Yes, if no loan contract is signed, users can convert commercial loans into provident fund loans or portfolio loans. However, if a loan contract has been signed, it is not allowed to change the loan type for a long time, unless the user applies for a provident fund loan again after canceling the loan contract and needs to pay a fine, or it is possible for the dealer to turn public after repaying the commercial loan for a certain period of time.

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Mortgage is transferred from commercial loan to provident fund.

The specific requirements are as follows:

The Lender and its spouse are between 18 years old (inclusive) and the statutory retirement age, that is, men are under 60 years old and women are under 55 years old.

The lender and spouse have good credit and can pass the credit requirements of the provident fund center.

Lenders and their spouses have stable income and can repay on time.

There are no outstanding housing provident fund personal loans, and there are no other debts that affect the repayment ability of housing provident fund personal loans.

Agree to settle the balance of the original commercial loan in advance.

The original commercial loan has been repaid normally for 12 months or more, and the certificate of normal repayment and loan balance of the original commercial loan issued by the commercial bank that issued the loan is provided.

Have a real estate license and clear property rights.