If the bank does not agree to convert commercial loans into provident fund loans, the following solutions can be considered:

1. Understand the specific reasons for the bank's refusal: communicate with the bank to understand why they don't agree to convert commercial loans into provident fund loans. It may be because your loan amount is too large or the financing purpose does not meet the provident fund loan policy. Knowing the reasons can better adjust the strategy.

2. Find other banks or financial institutions: If a bank does not agree to change the loan type, it can try to consult other banks or financial institutions. Different organizations may have different policies and requirements, and may have solutions that better meet your needs.

3. Consult a professional: You can consult a professional financial consultant, lawyer or real estate expert for their advice and help. They may provide some specific solutions or strategies according to your specific situation to help you realize loan conversion.

4. Re-evaluate the loan demand: If you encounter difficulties in converting commercial loans into provident fund loans, you can re-evaluate your loan demand and the use of funds. It is possible that other types of loan products are more suitable for your situation, or you can consider other financing methods.

No matter which scheme is adopted, it is recommended that you carefully study and evaluate the risks and consult professionals before making a decision. I hope the above information is helpful to you.

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