Of course. In fact, the conversion to LPR only changes the pricing method of mortgage interest rate, and does not affect the conversion of commercial loans to provident fund loans in the future. As long as it meets the conditions of commercial conversion, commercial loans with loan interest rate pricing method changed to LPR can still be converted into provident fund loans. It is only important to note that after commercial individual housing loans are converted into housing provident fund loans, provident fund loans are not linked to LPR.

It is still based on the loan benchmark of the central bank, so the mortgage interest rate may change again. To handle the transfer business, it should be noted that in addition to the local housing provident fund, it is generally required to continuously deposit the provident fund 1 year or more; And the original commercial personal housing loan must be repaid on schedule for more than one year according to the repayment plan agreed in the contract.

Nature of provident fund

1, security, the establishment of employee housing provident fund system, providing a guarantee for employees to solve housing problems faster and better.

2. Mutual assistance, the establishment of the housing provident fund system can effectively establish and form a mechanism and channel for employees with housing to help employees without housing. The housing provident fund provides assistance to employees without housing in terms of funds, which reflects the mutual assistance of the housing provident fund to employees.

3. In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the date of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.

Refer to the above? Baidu encyclopedia-accumulation fund