又有一线城市落地“商转公”，广州称最快一月内办结

Core Viewpoint - The implementation of the "commercial loan to provident fund loan" policy in Guangzhou aims to lower mortgage costs, effectively releasing social consumption potential and stimulating economic growth [1][2]. Group 1: Policy Implementation - The Guangzhou Housing Provident Fund Management Center has officially implemented the "commercial loan to provident fund loan" policy, following Shenzhen as another first-tier city to adopt this measure [1]. - The policy allows individuals who have contributed to the housing provident fund for over 60 months and meet specific criteria to convert their commercial loans to provident fund loans [1]. Group 2: Loan Details - 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, which activates the "commercial loan to provident fund loan" when the personal loan ratio is below 75%, and implements control measures when it reaches 85% or above [1]. Group 3: Market Impact - The policy is expected to reduce monthly mortgage payments, alleviating financial burdens on families and improving their quality of life [2]. - The initiative is viewed as a significant policy highlight in the current real estate market, with positive feedback from the market [2]. - Since the beginning of 2023, nearly 20 cities have supported or optimized the "commercial loan to provident fund loan" policy, primarily in second and third-tier cities [2].