商贷放款超5年，可转公积金贷！广州拟推房贷新政

Core Viewpoint - The Guangzhou Housing Provident Fund Management Center has proposed a draft for the implementation of converting commercial housing loans to provident fund loans, aiming to provide more flexible financing options for borrowers in the city [1][2]. Summary by Sections Implementation Measures - Borrowers can apply to convert their outstanding commercial housing loan balance to a provident fund loan when the personal housing loan ratio (individual loan ratio) is below 75%. - If the individual loan ratio reaches 85% or above, control measures may be implemented, including loan limit management and appointment applications. - When the individual loan ratio reaches 90% or above, the conversion will be suspended. The fund management center can take timely control measures based on funding and loan conditions [2]. Application Objects and Conditions - Applicants must currently contribute to the housing provident fund in Guangzhou and have not used any housing provident fund loans nationwide [3]. - The original commercial loan must be for a self-occupied housing property within the city, and the lending bank must be one that handles provident fund loans in Guangzhou [4]. - The original commercial loan must have been disbursed for at least five years, and the original bank must agree to convert it to a pure provident fund loan [5]. - The applicant must be the borrower of the original commercial loan and the property owner, with no other co-owners except for spouses and minor children [6][7]. - The property must have obtained real estate ownership certificates and must not have any other mortgage registrations or legal restrictions [8][9]. - The property must be the only housing for the applicant's family in the city, and there should be no overdue records in the past 24 months for the original commercial loan [10]. Loan Amount, Term, and Interest Rate - The loan amount for the conversion will be determined according to the current policies of the Guangzhou provident fund and cannot exceed the difference between the original commercial loan balance and the principal due in the next three months, capped at 60% of the total purchase price [10][11]. - If the converted loan amount is insufficient to fully repay the original commercial loan, the borrower must make up the difference. The loan term will be determined according to the current policies and cannot exceed the remaining term of the original commercial loan, with a total repayment period not exceeding 30 years [11]. - The interest rate for the converted loan will follow the rates published by the People's Bank of China for provident fund loans, with adjustments made annually on January 1st based on any changes in the interest rate [11].