1, whether you need a guarantor to buy a house depends on local regulations. Some need a guarantor, and some need to find another set of residence guarantee;

Yes, if you do this, you may only apply for a business loan. Generally speaking, foreign provident funds can only be used locally, not in other places. Ask about the real estate over there;

In fact, the real estate market generally prefers commercial loans, so there is nothing wrong with not having a provident fund, but the interest rate of commercial loans is higher than the provident fund. It seems on the news that the interest rate of housing provident fund has been lowered.