The method of transferring commercial loans to provident fund is as follows:

1. The original bank loan needs to be solved by itself, and the original property is mortgaged. After reapplying for a mortgage, the provident fund center will lend the money to the customer's deposit account.

2. After the deposit, another house of oneself or spouse or their immediate family members is used as collateral, and the provident fund center can make a loan, and the deposit will be refunded after the original loan is paid off. After the commercial loan is successfully transferred to the provident fund, the interest will be calculated according to the loan interest rate of the provident fund.