can I use provident fund loans to buy villas? Villa can't be mortgaged. The main goal of housing provident fund loans is to improve the basic living environment of employees and improve their living environment, but they should not be used for investment and enjoyment. The Operating Rules for Personal Loan of Housing Provident Fund stipulates that those who purchase villas, multi-storey villas, commercial and residential dual-use (including apartments) and invest in speculative housing may not apply for housing provident fund loans. In other words, if you buy a villa, you can no longer apply for provident fund.

what house can I apply for provident fund loans? Provident fund loans include: commercial housing, stock housing, housing reform housing, self-built housing, relocated housing, housing without property rights, etc.

1. Commercial housing (loan cooperation agreement shall be signed with the municipal housing provident fund center);

2. Existing houses (that is, the replacement of house property rights);

3. Second-hand houses (houses that have been listed for sale);

4. "Housing reform housing" refers to the public housing purchased by urban workers in accordance with the provisions of the state and local people's governments on the reform of urban housing system;

5. Self-built houses refer to houses built on state-owned land according to the examination and approval needs of relevant departments;

6. Relocated houses refer to houses that were demolished due to the needs of national, provincial and municipal planning and construction. Because of the needs of government, provincial and municipal planning and construction, individuals invested in buying houses in the form of relocation and failed to repay loans in the original houses;

7. A house without property right refers to a house located on the unit land that cannot obtain the property right certificate of state-owned land and must be bought and sold for the first time;

8. auction the house (the auction company needs to sign a loan cooperation agreement with the municipal housing provident fund center);

The housing provident fund loan is that the National Housing Provident Fund Management Center uses the individual housing provident fund of employees and entrusts commercial banks to mortgage the housing provident fund provided by employees and in-service employees.

Housing accumulation fund refers to the long-term housing savings of the government, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

the above is about whether you can use provident fund loans to buy villas and the houses that can apply for provident fund loans. I believe you already know something about it, and I hope this article will help you.