You can't withdraw the provident fund when you buy a shop. Shops' loans are a kind of commercial real estate loans, not personal housing loans, so you can't use provident fund loans or withdraw provident fund. The purchase of shops can be commercial loans, and loans can be made to loan companies. If you have good conditions and can endure a long waiting time, it is recommended to buy a shop with a bank loan.

What should I pay attention to when buying a shop?

1. Property rights of the store

The property rights of shops should be clear, and before buying, you should check the property right certificate, the ownership certificate of mortgage or pledge status, etc.

2. Shop Pre-sale Certificate

Be sure to read the pre-sale certificate before signing the purchase contract to avoid the developer selling without a license, which may cause trouble later. The quality of the house should be inspected on the spot, or the owners who have already checked in should be consulted. Before signing the purchase contract, it must be investigated clearly.

3. The structure of the store itself

Not all good shops in lots can be used rationally. At the same price, the structure of the facade itself is very important, mainly considering the width-depth ratio, the internal layout structure and utilization rate of the house, the height, bearing capacity and floor of the house. Only when these hardware are qualified, can customers be guaranteed to meet the use standards of themselves or the leased objects in use or in future leases.

4. Supporting facilities

Good matching can save a lot of cost and energy for merchants and customers. Such as water, electricity and capacitors, gas, weak electricity facilities, sewage and petroleum facilities. Be sure to check clearly before buying, otherwise the difficulty and cost of transformation will directly restrict the later self-operated or rental effect.

5. Dense population

Shops are generally suitable for crowded streets, especially commercial circles with many commercial activities and concentrated commercial facilities. It is good to open convenience stores, supermarkets, dry cleaners and other stores. If you buy a facade with a good location, it is easy to rent it.

6. Avoid the streets subject to traffic control. There is a parking space in front of the shop.

The location of the store must be convenient for traffic. Don't choose a place subject to traffic control, such as car types, transit time, one-way traffic and so on. It is best to choose taxi parking spaces near shops or bus stops.