1. Application for loan type change: To change a commercial loan into a provident fund loan, you need to apply to the loan bank and submit relevant materials, including provident fund account information, personal identity certificate, repayment ability certificate, etc. The bank will review the applicant's credit status and loan ability, and finally decide whether to agree to convert to provident fund loans.

2. Re-signing the loan contract: Some banks will require the applicant to re-sign the loan contract, void the original commercial loan contract, and then sign a new provident fund loan contract. When signing a new contract, you need to follow the relevant procedures and conditions.

When transferring commercial loans to provident fund loans, you should pay attention to the following points:

First of all, ensure sufficient economic strength and the ability to repay on time. The repayment method of provident fund loans is different from commercial loans, and it is generally monthly repayment, so it is necessary to ensure that there are enough funds to repay the loans every month.

Secondly, understand the interest rate and repayment method of provident fund loans. The interest rate of provident fund loans is generally low, but the repayment method is relatively fixed, which may require repayment according to the standards stipulated by the provident fund.

In addition, pay attention to the preparation and submission of loan application materials to ensure that the materials provided are complete and accurate. At the same time, it is necessary to understand the bank's approval standards and procedures for provident fund loans in order to successfully handle loan conversion.

Finally, you need to pay attention to your credit information. You can use "Xiaoqi Credit Information" to inquire about credit information, and learn important data information such as personal credit status, network black index score, blacklist, online loan application record, application platform type, overdue amount, estimated credit line of credit card and online loan, which can help you better understand your credit status and prepare for lending.