Commercial loans to provident fund loans need to be applied to banks and local provident fund centers, because lenders need to settle commercial loans before commercial loans are transferred to public, so they need to apply to banks. Then, before paying off the commercial loan, you need to apply to the local provident fund center for conversion and follow the prompts of the provident fund center.

Commercial loans do not apply for loan prepayment, and it is generally impossible to go to the applicant for public transfer. The provident fund center also needs to review the qualifications of lenders, and the qualifications of lenders need to meet the requirements of provident fund loans.

In addition, when applicants transfer to the public sector, they need to turn all of them into provident fund loans, not just part of them. Therefore, when the applicant is eager to change, the lender must ensure that he can apply for enough provident fund loans, so as to ensure the success of the business.

When an enterprise is transformed into a public company, the lender needs to prepare enough funds in advance, because the commercial loan must be paid off first. If the economy is under pressure, it may cost a little money to ask the bridge fund for help.

Commercial loans can be transferred to provident fund, but the following conditions need to be met:

1. The continuous repayment of personal commercial loans exceeds 1 year.

2. The individual provident fund has been continuously deposited for more than 1 year.

3. Houses that are transferred to provident fund loans are required to have been registered in the local currency center and have formal residential development projects.

4. Individuals need to obtain the consent of the original commercial loan bank to convert commercial loans into provident fund loans.

Due to the different conditions in different regions, users need to consult clearly in advance before deciding whether to apply for commercial loans and provident fund loans.