Can be converted into provident fund loan. But not all cities support it. For example, Shanghai, Guangzhou, Tianjin, and Chengdu cannot apply for converting commercial loans to provident fund loans, but Nanjing, Wuhan, and Shenzhen can apply for it. According to the relevant policies and regulations of my country's provident fund, citizens who want to apply for business-to-public loans should meet the following six conditions. 1. Pay the local housing provident fund normally. 2. The refinancing business only accepts applications from the borrower or spouse of the original housing loan. 3. The applicant needs to confirm with the bank that his home purchase loan has not yet been settled, and at the same time submit an application to the bank to settle the loan in advance. Once the bank agrees, the next business can be handled. 4. The applicant must ensure that the original commercial home purchase loan repayment is more than one year (inclusive), and that the credit record is good and there is no overdue behavior. 5. When applying for a business-to-public transfer, ensure that the property purchased has obtained a house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before. 6. The amount of the commercial-to-public loan applied for should be within the maximum loan amount of the housing provident fund loan announced by the local housing provident fund management committee and the balance of the original commercial home purchase loan before it can be accepted. The loan interest rate for commercial-to-public transfers is based on the current loan interest rate of the city's housing provident fund.