When a commercial loan is converted into a provident fund loan, the borrower shall meet the following seven conditions:

Meet the application conditions for housing provident fund loans in this Municipality;

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

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

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

The purchased property has obtained the house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure;

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

Never applied for a housing provident fund loan.

Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be original):

Original purchase contract;

Original purchase invoice issued by the tax department;

Original Property Ownership Certificate and Land Certificate;

Original ID cards of both husband and wife (valid for more than one year);

Original marriage certificate or single certificate (the single certificate is stamped with the official seal of the unit);

Original household registration book;

Original bank settlement voucher and repayment voucher;

Original loan contract signed with the bank.