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 ...

Core Viewpoint - The "commercial to public" (商转公) policy is being implemented in various cities, including Guangzhou, to alleviate the financial burden on homebuyers by allowing them to convert high-interest commercial loans into lower-interest public housing fund loans [1][2]. Group 1: Policy Implementation - The "commercial to public" policy aims to reduce the monthly mortgage payments for homebuyers, with estimates showing that converting a 1 million yuan commercial loan to a public housing fund loan can save approximately 198 yuan per month, totaling about 2,376 yuan annually and over 47,000 yuan over 20 years [1]. - Cities like Shenzhen, Chongqing, Wuhan, and Hefei are also actively promoting the "commercial to public" policy this year [1]. Group 2: Market Context - The current housing market shows a significant increase in the proportion of low-priced second-hand housing transactions, indicating a shift towards housing consumption characteristics [1]. - In Guangzhou, first-time homebuyers dominate the market, but they often face financial constraints, making them sensitive to both purchase thresholds and mortgage payments [1]. Group 3: Eligibility and Conditions - Each city has specific conditions for applying for the "commercial to public" policy. For instance, Guangzhou requires that the housing provident fund loan ratio be below 75% to initiate the policy, with stricter controls as the ratio increases [2]. - In Guangzhou, applicants must meet several criteria, including having a commercial loan that has been disbursed for over five years and no overdue payments in the past 24 months [2].