Legal analysis: to purchase new commercial housing, affordable housing and existing commercial housing to apply for housing provident fund loans, eight conditions must be met at the same time. For example, the applicant has paid the down payment for house purchase as required; To apply for converting a commercial housing mortgage loan into a housing provident fund loan, the applicant must meet the conditions for repaying part or all of the original commercial housing mortgage loan in advance and have obtained 1 1 from the original commercial housing mortgage loan bank.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the implementation.

The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.