Legal analysis: First of all, three conditions must be met. First, the buyer has two certificates; Second, there must be no overdue repayment records during the repayment period; Third, it takes more than half a year for buyers to pay the provident fund. If the above three conditions are met, the buyer can apply to the commercial loan bank with his ID card, household registration book, marriage certificate and two certificates of real estate and land, and then find the designated guarantee company to pay the relevant fees. If the guarantee letter of the payment slip and the deposit certificate of the provident fund are presented, the commercial loan bank will sign a contract for the transfer of corporate business. If the loanable amount of the provident fund is lower than the unpaid part, it needs to apply for a combined loan of the provident fund.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.

Article 680 It is forbidden to lend at high interest, and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.