Yes, generally we call this situation "business versus business", which will save a lot of money. However, if commercial loans want to be converted into provident fund loans, they need to meet the relevant conditions. The specific process is as follows:

1. Applicants need to prepare the deposit certificate of housing provident fund, ID card, household registration book, proof of marital status, proof of economic income, the original commercial loan commercial housing sales contract, and the original loan contract and mortgage contract signed with the original bank, and need to prepare a conversion application form and apply to the original commercial bank.

2, the original loan bank will evaluate all the information, after verification, report to the municipal capital center for approval.

3. After the approval of the municipal capital center, the original loan bank signs the provident fund loan contract and mortgage contract with the applicant, and also needs to sign a guarantee contract with the guarantee company.

4. After completion, the loan funds will be allocated by the municipal capital center, and then the loan bank will issue provident fund loans and settle the original commercial loans, and then notify the applicant.

However, different places have different requirements for commercial loans to provident fund loans and need specific consultation.