Legal subjectivity: first of all, when a commercial loan is converted into a provident fund loan, you must have obtained the property right certificate and land certificate of the house, and the personal provident fund has been paid normally for half a year; Secondly, if the above conditions are met, you can go to the provident fund management center to get the application form, check the loan balance at the original bank, then go to the home purchase guarantee company for approval, then go to the original loan bank to return the loan, and then go to the bank designated by the provident fund management center to handle the provident fund loan procedures. The following materials shall be submitted when applying for "business to public": 1. The original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife of the borrower; 2. If you apply for "business to public" for other reasons such as divorce of husband and wife, you must provide a divorce certificate and a judgment of the people's court on the division of husband and wife's property or a notarized property division agreement, and the ownership of housing property must be clearly stated; 3. Copy of property ownership certificate; 4. To apply for "business to public", the original and photocopy of the loan contract of the original commercial bank should be provided, as well as the normal repayment record and loan balance of the borrower's commercial loan provided by the original loan bank. Commercial loans to provident fund loans, should first apply to the housing provident fund management center, after the loan approval, notify the borrower to settle the commercial loan, sign a loan contract, and go through the mortgage procedures. What are the advantages of housing provident fund loans to buy a house? 1. Provident fund loan interest rate provides the same loan amount and repayment period. Compared with commercial loans, provident fund loans can save tens of thousands of yuan in interest. Moreover, compared with commercial loans, provident fund loans not only have short repayment time, but also have much less repayment interest. Second, it is more flexible and convenient to repay provident fund loans. Third, provident fund loans have fewer restrictions on the purchased houses. Legal objectivity: Article 26 of the Regulations on the Management of Housing Provident Fund states that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.