广州楼市大消息！拟实施“商转公贷款”政策

Core Viewpoint - The Guangzhou Housing Provident Fund Management Center has proposed a policy to allow the conversion of commercial housing loans to housing provident fund loans, aiming to reduce costs and promote consumption [1][3][12]. Group 1: Policy Implementation - The proposed policy allows for the conversion of commercial loans to housing provident fund loans when the personal housing loan rate is below 75% [1][4]. - Only pure commercial loans for self-occupied and sole housing can qualify for this conversion, and the original commercial loan must have been disbursed for over five years [2][5]. - The policy aims to alleviate the interest burden on contributors and stimulate social consumption [4][12]. Group 2: Application Conditions - Applicants must be contributors to the housing provident fund in Guangzhou and have not used housing provident fund loans elsewhere [4][10]. - The original commercial loan must be for a self-occupied property within the city, and the loan must be with a bank that handles housing provident fund loans [5][6]. - The property must have a real estate ownership certificate, and there should be no other mortgage registrations or legal restrictions on the property [7][8]. Group 3: Loan Details - The loan amount for the conversion will be determined based on the current housing provident fund loan policies and cannot exceed 60% of the total purchase price [10][11]. - If the converted loan amount is insufficient to cover the original commercial loan, the borrower must make up the difference [11]. - The loan term will be aligned with the original commercial loan's remaining term, not exceeding a total of 30 years [11]. Group 4: Market Implications - The policy reflects a shift in housing policy from traditional stimulus measures to promoting consumption and reducing costs, particularly benefiting young buyers and new residents [12][13]. - The recent national meeting emphasized the need for stronger measures to stabilize the real estate market, indicating a proactive approach to market recovery [12][13].