You can't.

The shop can't get a loan. If it is a house, you can only withdraw the provident fund once, but you can't withdraw the provident fund to repay the loan every month. Then the loan cannot withdraw the provident fund, and it is stipulated that the loan cannot withdraw the provident fund.

Commercial real estate includes shops, office buildings and serviced apartments, and retail outlets belong to commercial real estate; Stores are not within the scope of purchase restriction, so provident fund loans are not allowed. Buying a store with Industrial Loan is to evaluate your repayment ability, and there is no limit on the loan amount. Commercial loans are now 7.05%, and the longest loan period is only 10 year. Unlike a house, you can borrow it for 30 years.

First, how to use provident fund to repay provident fund loans

The provident fund can be used to repay the mortgage, and the balance of the provident fund can be withdrawn from the housing provident fund account to repay the loan in one lump sum. Many people need to repay their loans in this way after retirement. After repaying the loan, if the loan has not been paid off, the principal and repayment period of the remaining loan will be recalculated to determine the future monthly repayment amount.

You can also withdraw the balance of the provident fund account and repay the loan in advance. After repaying the loan in advance, the lender in need can stop lending for several months. After the loan repayment period ends, the needy lender must continue to repay the loan on a monthly basis. Interest owed during the suspension period is not subject to penalty interest and compound interest, and needs to be deducted from the monthly repayment after the suspension period. Some property buyers have changed their income at a certain stage (such as illness, childbirth, unemployment, etc.). ), so they often use this way to repay the loan.

Second, is it an automatic deduction to repay the provident fund?

1. It is understood that only when the balance of any one of the main lender's provident fund account, the auxiliary lender's provident fund account and the repayment card is greater than or equal to the principal and interest of the loan to be repaid can the automatic deduction of the provident fund be considered successful.

2. In other words, the provident fund can be deducted automatically. As long as there is enough balance in the account, the expenses that need to be deducted can be automatically deducted every month, and there is no need to set an alarm clock to remind you of repayment every month.

3. In addition, how to repay the provident fund? Mortgage repayment of housing provident fund is to entrust the bank to withdraw funds from the balance of individual provident fund account for monthly or early repayment. Mortgage repayment can be divided into "annual mortgage" and "monthly mortgage".

4. The annual repayment method is equivalent to partial prepayment once a year, but this method gives priority to repaying the principal of provident fund loans, and the monthly repayment amount must be repaid in cash.

5. Monthly repayment, in addition to the "monthly principal and interest payable" of provident fund loans, can also be used to offset the "monthly principal and interest payable" of commercial loans.

Can shops use housing provident fund loans?

You can't. Because shops are commercial in nature, they cannot be purchased or loaned with housing provident fund. But you can change it a little, that is, you can buy a ground floor house facing the street. These ground-floor houses can be used as storefronts, and the nature of the land is not commercial, so housing provident fund can be used.

legal ground

Regulations on the administration of housing provident fund

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, has been sentenced, sentenced or reached the statutory retirement age of the country at the expiration of his term of office; 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.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Can the store mortgage loan withdraw the provident fund?

If it is handled in China Bank, non-residential properties such as shops and office buildings cannot apply for provident fund loans. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

Can shops use provident fund loans?

If you apply for personal housing provident fund loans in China Bank, you can't apply for provident fund loans when buying shops and office buildings. Non-residential properties cannot apply for provident fund loans. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

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The above contents are for your reference. Please refer to the actual business regulations.

Can the facade house be loaned by provident fund?

You can't. According to the Regulations on the Management of Housing Provident Fund, individual housing provident fund loans are housing loans granted to employees who meet the conditions of housing provident fund loans to buy self-occupied housing. You bought a facade. According to the regulations, you can't apply for provident fund loans. If you have other houses, you can borrow provident fund decoration loans to buy shops.