差额10多万！计划买房必看！深圳公积金贷款和商贷的区别！

Core Viewpoint - The recent announcement from the Bank of China regarding the Loan Prime Rate (LPR) indicates that the rates remain unchanged, prompting an exploration of the differences between commercial loans and public housing loans in China [1][2]. Commercial Loan Rates - The 1-year LPR is set at 3.0%, while the LPR for loans over 5 years is 3.5%, effective until the next announcement [2]. Public Housing Loan Rates - For first-time homebuyers, the interest rates are 2.1% for loans under 5 years and 2.6% for loans over 5 years. For second homes, the rates are 2.525% for loans under 5 years and 3.075% for loans over 5 years [3]. Interest Cost Comparison - A hypothetical loan of 1 million yuan over 30 years at a 3.5% commercial loan rate results in approximately 616,000 yuan in interest payments. In contrast, a public housing loan at 2.6% would incur about 441,000 yuan in interest. A combination of 500,000 yuan in public housing loan and 500,000 yuan in commercial loan would lead to around 528,000 yuan in interest [5]. Public Housing Loan Application Conditions - Applicants must be employed in Shenzhen and have contributed to the public housing fund for at least 6 months, or be self-employed with contributions for at least 12 months [6]. - Co-applicants must also meet the same conditions [7]. Purchase Requirements - Applicants must provide a valid purchase contract and comply with Shenzhen's housing purchase policies. The minimum down payment is 20% for both first and second homes, with a 15% requirement for affordable housing [7]. Loan Repayment Capacity - Monthly repayments should not exceed 50% of the applicant's public housing fund contribution base [8]. Loan Duration and Limits - The maximum loan term is 30 years, and the loan amount is calculated as 16 times the balance of the public housing fund account [9]. Transfer from Commercial to Public Loan - Conditions for transferring from a commercial loan to a public loan include prior approval from the original commercial loan bank and no overdue payments in the last 6 months [17]. Required Documentation for Transfer - Necessary documents include the public housing loan application form, identification, marriage status proof, purchase contract, and original commercial loan documents [18][19]. Processing Method for Transfer - If the original commercial loan bank is a designated public housing loan bank, the applicant can process the transfer without settling the original loan first [20].