2月25日可预约！贵阳公积金“商转公”贷款开放申请

Core Viewpoint - Guiyang Housing Provident Fund Management Center is launching a "Commercial to Public" loan service, allowing eligible individuals to convert their commercial housing loans into housing provident fund loans, aimed at reducing interest expenses and repayment burdens [5]. Group 1: Application Conditions - Applicants must not have used housing provident fund loans nationwide [2][8]. - Applicants must not have previously processed a "Commercial to Public" loan at the center [2][8]. - The applicant must be the borrower of the original commercial loan and the property owner, with no other owners except for spouse and minor children [2][8]. - The original loan must be a pure commercial personal housing loan, excluding combination loans and subsidized loans, and must be from a bank that supports this service [2][8]. - The original commercial loan must have been repaid normally for at least one year with no overdue payments in the last 12 months [2][8]. - The mortgaged property must be located within Guiyang or Gui'an New Area and must have a property ownership certificate [2][8]. - There should be no other mortgages or legal restrictions on the property apart from the original commercial loan [2][9]. Group 2: Appointment Process - Applicants can register for the "Commercial to Public" loan through the "Guiyang Provident Fund" WeChat public account starting from February 25, 2026 [1][3]. - The registration process includes filling out personal information and confirming eligibility through a series of declarations [3][8]. - After successful registration, applicants will receive a queue number for processing their application [8]. Group 3: Loan Details - The loan amount is determined by the lowest value among four criteria, including the remaining balance of the original commercial loan and 70% of the property price [10]. - The loan term cannot exceed the remaining repayment period of the original commercial loan and must comply with the maximum loan term set by the housing provident fund policy [11]. - The interest rate will follow the housing provident fund loan rates published by the People's Bank of China [12]. Group 4: Fees and Regulations - No prepayment penalties or additional fees are allowed for processing the "Commercial to Public" loan [13]. - The service operates under a dynamic adjustment mechanism, meaning it may be suspended or controlled based on the liquidity risk status of the housing provident fund [14]. - Currently, 14 banks are authorized to process "Commercial to Public" loans, including major banks like China Construction Bank and Industrial and Commercial Bank of China [15].