Can an apartment be loaned by housing provident fund?

You can't use housing provident fund loans for apartments. Housing accumulation fund is limited to housing, that is, "residential land" and 70-year housing. Usually single apartments, attics, office buildings, etc. All belong to "commercial service land", and the land use period is 40 years, so you can't apply for provident fund loans. If you buy a house with 70-year property rights, you can apply for a housing provident fund loan. The difference between an apartment and a hotel: the ownership of property rights is different. The property right of the hotel-style apartment belongs to the purchaser, and the property owner has the right to live, sell and rent. The property right of the apartment hotel belongs to the investor, and then the house is subletted to the operator for operation. The property nature of the two is different. The property management of the apartment needs the supervision of all the owners, and the owners also need to pay the property management fee. The property management of apartment-style hotels belongs to the management behavior of hotel operators themselves, and tenants only have the right to evaluate or complain about their services.