Provident fund loans generally refer to loans provided through provident fund management centers, while commercial loans refer to loans provided through commercial banks or other financial institutions. Although provident fund loans can be changed into commercial loans in some cases, certain conditions need to be met and approved by relevant institutions.

If you want to change the provident fund loan into a commercial loan, you can first understand the following points:

1. Consult the provident fund management center: First of all, you need to consult the local provident fund management center to find out whether they allow provident fund loans to be converted into commercial loans and understand the specific processing procedures and requirements.

2. Review the credit status: Whether it is a provident fund loan or a commercial loan, the credit status is an important consideration. Before applying for a loan, you can check your credit status on a credit inquiry platform like Xiaoqi Credit Information. If the credit score is low or there are many credit stains, it is suggested to wait for a period of time and improve your credit through some credit repair measures to increase the success rate of loan approval.

3. Meet the requirements of commercial loans: If you intend to change provident fund loans into commercial loans, you need to meet the requirements of commercial loans, including but not limited to: having a stable source of income, having sufficient repayment ability, providing sufficient mortgage guarantee, etc.

4. Procedures: Once it is confirmed that provident fund loans can be converted into commercial loans, you need to contact relevant financial institutions to understand the specific procedures. The information to be provided may include personal identity certificate, income certificate, property certificate, repayment ability certificate, etc. After providing relevant materials according to specific requirements, the bank will evaluate and approve your application.

To sum up, if you want to change the provident fund loan into a commercial loan, it is recommended to consult the provident fund management center first to understand the specific procedures and conditions. At the same time, you also need to review your credit status to ensure that you meet the requirements of commercial loans. Appropriate information needs to be provided when going through the formalities, and whether it can be successfully converted into a commercial loan needs the approval of the bank.