Legal analysis: Yes. Changzhou pure commercial loans can be converted into provident fund loans. In addition to the general provisions of provident fund loans, the applicant shall also meet the following conditions:

(1) The applicant's commercial housing loan has not been paid off;

(two) the real estate ownership certificate involved in the business-to-public loan has been completed, and the mortgage registration formalities can be handled;

(3) The applicant has a stable economic income, a good credit record, can repay the principal and interest of commercial housing loans in time, and has the ability to repay provident fund loans;

(4) Commercial-to-public loans can only be converted from pure commercial housing loans to pure provident fund loans, and loans cannot be combined before or after loans;

(5) The applicant must be the borrower of the commercial loan or his spouse or the property co-owner of the commercial loan;

Legal basis: Article 667 of the Civil Code of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest.