1, cannot be converted to each other. Commercial loan and reserve loan are two different loan subjects. There is no conversion between the two. If you want a provident fund loan, you can only pay off the commercial loan first and then handle it according to the conditions of the provident fund loan.

2. If you repay the commercial loan, you can use the first house for provident fund loan. However, the provident fund must be paid normally. The maximum loan amount is 70% of the appraised value of your house. The maximum loan amount can not exceed 200,000 for single employees and 300,000 for dual employees, and the normal provident fund is paid. If the appraised price of your house is 500,000, you can borrow 350,000 in proportion, but if you are a single employee (unmarried), you can only borrow 200,000, and double employees can borrow 300,000.

If it is a fund-raising house in the southern civil servant community, you can go to the west side of the second floor of the Municipal Real Estate Bureau, and there is a real estate guarantee company for consultation. The cost is not high, but it is very labor-saving.