If you buy real estate in Shenzhen and meet the relevant policies and conditions of local provident fund loans, you can apply for provident fund loans. Foreign commercial loans and provident fund loans are two different types of loans, and you can choose the corresponding loan methods according to your actual situation.

It should be noted that the policies and conditions of provident fund loans in different regions may be different, and the specific loan amount, interest rate and term will also be different. If you want to apply for a provident fund loan, you can consult the relevant policies and conditions at the local housing provident fund management center and submit an application.