(1) Borrowers who have urban hukou (including blue-printed hukou or temporary residence permit), pay housing provident fund normally, have full capacity for civil conduct, have good personal credit, have a stable job and income, have applied for commercial housing loans and repay the loan principal and interest on time can apply for converting commercial loans into provident fund loans.

(2) Employees who have applied for housing portfolio loans and have withdrawn housing provident fund at the time of purchase will no longer apply for transfer to provident fund loans.

(3) The original commercial loans must be handled at the provident fund loan bank outlets entrusted by the municipal housing reform fund center, and the housing commercial loans entrusted by non-provident fund loans to individuals cannot be converted into provident fund loans.