You can't use provident fund loans to buy shops. The housing provident fund is earmarked for special purposes, and can only be used to buy residential houses, and cannot be used for other purposes. The land of the shop belongs to commercial nature and cannot be used. Property buyers who want to borrow money to buy shops can only apply for commercial loans to buy houses, but the maximum loan can only be 50%. Before buying a shop, it is necessary to check the ownership status of the purchased house with the real estate transaction in the area where the house is located, and see if the developer has relevant documents for selling the shop, including whether it is mortgaged or not, and whether it is subject to judicial restrictions, so as to avoid property disputes.

Materials to be submitted for housing provident fund loan to buy a house:

1, borrower's identity certificate, marital status certificate, family property and income certificate;

2, the legitimate purchase (construction, repair) housing contract letter of intent, agreement or other approval documents;

3. List of collateral or assets, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

4. Proof that the down payment for the house purchase exceeds 30% of the total price of the house purchased;

5, there are assets recognized by the housing fund management center as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6, other conditions stipulated by the housing fund management center.

Legal basis: Article 5 of the Regulations on the Administration of Housing Provident Fund.

The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.