新华财经广州8月26日电（记者吕光一）近日，广州出台政策支持个人住房商业贷款转为公积金贷款， 即"商转公"，引发广泛关注。自2023年以来，已陆续有数十城支持、优化房贷"商转公"，并逐渐从二三 线城市覆盖到一线城市。 减轻房贷压力 谈及越来越多城市落地"商转公"的主要原因，广东省城乡规划院住房政策研究中心首席研究员李宇嘉 说："一是公积金资金沉淀，地方想用这笔低成本资金作为激活楼市消费的工具；二是楼市需求主要以 刚需、刚改为主，居民现在对购房成本比较敏感，'商转公'能降低月供。" 从贷款的利率水平对比来看，尽管商贷利率多次下调，公积金贷款的成本优势依然显著，"商转公"政策 可切实降低部分购房人的负债压力。据珠海市住房公积金管理中心测算，目前该市商贷利率（3%）明 显高于公积金贷款利率（2.6%），公积金贷款仍然可以为购房职工省下一笔不小开支。以100万元30年 期贷款为例，转贷后利息差额达7.7万元。 对于各地设置的"商转公"申请条件，李宇嘉认为，地方一方面是担心转的太多，公积金池子水位下降太 快，影响公积金其他业务，比如提取、租房、装修等；另一方面也要维护商业贷款存量规模，不要下滑 得太快。 多数城市的"商 ...

作者 | 第一财经 安卓 8月21日，广州住房公积金管理中心发布的《广州商业性个人住房贷款转住房公积金个人住房贷款实 施办法（暂行）的通知》（下称《办法》）正式开始实施。这也是继深圳之后，又一个加入"商转 公"行列的一线城市。 《办法》规定，在广州市开户缴纳住房公积金满60个月及以上，没有使用过住房公积金贷款，目前 在广州有唯一住房且已在商业银行支付贷款3年以上，并满足其他办理条件的，可以与原商业银行协 商办理"商转公"。 《办法》提出，可贷额度根据房屋购买价格与评估价两者中较低者的70%计算，结合商贷余额等综 合因素确定；可贷款期限根据原商业贷款剩余期限及与商贷已还年限合计不超过30年等确定。经审 批通过后的贷款利率，执行住房公积金贷款利率。 2025.08. 21 本文字数：1027，阅读时长大约2分钟 据悉，自2023年开始部分城市松绑"商转公"政策限制以来，截至目前，已有近20个城市支持或优化 该政策，大多数为二三线城市。 微信编辑 | 苏小 第 一 财 经 持 续 追 踪 财 经 热 点 。 若 您 掌 握 公 司 动 态 、 行 业 趋 势 、 金 融 事 件 等 有 价 值 的 线 索 ， 欢 ...

Core Viewpoint - The recent "commercial to public" (商转公) policies introduced in cities like Guangzhou and Shenyang aim to alleviate the financial burden on homebuyers by allowing them to convert existing commercial loans into lower-interest public housing loans, thereby enhancing market confidence and consumer capacity [1][2][3]. Group 1: Policy Implementation - Since 2025, nearly 20 cities, including Guangzhou and Shenyang, have announced or optimized supportive policies for "commercial to public" loan conversions [1]. - Guangzhou's proposed policy specifies that the conversion will be initiated when the housing provident fund loan rate is below 75%, allowing borrowers to switch from commercial loans with rates around 3.2% to public loans at 2.6%, resulting in reduced monthly payments and total interest [2]. - The policy details include that the loan amount for the conversion cannot exceed 60% of the total housing price and must be the only property owned by the applicant in the city [2]. Group 2: Market Impact - The introduction of "commercial to public" policies is seen as a response to declining housing market activity, with second-hand home transactions in Guangzhou dropping below 10,000 units and new home sales also declining [3]. - The policy is expected to stabilize market expectations and encourage housing consumption, particularly among young buyers and new residents who previously faced restrictions on using public loans [3][4]. Group 3: Broader Trends - Other cities have also optimized their "commercial to public" policies, such as Shenyang, which has removed certain restrictions on loan applications, thereby broadening the eligibility for more borrowers [4]. - The simplification of the application process and the introduction of direct conversion models are aimed at enhancing operational convenience for borrowers [4][5]. - Industry experts suggest that the ongoing optimization of these policies reflects a more pragmatic approach to housing loan regulations, potentially leading to wider adoption across more cities [6].