As per the question, provident fund loans do not need to be transferred to LPR. To be precise, provident fund loans do not involve the current LPR.
Currently, only commercial loans that meet the conditions can choose to convert to LPR or fixed interest rate, and provident fund loans will still be executed according to the original contract.
Even if the housing loan is a combination loan, the provident fund loan part does not need to be transferred to LPR.