1. The provident fund account has been opened for 180 days, and the status is normal.

2. The loans for the first six months shall be remitted continuously and normally.

Note that the account balance is greater than or equal to six monthly payments:

Only pure commercial loans can be converted into pure provident fund loans, and loans cannot be combined. Therefore, if the amount of provident fund is not enough, the difference between commercial loans must be paid off in advance.