多地支持“商转公”，你的房贷降了吗？

Core Viewpoint - The "commercial to public" (商转公) policy is being implemented in various cities, including Guangzhou, to alleviate the financial burden on homebuyers by allowing them to convert high-interest commercial loans into lower-interest public housing fund loans [1][2]. Group 1: Policy Implementation - The "commercial to public" policy aims to reduce the monthly mortgage payments for homebuyers, with estimates showing that converting a 1 million yuan commercial loan to a public housing fund loan can save approximately 198 yuan per month, totaling about 2,376 yuan annually and over 47,000 yuan over 20 years [1]. - Cities like Shenzhen, Chongqing, Wuhan, and Hefei are also actively promoting the "commercial to public" policy this year [1]. Group 2: Market Context - The current housing market shows a significant increase in the proportion of low-priced second-hand housing transactions, indicating a shift towards housing consumption characteristics [1]. - In Guangzhou, first-time homebuyers dominate the market, but they often face financial constraints, making them sensitive to both purchase thresholds and mortgage payments [1]. Group 3: Eligibility and Conditions - Each city has specific conditions for applying for the "commercial to public" policy. For instance, Guangzhou requires that the housing provident fund loan ratio be below 75% to initiate the policy, with stricter controls as the ratio increases [2]. - In Guangzhou, applicants must meet several criteria, including having a commercial loan that has been disbursed for over five years and no overdue payments in the past 24 months [2].