As we all know, with the improvement of people's income level and the improvement of young people's marriage threshold, buying a house has become the urgent need of more and more people. Considering that the house is a big commodity, at least hundreds of thousands, so many families will choose to borrow money to buy a house. When it comes to buying a house with a loan, many people will face three choices, one is a commercial loan, the other is a provident fund loan, and the last is a combined loan (that is, a combination of commercial loans and provident fund loans). But for banks, they definitely want you to choose commercial loans, because the interest on commercial loans will be higher. It is for this reason that many people who have already borrowed commercial loans have such questions, that is, can commercial loans be converted into portfolio loans? Next, I will give you a cold-eyed science popularization, hoping to help friends in need.

First of all, we need to tell you clearly that commercial loans can generally be converted into portfolio loans. In fact, objectively speaking, banks do not have too many rigid requirements for loan methods. Although the interest rate of commercial loans is high, the interest rate of bank loans is actually so high if users repay in advance. In fact, from the bank's point of view, what the bank wants to do most is to recover all the money you borrowed, so that the bank will not have risks. From this perspective, banks generally do not organize customers to convert commercial loans into portfolio loans. However, if commercial loans want to be converted into portfolio loans, certain conditions need to be met. Of course, each bank has different conditions for this matter. For specific conditions and regulations, you need to consult your loan bank.

To sum up, there are more and more forms of loans now. Commercial loans can be converted into portfolio loans, but customers need to meet the conditions stipulated by the bank. As for the specific situation, it is still necessary to go to the loan bank for targeted consultation, which is subject to the bank staff's statement.