First of all, there is no lending service in Beijing's banking system at present, which makes it impossible for you to convert into provident fund loans through normal channels.

In addition, if your provident fund loan has been paid continuously for one year, and you can pay off the existing commercial loan first, but the provident fund loan needs to correspond to a real estate transaction before you can apply for the provident fund loan. But you have no real estate transaction now, and the provident fund management center will not accept it!

Suggestion: Maybe you came up with this idea because the current commercial loan interest rate is high, but this policy is only current, and it is estimated that it will be adjusted in the near future, and your interest rate will be adjusted accordingly. In addition, the money from the provident fund can be used to offset part of the monthly supply pressure. If you insist on transferring to the provident fund, there are risks.

The best way is to pay in advance as much as possible! After all, the current interest rate is really high!