Housing provident fund loans cannot be converted into commercial loans. If you buy a house, if you use a commercial loan, you can turn it into a provident fund loan, but you need to meet the preconditions: (1) mortgage to buy a house, the company didn't pay the provident fund, but now it has changed jobs, and the company pays a certain amount of housing provident fund every month. (2) I didn't know that the provident fund could be used to buy a house, so I directly applied for a commercial loan. (3) At that time, the unit also paid the provident fund, but the buyers did not meet the loan conditions of the local housing provident fund and had to apply for a commercial loan. "Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.