海南调整“商转公”政策：新增“带押直转” 拓宽支持范围

Core Viewpoint - Hainan Province has introduced a new policy for converting commercial housing loans to public housing fund loans, expanding the support range to include second-hand and affordable housing, and introducing a "direct transfer with mortgage" model to reduce borrowing costs [1][2]. Group 1: Policy Changes - The new policy adds a "direct transfer with mortgage" model, allowing borrowers to replace their commercial loans without needing to pay off the original loan first [1][2]. - The support range for the conversion of commercial loans to public loans has been expanded from only new commercial housing to include second-hand housing and affordable housing [1]. Group 2: Loan Processing Methods - The "direct transfer with mortgage" method allows the loan amount to be directly transferred to the original commercial loan bank account after approval, with the borrower registering a second mortgage on the property [2]. - The previous method, "self-funding clearance," required borrowers to pay off the original loan first and then re-register the mortgage for the public loan [2]. Group 3: Impact on Borrowers - The policy aims to alleviate the interest burden on borrowers by facilitating easier loan transitions [2]. - A linkage mechanism between the conversion loans and individual loan rates has been established to manage liquidity risks, with monthly limits and waiting lists implemented when individual loan rates reach certain thresholds [2].