Legal analysis: Housing accumulation fund cannot be used to buy shops. Shop loans are actually commercial real estate loans, not personal housing loans, so you can't use provident fund loans. 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. Housing provident fund can only be used for the purchase of commercial housing and self-built housing.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.