肇庆酝酿“商转公”！征求意见中……

Core Viewpoint - Zhaoqing plans to implement a "Commercial to Public" loan program, allowing individuals with existing commercial loans to convert them into public housing fund loans or a combination of both [1][4]. Group 1: Loan Guidelines - The "Commercial to Public" loan includes full conversion of commercial loans to public fund loans and a combination of commercial and public fund loans [4]. - The program is based on regulations such as the Housing Provident Fund Management Regulations and local management methods [3]. Group 2: Eligibility Criteria - Eligible applicants must be employees who have made contributions to the housing provident fund and have existing commercial loans for purchasing residential properties [3][5]. - Additional conditions include having made normal repayments for at least 12 months, obtaining property ownership certificates, and having no other encumbrances on the property [6]. Group 3: Application Process - The application process requires the original commercial loan bank's consent and submission of various documents, including identity verification and loan agreements [8][15]. - The loan amount is determined based on the current balance of the commercial loan minus three months of repayment amounts [9]. Group 4: Loan Terms - The minimum loan term is one year, and the maximum is 30 years, with specific age restrictions for borrowers [10][11]. - Interest rates for public fund loans vary based on the duration and whether it is the first or second home [13]. Group 5: Special Considerations - Properties purchased under the "Commercial to Public" program do not count towards the family housing count for loan eligibility [12]. - The program includes specific provisions for families with multiple properties or previous loan records [14].