Yes, three conditions must be met when commercial loans are transferred to provident fund. First, the buyer has two certificates; Second, there must be no overdue repayment records during the repayment period of commercial loans; Third, it takes more than half a year for buyers to pay the provident fund.

If the above three conditions are met, the buyer can apply to the commercial bank with ID card, household registration book, marriage certificate, real estate license and land certificate, and then find the designated guarantee company to pay the relevant fees after approval. With the payment slip, letter of guarantee and deposit certificate of provident fund, the purchaser signs the contract of transferring commercial loan to provident fund at the counter of commercial bank. If the loanable amount of the provident fund is lower than the outstanding commercial loans, it is necessary to apply for commercial loans and provident fund portfolio loans.