In fact, shop loans belong to commercial real estate loans, not personal housing loans, so provident fund loans cannot be used. Housing accumulation fund is a long-term housing deposit jointly paid by employers and employees. It can only be used for employees to buy, build, renovate or overhaul their own houses, and cannot be used for loans to buy commercial shops. When buying a shop, you must buy it legally.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

To sum up, the housing provident fund can only buy residential or residential houses, such as shops, shops, apartments and so on. Other channels are not easy to handle, and you can only apply for withdrawal for reasons such as house maintenance or account transfer.

Legal basis:

Regulations on the administration of housing provident fund

Article 24

Under any of the following circumstances, employees can withdraw the storage balance in the housing provident fund account: 1, purchase, build, renovate or overhaul the owner-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, who is sentenced to death, life imprisonment or fixed-term imprisonment at the expiration of the statutory retirement age; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.