Housing lenders turn to provident fund loans to improve. As long as users meet the conditions of early settlement of commercial loans and the requirements of local provident fund loans, they can apply for the business of converting commercial loans into provident fund loans.

Generally speaking, the condition for early settlement of commercial loans is that the loan should be over one year and there is no overdue payment. The requirement of housing provident fund loan is that the applicant should continuously deposit 12 months or more. To meet these two points, you can first apply for settlement of commercial housing loans, and then go to the provident fund center to apply for housing loans.