Yes, you can. \x0d\ When a commercial loan is converted into a provident fund loan, the borrower shall meet the following seven conditions at the same time: \x0d\ Meet the application conditions for housing provident fund loan in this city; \x0d\ The borrower must be the borrower or spouse of the original housing loan (the buyer is required); \x0d\ The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance; \x0d\ The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance; \x0d\ The purchased property has obtained the property ownership certificate issued by the local real estate registration department, and it has a steel-concrete structure; \x0d\ Commercial loans that can be mortgaged for the purchased property can be converted into provident fund loans; \x0d\ Did not apply for housing provident fund loans.