Hello, my friend. Congratulations on becoming the owner of the house. I am a real estate sales manager, and the professionalism and credibility of answering questions are extremely high, so if you have any other questions, you can add them.

First of all, bank mortgage management regulations are not limited to banks in China, and any bank that has made commercial loans cannot be converted into provident fund loans. When buying a house, which mortgage method can you choose provident fund mortgage? Except for changing the service life and repaying the loan in advance, the mortgage contract cannot be changed. I don't know why you didn't get a provident fund loan at that time. It's really a pity because (using housing provident fund can reduce the interest of several hundred yuan per month compared with commercial loans), but your housing provident fund can still be used. When your house is still in arrears with bank loans, you can withdraw it once every six months for building use, otherwise your housing provident fund can only be withdrawn when you retire or leave your job. Finally, I wish you a happy new house ~!