Commercial loans with a repayment period of more than one year can be transferred to provident fund loans. Commercial loans to provident fund loans also need to meet the following conditions:

1. The borrower who converts a commercial loan into a provident fund loan must be the same as the borrower of the original commercial loan.

2. The original commercial loan has been repaid normally for more than 1 year, and the overdue repayment record provided by the bank is required.

3, for commercial loans to provident fund loans must obtain the consent of the original commercial loan bank.

4, apply for housing provident fund loans, must be registered as a residential development project in the city housing reform fund center.

5. The borrower agrees that the guarantee company recognized by the municipal capital center will provide the guarantee.