Compared with commercial loans, the interest rate of provident fund loans can be said to be infinitely low, so even if you apply for a commercial loan when you buy a house, once you meet the conditions for provident fund loans, everyone will choose to switch from commercial loans to provident fund loans. What are the conditions for switching from commercial loans to provident fund loans? Let's keep reading. Generally speaking, employees who normally pay housing provident fund, who have good personal credit, stable job and income, have applied for housing commercial loans and can repay the loan principal and interest on time, can apply for transferring to provident fund loans. The specific conditions for transferring commercial loans to provident fund loans are as follows: 1. Pay the housing accumulation fund normally in the local area; 2. The loan business only accepts the application of the borrower or spouse of the original housing loan; 3. The applicant needs to confirm to the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next transfer to provident fund loan business; 4. The applicant must guarantee to repay the original commercial housing purchase loan for more than 1 year (inclusive), with a good credit record and no overdue behavior; 5. When the applicant handles the transfer, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before; 6. The amount of business-to-public loans applied for should be within the maximum loan amount of housing provident fund loans announced by the local housing provident fund management committee and the balance of the original commercial housing loans before it can be accepted. The loan interest rate of enterprises to the public is implemented according to the current housing provident fund loan interest rate.