我省“商转公贷款”新增“带押直转”方式

Core Viewpoint - The new "Commercial to Public Loan" policy in Hainan introduces a "Direct Transfer with Mortgage" option, aimed at reducing borrowers' interest burdens and enhancing the accessibility and benefits of the housing provident fund system [1][2]. Group 1: Policy Changes - The "Commercial to Public Loan" will now have two processing methods: "Direct Transfer with Mortgage" and "Self-Funded Settlement" [1]. - The "Direct Transfer with Mortgage" allows loan funds to be directly transferred to the original commercial loan bank after approval, while the "Self-Funded Settlement" requires borrowers to first pay off their original loans before applying for the public loan [1]. Group 2: Loan Limits and Eligibility - The loan amount for "Commercial to Public Loan" is determined by the lowest value among four criteria: the maximum public loan limit, the remaining principal of the original commercial loan, the calculated loan amount based on repayment ability, and 60% of the housing price indicated on the VAT invoice [2]. - The policy now covers a wider range of housing purchases, including new self-occupied homes, second-hand homes, affordable housing, and relocation housing [2]. Group 3: Application Process and Funding Mechanism - Applications for "Commercial to Public Loan" can be submitted through the "Haiyi Ban" app, the Hainan government service website, or at local housing provident fund service centers [2]. - The "Commercial to Public Loan" is linked to the individual loan rate; when it reaches 95%, a monthly limit of 500 million yuan will be implemented, and when it exceeds 110%, new applications will be suspended [2].