When a commercial loan is converted into a provident fund loan, the borrower shall meet the following seven conditions:

1. Meet the application conditions for housing provident fund loans in this Municipality;

2. The borrower must be the borrower or spouse of the original housing loan (as required by the buyer);

3. The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;

4. The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;

5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;

6. Commercial loans that can be mortgaged for the purchased real estate can be transferred to provident fund loans;

7. Did not apply for housing provident fund loans.

Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be original):

1. Original house purchase contract;

2. The original purchase invoice issued by the tax department;

3. Original real estate license and land certificate;

4. The original ID cards of both husband and wife (valid for more than one year);

5. Original marriage certificate or single certificate (the single certificate is stamped with the official seal of the unit);

6. Original residence booklet;

7. Original bank settlement voucher and repayment voucher;

8. Original loan contract signed with the bank.