You can apply for a commercial loan to a provident fund loan, and you need to meet the following conditions:

1, which meets the application conditions for housing provident fund loans in our city;

2. The borrower must be the borrower or spouse of the original housing loan (required by the buyer);

3. The original commercial housing purchase loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;

4. The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;

5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;

6. Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;

7, did not apply for housing provident fund loans.