最近，广州提振楼市政策又放大招，"商转公"政策即将落地。今年以来， 深圳、重庆、武 汉、合肥 等多个城市和地区，都在紧锣密鼓地推进"商转公"。 什么是"商转公"呢？简单说就是——高利率商业贷款可以换成利率较低的公积金贷款！核心在 于减轻购房者房贷压力。据测算，100万元商业贷款转为住房公积金贷款后，每月可减少约198 元月供，一年可节省约2376元，20年累计可节省4.7万多！ 那么，哪些人可以办理贷款"商转公"？ 从广州的情况来看，它设定了相当明确的条件。这其 中包括，申请商转公贷款时，原商业贷款已放款5年以上，而且已获得原商业贷款银行同意转 为纯公积金贷款；贷款房屋是产权人家庭在广州市的唯一住房；原商业贷款在申请前24个月内 没有逾期记录，以及在广州市开户并累计缴存住房公积金满60个月及以上等。从现有的条件来 看，广州的"商转公"政策还是存在一定门槛，并不是所有有意愿"商转公"的群体都能够满足条 件。 有专家提出，今年是房地产市场深度调整的"过渡期"。我们认为，为进一步稳定市场，部分城 市可能会进一步放宽限购、限贷政策，如果你属于多孩家庭、新市民等群体，那么更要密切关 注后续政策。 SFC 出品丨21财经 ...

Core Insights - The city’s public housing fund management center has implemented a series of policies aimed at enhancing the living conditions of residents through increased loan limits, improved efficiency, and reduced burdens [1][2][4] Group 1: Policy Implementation - As of the end of May, the total accumulated public housing fund contributions reached 850.7 billion, with 595.67 billion withdrawn, and a remaining balance of 255.03 billion [1] - A total of 457.06 billion in public housing loans has been issued to 193,600 households, with a loan balance of 162.25 billion, stimulating housing consumption by 22.56 million square meters [1] Group 2: Loan Limits and Interest Rates - The maximum public housing loan limits for individuals and families have been raised to 700,000 and 1 million respectively, with additional increments for families with multiple children [2] - Starting from May 8, the interest rates for first-time home loans have been reduced to 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [2] - Existing public housing loan interest rates will automatically decrease starting January 1, 2026, benefiting all families with outstanding loans [2] Group 3: Service Enhancements - The introduction of a streamlined online service for public housing loans has significantly reduced processing times, with retirement-related services now taking approximately 10 minutes [3] - The "commercial to public" loan process has been optimized, with 416 cases processed since the upgrade, involving a total of 630,000 [3] Group 4: Accessibility and Convenience - The public housing fund center has expanded its service network to include six bank branches, enhancing accessibility for residents [4] - Integrated service points have been established in bank branches, allowing for comprehensive loan services, with 51 loan applications processed and 47 loans issued amounting to 18.91 million [4] - The "door-to-door" service initiative has reached 37 companies, assisting nearly 1,200 employees with policy information and support [5]

中指研究院最新数据显示，2025年以来，广州、沈阳等近20个城市已相继宣布推出或优化"商转公"的支 持性政策。 例如，沈阳市在今年年初明确优化"商转公"贷款申请条件。取消"商转公"贷款申请条件中原商贷已偿还 3年（含）以上的限制条件；取消"商转公"贷款申请条件中借款申请人及共同申请人名下除申请"商转 公"贷款的1笔个人住房商业贷款以外，不得有其他住房贷款的限制条件。此后再度扩大"商转公"贷款政 策支持范围。灵活就业缴存人、异地缴存职工和现役军人，可将已偿还5年（含）以上的个人住房商业 贷款，转为住房公积金贷款。 从政策细节看，征求意见稿拟明确，商转公贷款额度按申请时广州市公积金贷款政策核定，同时不得高 于"商转公"贷款申请时原商业贷款余额与未来3个月应还本金的差额，且不得超过购房总价款的60%。 购房总价款以房屋原购买价格与房屋重新核查（重新评估）价格中的较低者为准。同时，申请商转公贷 款时，贷款房屋是产权人家庭在本市的唯一住房。 "只有纯商贷的自住房、唯一住房才能满足'商转公'条件，这部分人群很大部分是之前购房的年轻人或 新市民。"广东省住房政策研究中心首席研究员李宇嘉表示，过去楼市火热期间，不少楼盘不接受 ...

