《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。 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。 "要跳出房地产的视角看待此类政策，该政策通过降低房贷成本，有效释放社会消费潜力。购房者节省 下的资金可用于其他消费领域，从而刺激内需增长、促进经济循环，是提振内需的一项重要政策。"他 说。 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。 （文章来源：第一财经） 同时，《办法》还设置了动态调节机制，即当个贷率低于75% ...

为进一步发挥住房公积金支持保障基本住房刚性需求的作用，切实减轻购房家庭住房贷款利息 负担，降低购房成本，释放社会消费潜力，提振消费信心，增强群众获得感，广州市于2025年 8月21日开始实施《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）》 申请"商转公"只需"一站式办理"，申请人在原商贷的住房公积金贷款受托银行就可完成申请， 无需到住房公积金管理中心办理。 "商转公"政策的出台，拓宽了住房公积金受益范围，助力刚性住房需求，切实减少缴存人家庭 偿还自住住房的贷款利息支出，对增加可支配收入，释放社会消费潜力，助力广州经济社会发 展具有积极作用。 这既是对民生需求的回应，也是激活市场的积极举措，将进一步减轻缴存人的购房负担，助力 更多家庭实现安居梦想。 来源丨 南方日报 编辑丨江佩 佩 实习生林芷仪 楼市重要信号，多地已出手 楼市，一个重大信号 SFC 21君荐读 2 智能 悦 读 · 权 威 . o n 扫码点击下载 （以下简称《办法》）。 《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 前在广州唯一住房且已在商业银行支付贷款3年以上的，并满足其他办理条件的 ...

Core Viewpoint - The expansion of the "commercial to public" (商转公) loan policy aims to alleviate the financial burden on homebuyers by allowing them to convert commercial housing loans into housing provident fund loans, thus reducing interest costs and promoting social consumption [1][2]. Group 1: Policy Implementation and Impact - The "商转公" policy has been implemented in multiple cities, with significant benefits reported. For instance, in Zhengzhou, as of July 9, 2023, the housing provident fund management center issued a total of 16.872 billion yuan in "商转公" loans, benefiting 27,893 families, resulting in an estimated interest savings of approximately 1.4 billion yuan for applicants [1]. - The policy is seen as a crucial tool for local governments to support housing consumption, especially as the focus shifts towards promoting consumer spending and reducing costs in the housing sector [1]. Group 2: Policy Optimization and Expansion - Recent optimizations to the "商转公" policy have been made to simplify the application process. For example, Zhengzhou reduced the required documentation for the "先还再贷" model from 10 items to just one ID card, and for the "直还" model from 11 items to 3 [2]. - Other cities, such as Shenyang, have expanded the eligibility criteria for the "商转公" loans to include flexible employment contributors, out-of-town contributors, and active military personnel, allowing them to convert commercial loans that have been repaid for at least five years [2]. Group 3: Future Prospects - The "商转公" business is expected to expand to more regions, with several areas planning to issue related documents to facilitate its implementation. For instance, Guangzhou is seeking public opinion on its implementation measures, which include conditions for initiating the "商转公" loans [3]. - The Hainan Provincial Housing Provident Fund Management Bureau is also in the process of drafting its management measures for converting commercial loans to public loans, indicating a broader trend towards supporting this policy [3].

Core Viewpoint - Guangzhou is implementing a policy to convert commercial housing loans to housing provident fund loans to alleviate the interest burden on contributors and promote social consumption [1][2]. Group 1: Policy Implementation - The policy will be activated when the individual housing loan rate (individual loan rate) falls below 75% [1][2]. - If the individual loan rate reaches 85% or above, control measures will be implemented, including loan quota management and appointment applications [2]. - When the individual loan rate reaches 90% or above, the conversion of commercial loans to provident fund loans will be suspended [2]. Group 2: Eligibility and Conditions - Borrowers must currently contribute to the housing provident fund in Guangzhou and have not used provident fund loans nationwide [4]. - Eight conditions must be met for applying for the conversion, including the requirement that the original commercial loan must be for a self-occupied property in Guangzhou and must have been disbursed for over five years [5][6][7][8][9]. Group 3: 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 60% of the total purchase price [11]. - If the available loan amount is insufficient to repay the original commercial loan, the borrower must supplement the funds [12]. - The loan term will not exceed the remaining term of the original commercial loan, and the total duration of both loans combined cannot exceed 30 years [12]. The interest rate will follow the rates published by the People's Bank of China [12].

