Legal subjectivity:

According to my country's provident fund-related policies and regulations, citizens who want to apply for a commercial-to-public loan should meet the following six conditions: 1. Pay the housing provident fund normally in the local area. 2. The refinancing business only accepts applications from the borrower or spouse of the original housing loan. 3. The applicant needs to confirm with the bank that his home purchase loan has not been paid off. 4. The applicant must ensure that the original commercial home purchase loan repayment is more than one year, and the credit record is good and there is no overdue behavior. 5. When applying for business-to-public transfer, ensure that the property purchased has obtained the property ownership certificate issued by the local real estate registration department. 6. The amount of the commercial-to-public loan applied for should be within the balance of the local housing provident fund home purchase loan before it can be accepted. Legal objectivity:

Article 26 of the "Regulations on the Administration of Housing Provident Funds" Employees who have paid housing provident funds may apply for housing provident funds from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. loan. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center. Article 27 Applicants applying for housing provident fund loans shall provide guarantees.