Commercial loans to provident fund loans:

Application conditions:

1. The original commercial bank's housing loan must be repaid normally for more than 1 year, and the record of no overdue repayment provided by the original lending bank shall be issued;

2. The property applying for "business to public" must have obtained the property ownership certificate, and the property has no other legal disputes;

3, for "business to public" must obtain the consent of the original commercial loan bank;

4. If the marital status of the borrower changes when applying for "business to public", relevant certificates and legal property ownership certificates shall be provided.

Application materials:

1. The original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife of the borrower;

2. If a husband and wife apply for "business to public" for other reasons such as divorce, they must provide a divorce certificate and a judgment of the people's court on the division of husband and wife's property or a notarized property division agreement, and must specify the ownership of the house property;

3. A copy of the house ownership certificate;

4. To apply for "business-to-business", the original and photocopy of the housing loan contract of the original commercial bank shall be provided, as well as the normal repayment record and loan balance of the borrower's commercial loan provided by the original loan bank.