Core Viewpoint - The Guangzhou Housing Provident Fund Management Center has proposed a draft regulation allowing the conversion of commercial housing loans into pure provident fund loans, aimed at easing the financial burden on borrowers and expanding the use of housing provident funds [1][6]. Summary by Sections Implementation of the Regulation - The draft regulation outlines the process for converting outstanding commercial housing loans into housing provident fund loans, referred to as "commercial-to-provident fund loans" [1]. - The conversion will be initiated when the housing provident fund loan rate is below 75%, with preventive measures in place if the individual loan rate reaches 85% or higher, and a suspension of conversions if it reaches 90% or above [1][6]. Application Conditions - Applicants must meet eight specific conditions, including: 1. The original commercial loan must be for a self-occupied property within Guangzhou [2]. 2. The original commercial loan must have been disbursed for at least five years and have the lender's consent for conversion [2]. 3. The applicant must be the borrower and the sole owner of the property [2][3]. 4. The property must have a real estate ownership certificate [3]. 5. The property must not have any additional mortgage registrations or legal restrictions [3][4]. 6. The property must be the only residence of the applicant's family in Guangzhou [4]. 7. The original commercial loan must not have any overdue records in the past 24 months [4]. 8. The applicant must have contributed to the housing provident fund for at least 60 months [5]. Loan Amount and Terms - The loan amount for the conversion will be determined based on the current housing provident fund loan policies and cannot exceed the lesser of the original commercial loan balance and 60% of the total purchase price [5][6]. - If the available loan amount is insufficient to cover the original loan's principal and interest, the borrower must supplement the funds [6]. - The loan term for the converted loan will align with the original commercial loan's remaining term, with a combined maximum of 30 years for both loans [6]. Interest Rates - The interest rate for the converted loan will follow the rates published by the People's Bank of China for housing provident fund loans, with adjustments made annually based on changes in the rate [6]. Market Context - Recent adjustments in housing provident fund policies across various regions indicate a trend towards broadening the use of these funds, particularly benefiting first-time homebuyers and those seeking to upgrade their housing [6].

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].

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].

Core Viewpoint - Guangzhou plans to ease the burden of home loans by allowing the conversion of personal housing commercial loans to provident fund loans, as outlined in the draft implementation measures released by the Guangzhou Housing Provident Fund Management Center [2][3]. Group 1: Eligibility and Conditions - Applicants for converting commercial loans to provident fund loans must meet specific criteria, including having contributed to the housing provident fund for at least 60 months, owning a single property in Guangzhou with a property certificate, and having a pure commercial loan that has been disbursed for at least 5 years without any overdue payments in the last 24 months [2]. - The property must not have any legal restrictions such as seizure or residence rights [2]. Group 2: Loan Amount and Terms - The loan amount for the conversion must comply with the regulations for personal provident fund loans in Guangzhou 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 [2]. - The loan term for the converted loan cannot exceed the remaining term of the original commercial loan, and the total repayment period must not exceed 30 years [2]. Group 3: Interest Rates and Dynamic Adjustments - The interest rate for the converted provident fund loan will follow the rates published by the People's Bank of China for provident fund loans, with adjustments made annually on January 1 [3]. - The monthly quota for converted loans will be dynamically adjusted based on the personal housing loan ratio, with specific thresholds for increasing or decreasing the loan issuance [3]. Group 4: Market Context - Over 30 cities in China, including Chongqing and Harbin, have implemented similar "commercial to provident fund" loan policies, benefiting citizens by reducing monthly payment burdens and potentially increasing consumer spending in other areas [4].