今起开约！贵阳“商转公”贷款预约入口、流程

Core Viewpoint - Guiyang's "Commercial to Public" loan service is set to resume, allowing employees to convert their commercial housing loans into public housing fund loans, thereby reducing interest expenses and repayment burdens [14][19]. Group 1: Loan Application Process - The "Commercial to Public" loan application will be conducted through an online appointment system, with appointments opening on February 25, 2026, at 9 AM [1][12]. - Applicants must log into the "Guiyang Public Fund" WeChat official account to register for the loan appointment, providing necessary personal information and confirming eligibility [2][19]. - The process includes online appointment queuing, followed by offline processing in batches based on the appointment order [12][13]. Group 2: Eligibility and Requirements - To qualify for the "Commercial to Public" loan, applicants must meet specific criteria, including having never used public housing fund loans and having a commercial loan that has been repaid normally for at least one year [22]. - The original commercial loan must be a pure commercial housing loan, and the property must be located within Guiyang or Gui'an New Area [22]. - Required documents for application include identification, marriage certificates, original loan contracts, and proof of repayment history [23]. Group 3: Loan Details - The loan amount will be determined by the lowest value among several criteria, including the remaining balance of the original commercial loan and the maximum allowable loan amount under local policies [24]. - 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 public housing fund [25]. - The interest rate will follow the rates published by the People's Bank of China for public housing fund loans [26]. Group 4: Additional Information - There are no penalties or fees associated with early repayment of the original commercial loan when converting to a "Commercial to Public" loan [27]. - The availability of the "Commercial to Public" loan service may be subject to dynamic adjustments based on the liquidity risk management of the public housing fund [28]. - Currently, 14 banks are authorized to process "Commercial to Public" loans, including major banks such as China Construction Bank and Industrial and Commercial Bank of China [29].