广州楼市重磅！“商转公”新规征求意见

Core Viewpoint - The article discusses the implementation of a new policy in Guangzhou allowing the conversion of commercial housing loans into pure public housing fund loans, aimed at easing the financial burden on homeowners and expanding the use of housing funds [2][10]. Summary by Sections Policy Announcement - On July 2, the Guangzhou Housing Provident Fund Management Center announced a draft for public consultation regarding the conversion of commercial housing loans to public housing loans [2]. Conversion Process - The conversion, referred to as "commercial to public loan" (商转公贷款), allows contributors to apply for the transfer of their outstanding commercial housing loan balance to a public housing loan [2]. Activation Conditions - The conversion process will be activated when the public housing loan rate is below 75%. Preventive measures will be taken when the individual loan rate reaches 85% or higher, including quota control and appointment applications, and will be suspended at 90% [2]. Application Requirements - Applicants must meet eight conditions, including: 1. The original commercial loan must be for a self-occupied residence within Guangzhou [2]. 2. The original commercial loan must have been disbursed for over 5 years and approved for conversion by the original bank [3]. 3. The applicant must be the borrower and the property owner, with no other co-owners except for spouse and minor children [4]. 4. The property must have a real estate ownership certificate [5]. 5. The property must not have any other mortgage registrations or legal restrictions [6]. 6. The property must be the only residence of the applicant's family in Guangzhou [7]. 7. The original commercial loan must not have any overdue records in the past 24 months [8]. 8. The applicant must have contributed to the housing fund for at least 60 months [9]. Loan Amount and Terms - The loan amount for the conversion will be determined based on the current public housing loan policy 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]. - If the available loan amount is insufficient to cover the original loan, the borrower must supplement the funds [11]. - The loan term will align with the public housing loan policy and cannot exceed the remaining term of the original commercial loan, with a total combined term not exceeding 30 years [11]. Interest Rate - The interest rate for the converted loan will follow the public housing loan rate set by the People's Bank of China, with adjustments made annually on January 1 if there are changes in the public housing loan rate [11]. Market Context - Recent adjustments in housing provident fund policies across various regions indicate a trend towards expanding the use of housing funds, particularly benefiting first-time buyers and those seeking to upgrade their housing [11].