Can be operated and implemented. First of all, the credit record is a dynamic record, and there are no bad debts under the personal name, which can eliminate bad records.

Commercial loans to provident fund loans meet the basic conditions can apply for lending:

1, which meets the application conditions for local housing provident fund loans;

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

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

4, the original commercial housing loan repayment for more than one year (inclusive), 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.