1, provident fund housing loan: individual provident fund housing loan with preferential interest rate.

2. Generally, the following conditions need to be met: the provident fund has been deposited for more than 6- 12 months; The house is a commercial house with property certificate (including housing reform). );

China's Constitution stipulates that land belongs to the state. Commercial housing in China sells the right to use, not ownership. Land can't be bought or sold, let alone bought with provident fund.