We know that many people will apply for provident fund loans to buy houses now, but provident fund loans are also conditional and cannot be applied casually, and not all types of houses can apply for provident fund loans. Provident funds can only be used for residential houses, that is, houses with the land nature of "residential land" and the land use period of 70 years. Usually single apartments, LOFT, office buildings and other houses. The nature of the land is "commercial service land", and the land use period is 40 years, so it is impossible to use provident fund loans. If the purchased apartment is a residential apartment with 70-year property rights, you can apply for a provident fund loan. Second, the precautions for buying an apartment 1, please pay attention to the property rights of the house: commercial housing and residential housing are different, so pay attention to the nature of the apartment you buy when buying a house. According to the relevant regulations, the nature of the right to use the house is consistent with the right to use the land, and the nature of the commercial house is only residential land, commercial land and industrial land. Buyers only need to check the land use column in the land use certificate of the property, and it is clear at a glance whether it is residential or commercial. 2. Clarify the purpose of purchase: When buying an apartment, I suggest you first determine what you are buying an apartment for. If you want to buy an apartment for investment, you can choose a business apartment. Pay attention to whether the security system is perfect, whether the supporting facilities of the house and the surrounding traffic network are in good condition when purchasing. If you live by yourself, I suggest you choose a residential apartment, because most commercial apartments are closed to natural gas and cannot meet the basic needs of life. 3. Pay attention to the surrounding environment and supporting facilities of the community: the environment of the community is very important, no matter whether the apartment is occupied or used for other purposes. When buying a house, buyers need to see whether the supporting facilities of the community can meet the needs of life, and whether there are basic supporting facilities for life near the community, such as supermarkets, vegetable markets and medical clinics. 4. Pay attention to properties and developers: In fact, no matter what type of house you buy, buyers should choose good properties and developers, and the quality of houses built by big developers is more guaranteed. And the property is related to the safety of a community, so the quality of the property is also very important. Provident funds can only be used for residential houses, that is, houses with the land nature of "residential land" and the land use period of 70 years.