Core Points - From August 20, 2025, individuals will be able to convert personal housing commercial loans issued before December 31, 2021, into housing provident fund loans [1] Group 1 - The Hefei Housing Provident Fund Management Center announced the relaxation of the "commercial to provident fund" loan conversion policy [1] - As of the end of July 2025, the individual loan rate in the city (including provincial branches) is 86.73%, with the city center at 90.64% [1] - The decision to allow the conversion is based on the current funding situation and the acceptance of "commercial to provident fund" loan applications [1]