1. The applicant has paid the housing provident fund when handling the original commercial loan. In line with the relevant provisions of Xi housing provident fund loans, the original commercial loans can be settled in advance;
2. The applicant has full capacity for civil conduct, a stable occupation and income, and the ability to repay the principal and interest of the loan;
3. The applicant should be one of the buyers of the original commercial loan house. If the purchaser of the original commercial loan house is a parent, a child or a co-purchaser, the application for "business-to-public" loan will not be accepted;
4. The applicant and spouse have no outstanding provident fund loans and no other debts that affect the repayment ability of provident fund loans.
Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.
In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.