If the provident fund loan fails, the parties may apply for a commercial loan. Lenders who transfer commercial loans need to go through relevant loan procedures with relevant loan materials at the bank to be loaned. Usually, the borrower who transfers the provident fund loan and the borrower who transfers the commercial loan must be the same person; The original loan has been repaid normally for more than 1 year, and there is no overdue repayment record provided by the lending bank; The loan must be approved by the original lending bank.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.