北海加大政策力度、降低购房成本，市场信心回暖

Core Viewpoint - The article highlights the implementation of the "Commercial to Public" loan policy in Beihai, aimed at alleviating the financial burden on homeowners and stimulating the local real estate market recovery through targeted actions and support measures [1][5]. Group 1: Policy Implementation - The Beihai Municipal Housing Provident Fund Management Committee launched the "Commercial to Public" loan program on August 26, 2025, allowing homeowners with existing commercial loans to convert them to lower-interest public loans [2][5]. - The program is designed for employees who meet the criteria for public loans, significantly reducing their loan interest rates compared to commercial loans [2][5]. Group 2: Impact on Homeowners - An example is provided of a homeowner, Wang Meng, who benefited from the new policy, reducing his loan interest rate from 3.2% to 2.1%, saving over 30,000 yuan in total interest payments and shortening his repayment period from 8 years to 5 years [5]. - The introduction of this policy is seen as a crucial step in the recovery of the real estate sector, providing financial relief to many families and fostering renewed optimism about their future [5]. Group 3: Real Estate Market Recovery - The Beihai government has been actively promoting real estate recovery through various initiatives, including support for housing consumption and enterprise financing, resulting in a 3.27% year-on-year increase in commercial housing sales from January to November 2025 [8]. - By the end of December 2025, the city processed over 365 "Commercial to Public" loan applications, amounting to 115 million yuan, further easing the financial burden on employees and enhancing consumer spending potential [5][8].