1. The applicant needs to pay the provident fund for employees and pay the provident fund for a certain period continuously, usually 6 months or 12 months;

2. There are no outstanding provident fund loans under the names of the applicant and spouse;

3. Commercial loans have been repaid normally for a certain period of time, generally more than one year, with a good credit record and no overdue records;

4. The applicant must have a stable source of income and the ability to repay the loan principal and interest;

5. Commercial loan properties need to meet the evaluation requirements of the provident fund center, and real estate assessment is usually needed;

6. The applicant shall provide relevant certification materials, such as identity certificate, marital status certificate, income certificate, commercial loan contract, etc.

7. The applicant shall complete the prepayment of the commercial loan within the specified time and obtain the settlement certificate issued by the bank;

8. The applicant shall submit the loan application to the provident fund center within the specified time and complete the relevant procedures as required.

Extended data:

The policy of transferring commercial loans to provident fund loans may vary from region to region, and the specific conditions and procedures need to be consulted with the local provident fund management center. At the same time, the conversion of commercial loans into provident fund loans involves a large amount. Applicants should carefully understand the relevant policies and risks before handling, and consult professionals if necessary.