants, grain and oil shops, food markets, barber shops, photo studios, bathrooms, hotels, guest houses and other houses used for business and services for residents' lives, as well as office buildings, garages and other office buildings.

The land use life of commercial buildings is 40 years. The broad concept of commercial premises includes not only retail business, but also real estate for entertainment, catering and tourism, profitable exhibition halls, sports venues, bathrooms, and commercial premises with physical buildings such as banks and securities.

Looking back at the history of commercial premises, that is, shops that people have called since ancient times are places where operators provide commodity trading services to customers.

Relevant regulations of commercial housing

1, personal address:

According to the latest requirements of the Administration for Industry and Commerce, the registered address of the company must be in the business place, not the residence. If the house is used to register a company, it must be registered as a "change of residence business" with the consent of all neighbors before it can be used to register a company. For the detailed requirements of enterprise residence, please refer to the Annex Detailed Provisions on Enterprise Residence.

2. Housing loan:

Personal commercial housing loans refer to commercial loans issued by lenders to borrowers with their own funds for the purchase of commercial housing (including shops and office buildings). ).

3. Loan amount: The maximum loan amount for an individual commercial house is 50% of the total price of the purchased commercial house (the principle of lower evaluation price and transaction price is applied to the individual second-hand commercial house). Where the relevant regulatory provisions change the loan amount of individual commercial housing, such provisions shall prevail.

4. Loan term: The longest loan term for individual commercial housing is 10 year.

5. Loan interest rate: The loan interest rate of individual commercial housing is subject to the relevant regulations of the People's Bank of China.