1. Commercial loans can be converted into provident fund loans, and five conditions need to be met.

2. When the borrower applies for a loan at the place where he applies for a provident fund loan, the provident fund is in a normal deposit state.

3. The applicant or the unit where the applicant works has paid the housing accumulation fund for the borrower for at least one month.

4. The applicant has a stable economic income and the ability to repay the loan.

5. The applicant agrees to provide the approved loan guarantee method.

6. The applicant and * * * together with the applicant, including the spouse, have no outstanding loans or other debts except the loans transferred to the provident fund.