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After buying a second-hand house, how to turn a commercial loan into a provident fund loan one year later?
According to the relevant policies and regulations of China's provident fund, citizens who want to apply for a business-to-public loan should meet the following six conditions.

1. Pay the housing accumulation fund normally in the local area.

2. The loan business only accepts the application of the borrower or spouse of the original housing loan.

3. The applicant needs to confirm to the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next business.

4. The applicant shall ensure that the repayment of the original commercial house purchase loan is over 1 year (inclusive), and the credit record is good, and there is no overdue behavior.

5. When the applicant transfers to the outside world, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before.

6. The amount of business-to-public loans applied for should be accepted within the maximum loan amount of housing provident fund loans announced by the local housing provident fund management committee and the balance of the original commercial housing loans. The loan interest rate of business transfer to public is implemented according to the current loan interest rate of housing provident fund in our city.

Before applying to the housing provident fund management institution, it is necessary to prepare relevant materials, including the original loan contract for commercial house purchase loan signed with the original loan bank; Certificate of house ownership issued by the local real estate registration department; The loan balance certificate or the original loan repayment list can only take effect after the original loan bank seals it. After the materials are complete, you can apply for a business loan to the local housing provident fund management institution.