成都目前商转公贷款条件及流程→

Group 1 - Chengdu is implementing a commercial-to-public loan policy, which allows borrowers to convert their existing commercial loans to public housing loans [1][2] - The maximum loan amount for families with two or more contributors is 1 million yuan, while for single contributors, it is 600,000 yuan [8] - The loan interest rates are set at 2.1% for loans with a term of 5 years or less, and 2.6% for loans exceeding 5 years [10] Group 2 - Borrowers must meet specific conditions, including being the sole owner of the property, having a stable income, and a good credit history [3][5] - The application process involves submitting a written loan application, followed by a review and approval process by the Chengdu Public Housing Fund Center [4][11] - The loan amount is determined based on various factors, including the remaining principal of the original commercial loan and the borrower's repayment ability [7][9] Group 3 - Borrowers can apply for the commercial-to-public loan at the original commercial loan bank if it is one of the 15 cooperating banks [12] - The policy prioritizes local contributors, limiting access for those who have made contributions in other regions [14] - Families with more than one property are not eligible for the commercial-to-public loan [15]