This depends on the amount of workers’ provident fund and the local provident fund loan limit.

The method of converting a commercial loan into a provident fund loan is:

1. Apply first. The premise of application must be to first repay the remaining principal of the commercial loan, and then apply for a provident fund loan. At the same time, the amount of the provident fund loan applied for shall not exceed 60% of the unpaid commercial loan principal and the total price of the purchased house at the time of application. Moreover, the provident fund that has been withdrawn in accordance with the regulations when purchasing the house must be deducted from the loan amount.

2. The way to convert a commercial loan into a provident fund loan is: first, the lender must apply to the provident fund center (you need to remind the provident fund center which bank you borrowed from, and apply for a provident fund loan to repay the loan to you) Which bank is it? After the provident fund center approves and agrees, the lender can go to the bank that provided the loan to apply for a provident fund loan. After the provident fund loan is issued, the loan entrusting bank will directly use the provided provident fund loan to recover the lender's commercial loan .