According to the relevant policies and regulations of China's provident fund, citizens who want to apply for corporate loans should meet the following conditions. 1. Pay the housing accumulation fund normally in the local area. 2. The loan business only accepts the application of the original mortgagee or borrower or spouse. 3. The applicant needs to confirm to the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next business. 4. The applicant shall ensure that the repayment of the original commercial house purchase loan is above 1 year (inclusive), the credit record is good, and there is no overdue behavior. Regulations on the administration of housing provident fund

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.