Legal analysis: 1, the first housing can be handled; 2. The original commercial loan bank agrees+the real estate license has been processed; 3. Continuous and timely deposit of provident fund for more than 6 months; 4. Have repayment ability and good credit status; 5. If a borrower wants to convert a commercial loan into a provident fund loan, he must first raise funds, pay off the commercial loan and cancel the original mortgage before applying for a housing provident fund loan; 6. If the borrower purchases an auction house, the purchased property must be capped when handling the "business to public"; 7. If you have an existing house, you must apply for a commercial loan to a provident fund loan with the real estate license.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.