If citizens want to turn their commercial housing loans into provident fund loans, there are many requirements. The main conditions are as follows:

The sub-lender has a stable economic income and the ability to repay the loan principal and interest on time; The credit of the sub-lender and its spouse is good, and it meets the credit review standard of the personal housing provident fund loan of the management center; The original commercial loan has been repaid normally for 6 months or more; There are no outstanding provident fund loans; The house purchased by the original commercial loan has been handled with real estate license and state-owned land use certificate.