After buying a house with a commercial loan, can I repay it with the provident fund? Many friends did not meet the requirements of the bank when buying a house, or did not buy provident fund, and the amount and time after buying a house met the requirements. At this time, most people think that it is ok to use the provident fund to repay the previous commercial loans. The next editor explained the problem.

Buying a house with a commercial loan can be repaid with the housing provident fund or converted into a housing provident fund loan. The conditions for applying for commercial loans to transfer provident fund loans are as follows:

1. Commercial housing loans (excluding housing provident fund portfolio loans) where the applicant or spouse purchases self-operated housing within the administrative area of this Municipality and the loans have not been settled.

2. The applicant and the * * * who participated in the calculation of the provident fund loan paid the housing provident fund in full in this city for six consecutive months before the month of application, and the application was in a normal state of payment.

3. The applicant, * * and the applicant have no housing provident fund loans in this city, or both parents or the applicant who has repaid the housing provident fund loans are the same applicant, and both parents should have no housing provident fund loans in this city or have repaid the housing provident fund loans.

4, the applicant to repay part or all of the original commercial housing loan application in advance, with the consent of the original commercial housing loan bank.

5. The applicant or spouse is the right holder of the applicant to transfer the public housing loan.