The mode of buying a house by loan can be selected from commercial loans, provident fund loans, combined loans of commercial loans and provident fund loans, or commercial loans to provident fund loans.
After all, the interest on provident fund loans is very low, and it is excellent to apply for a part or have the opportunity to transfer to provident fund loans. From the perspective of provident fund loans, generally speaking, you can apply for provident fund loans only after you have paid the provident fund for at least 6 months.
From the perspective of commercial loans, once the application for commercial loans is successful, if you want to transfer to provident fund loans, you must first settle the commercial loans in advance. Generally, you can only apply after at least one period of normal repayment, and it is possible to avoid the liquidated damages for early repayment after one year of normal repayment.
Therefore, the best time to transfer commercial loans to provident fund is about 1 year after commercial loans are repaid normally and the provident fund is continuously paid.