1. The local housing provident fund has been paid in full and on time for six months or more, and the current provident fund account is in a normal state of payment, and no provident fund loans have been incurred or settled.
2. Only accept the application of the original commercial loan borrower or spouse.
3. The original commercial loan has been repaid for more than one year (inclusive), with a good credit record and no overdue behavior.
4. The house has obtained the house ownership certificate issued by the local housing management department.
5. The amount of application for transferring commercial loans to provident fund loans is within the maximum amount of provident fund loans stipulated by the local provident fund management center and the balance of original commercial loans.
Eligible borrowers can apply to the local provident fund management center with their ID card, local household registration book or temporary residence permit, house ownership certificate, commercial loan contract, detailed repayment record of original commercial loan issued by the bank, original commercial loan balance and remaining term certificate as of the date of applying for transfer to provident fund loan, and house mortgage certificate (mortgage certificate of forward house or other house ownership certificate).
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Extended data:
Can the husband and wife provident fund be loaned separately?
The husband and wife's provident fund cannot be loaned separately.
Because the provident fund loan is a family-based loan, a principal loan and a participant loan, when the application for provident fund loan is approved, the loan issuance is based on the income of both husband and wife as the basis for measuring the repayment ability. Therefore, if either husband or wife uses provident fund loans, they can't apply for provident fund loans again if the other party hasn't paid them off, otherwise it will affect the family's repayment ability.
Of course, if the amount of husband and wife provident fund loans is high enough, you can also apply for a second provident fund loan in the name of husband and wife within the amount, subject to the approval of the provident fund.