This business is called commercial loans to provident fund loans. That is to say, first mortgage the loan with a commercial loan, and then convert the commercial loan into a provident fund loan when the provident fund can be loaned.

However, not all cities have this kind of business. You must find out now whether the city where you buy a house has the business of transferring commercial loans to provident fund loans. If so, yes. If not, I can only choose to continue to use commercial loans.

By the way, is the mortgage a commercial loan? Or an agreement with a real estate agent. If it is the latter, it should be no problem; If it is the former, you must ask clearly as I say.