Heart yang
Commercial loans and provident fund loans, Beijing can not be converted to each other for the time being; But under normal circumstances, if the commercial loan is not approved, it is no problem to terminate the commercial loan first and then go through the formalities of provident fund loan.
The condition of provident fund loan is that the borrower has established a housing provident fund account 12 months or more, and paid the housing provident fund 12 months or more in full (normal payment includes continuous monthly payment, early payment and supplementary payment of housing provident fund), and can apply for a provident fund loan when applying for a loan. According to what you said, if the provident fund you paid meets the above conditions, you can apply. If it is less than one year, you can't apply for provident fund loans.
In addition, if you still want to borrow money, I suggest you apply for a commercial loan first, and you can enjoy the preferential interest rate for the first set of home purchase loans, and the second set can be used as provident fund. There is no limit to the floating of provident fund loans; If you use the provident fund loan for the first time, if you use the commercial loan for the second time, you will not be able to enjoy the preferential interest rate, and you may have to implement interest rate floating. Under the current policy situation. Of course, if the first and second sets of restrictions are abolished in the future, it will not have any impact.
As for the upstairs, it is said that as long as you pay the provident fund for one month, you can apply for provident fund loans, but only for the purchase of affordable housing. According to the housing provident fund management center, there is no such loan at present.
To sum up, it is not recommended that you take provident fund loans again.