Legal analysis: If you use a provident fund loan to repay a commercial loan, you can apply for a commercial housing commercial loan to provident fund loan:

1. Required conditions:

1. Application The individual housing provident fund account has been established for more than one year, and the housing provident fund has been paid in full and continuously on a monthly basis in the past six months.

2. The applicant has not been overdue for three consecutive periods or for a total of six periods in the process of repaying commercial loans.

2. Process:

1. Loan application. The borrower brings the loan information to the housing provident fund management department in the jurisdiction of the unit to apply for a loan.

2. Loan approval. Complete loan application materials are provided, and the center implements "three-level approval".

3. Sign the contract. After approval, the borrower signs the "Individual Housing Provident Fund Loan Contract" with the Provident Fund Center and the trustee bank.

Legal basis: "Housing Provident Fund Management Regulations"

Article 24 If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account:

(1) Purchasing, constructing, renovating or overhauling self-occupied housing;

(2) Retired or retired;

(3) Completely losing the ability to work, and Terminating the labor relationship with the employer;

(4) Leaving the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(6) The rent exceeding the household limit stipulated proportion of salary income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee’s heirs and legatees can withdraw the balance in the employee’s housing provident fund account; if there is no heir or legatee, the balance in the employee’s housing provident fund account can be withdrawn. Included in the value-added income of the housing provident fund.

Article 25 If an employee withdraws the balance in the housing provident fund account, the employer shall verify it and issue a withdrawal certificate.

If an employee withdraws the balance in the housing provident fund account, the employer shall verify it and issue a withdrawal certificate.

Article 26 Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.