7月2日，广州住房公积金管理中心向社会公众公开征求《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）》（征求意见 稿）（以下简称征求意见稿）的意见。广州拟明确，当住房公积金个人住房贷款率（以下简称个贷率）低于75%时启动商转公贷款。 此外，商转公贷款的贷款期限按申请时该市公积金贷款政策核定，同时不得高于原商业贷款剩余期限，且与商业贷款已还年限合计不超过30年 （商业住房贷款已还年限按年取整）。 什么是"商转公"？ 征求意见稿显示，商业性个人住房贷款转住房公积金个人住房贷款（以下简称商转公贷款），是指缴存人申请将其在广州市住房公积金贷款承办 银行尚未结清的商业性个人住房贷款（以下简称商业贷款）余额，全部转为住房公积金个人住房贷款（以下简称公积金贷款）。 征求意见稿提出，当住房公积金个人住房贷款率低于75%时启动商转公贷款；当个贷率达到85%及以上时可采取防控措施，包括但不限于实行商转 公贷款额度管控、预约申请等措施；当个贷率达到90%及以上时暂停。在征求意见稿实施过程中，广州住房公积金管理中心可根据资金和贷款情 况及时采取防控措施。 据悉，目前，广州不少银行存量房贷利率为LPR-30，即3.2%左 ...

Core Viewpoint - Guangzhou is set to join Shenzhen as a major city implementing the "commercial to public" (商转公) loan policy, allowing the conversion of commercial housing loans to public housing loans when the individual loan rate falls below 75% [1][2]. Group 1: Policy Implementation - The Guangzhou Housing Provident Fund Management Center has drafted a proposal for public consultation from July 2 to July 11, aiming to alleviate the interest burden on loan payers and stimulate social consumption [2]. - The proposal introduces a dynamic adjustment mechanism linking the business's opening to the status of provident fund funds, with specific thresholds for individual loan rates (75%, 85%, and 90%) dictating the operational status of the "commercial to public" loans [2][3]. Group 2: Application Conditions - The proposal outlines specific eligibility criteria for applicants, including the requirement that borrowers must have been contributing to the housing provident fund in Guangzhou and must not have previously utilized public housing loans [3]. - The original commercial loan must have been disbursed for at least five years, and the borrower must have obtained consent from the original commercial loan bank to convert to a pure public fund loan [3][4]. Group 3: Market Impact - The implementation of the "commercial to public" loan policy is expected to reduce monthly payment burdens for borrowers and decrease instances of early loan repayment, particularly benefiting younger buyers and new residents who previously could not access public loans [3][4]. - The policy is seen as a response to market demands, aligning with broader trends of promoting housing as a consumer good and addressing the needs of first-time buyers and those seeking improved living conditions [1][4].

7月2日，广州住房公积金管理中心发布征求意见稿，拟实施商业性个人住房贷款转住房公积金个人住房贷 款（以下简称"商转公贷款"）政策，当公积金个人住房贷款率（以下简称"个贷率"）低于75%时可启动商转 公贷款。 值得注意的是，只有纯商贷的自住房、唯一住房才能满足商转公贷款的条件，申请时原商业贷款已放款5年以 上可转为纯公积金贷款。 业内人士认为，广州此次拟实施商转公贷款政策，有明显的降成本、促消费的政策意图。 广州拟实施"商转公贷款"政策 7月2日，广州住房公积金管理中心发布公告，对《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）》（征求意见稿）公开征求意见。 四是贷款房屋已取得房地产权属证书。 对于出台新政的原因，广州住房公积金管理中心表示，是为充分发挥住房公积金制度支持保障作用，减轻缴存 人住房贷款利息负担，促进社会消费。 实施办法提出，缴存人申请将其在广州市住房公积金贷款承办银行尚未结清的商业贷款余额，当个贷率低于 75%时启动商转公贷款；当个贷率达到85%及以上时可采取防控措施，包括但不限于实行商转公贷款额度管 控、预约申请等措施；当个贷率达到90%及以上时暂停。本办法实施过程中，广州住 ...