广州商业住房贷款转公积金贷款政策明起实施

Core Viewpoint - The implementation of the "Commercial Housing Loan to Housing Provident Fund Loan" policy in Guangzhou starting from August 21, 2025, aims to alleviate the interest burden for families with commercial housing loans, thereby supporting rigid housing demand and promoting economic development in the region [1][2]. Group 1: Policy Details - The policy allows individuals who have contributed to the housing provident fund for over 60 months, have not used the fund for loans, and have been paying commercial bank loans for over 3 years to convert their commercial loans into housing provident fund loans [1]. - The loan amount is calculated based on 70% of the lower value between the purchase price and the appraised value of the property, with the loan term not exceeding 30 years [1]. - A dynamic adjustment mechanism is established with thresholds of 75%, 85%, and 90% for individual loan rates to manage risks while ensuring the sustainability of the policy [1]. Group 2: Financial Impact - The policy provides a pathway for families with commercial loans to reduce their interest rates, exemplified by a scenario where a loan of 2 million yuan over 30 years could see a reduction in the interest rate from 3.3% to 2.6%, saving over 26 million yuan in total interest payments [2]. - The application process for converting loans is streamlined to a "one-stop service," allowing applicants to complete the process at the bank managing their original commercial loan without needing to visit the housing provident fund management center [2]. - The introduction of this policy is expected to enhance disposable income for families, stimulate social consumption, and contribute positively to the economic and social development of Guangzhou [2].