Make the following suggestions: 1. If the father's property is in his own name, then he can use his own provident fund to repay the loan. To use the provident fund to repay the loan, you need to apply to the loan bank for the "Power of Attorney for Using the Housing Provident Fund to Return the Housing Loan". The bank will automatically deduct money from the provident fund account on a regular basis according to the entrustment requirements for returning the housing loan. 2. If the father wants to add his own name, he needs to go to the developer to handle the real estate license first, and then take the real estate license and his ID card to the loan bank to handle the business of transferring commercial loans to provident fund loans. It should be noted that to apply for provident fund loans, outstanding commercial loans need to be settled before they can be converted into provident fund loans. 3. Does Beijing Nanchang Bank support the need to go to the bank for consultation on the specific policies and requirements of the bank? It is convenient and quick to use the provident fund for repayment, which is a good repayment method. If the father wants to use the provident fund to repay the loan, it is recommended to consult the loan bank in advance to understand the relevant processes and requirements, so as to better arrange his financial plan.