1. First of all, the original commercial loan must be repaid normally for more than 1 year, and there is no record of overdue repayment.

2. If the housing provident fund has been withdrawn, the housing provident fund must be continuously and normally deposited 1 year or more from the date of withdrawal.

3. The house that is finally transferred to the provident fund loan must be a formal and legal residential development project registered in the municipal capital center.