1. When the borrower applies for a loan at the place where the provident fund loan is applied, the provident fund is in a normal deposit state;

2, the applicant or * * * and the applicant's unit in accordance with the provisions for the borrower to pay housing provident fund for more than a month;

3. The applicant has a stable economic income and the ability to repay the loan;

4. The applicant agrees to provide the approved loan guarantee method;

5. The applicant and * * * together with the applicant, including the spouse, have no outstanding loans or other debts except the loan transferred to the provident fund.

There are many conditions for commercial loans to be converted into provident fund loans. The policies of each city vary due to geographical restrictions, but generally meet the following requirements.

1, which meets the requirements of local provident fund loans. This is the first premise. Since it is to be converted into a provident fund loan, it must also meet some requirements for provident fund loans. These requirements also vary from city to city, depending on the rules and regulations of relevant local departments.

2. The unit that needs to issue commercial loans agrees. Generally speaking, commercial loans are issued by banks. If you want to convert it into a provident fund loan, it means that the interest charged by the bank will be reduced, so you need to communicate with them and ask them to cooperate.

3. The purchased property has obtained the title certificate. If you want to convert a commercial loan into a provident fund loan, then you need to issue the property certificate of the house you bought, which is also essential because you need it as a mortgage.

"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.