同时，这次广州还把这1028条意见建议中比较重要的几条列了出来，告诉市民哪些被采纳、哪些不被采 纳，各自的理由是什么。比如，有市民建议取消原商业银行同意作为"商转公"申请条件，这一建议被采 纳了，还有市民建议把"原商业贷款已放款5年、申请前24个月没有商贷违约记录"的限制条件放宽，这 一点也被采纳了，两个时限分别缩短到3年和12个月。 能够充分采纳市民的合理建议，这显示了当前广州在稳楼市的民生政策上乐于问计于民的态度，这一点 格外值得点赞。或许后续在其他涉及稳楼市政策的出台过程中，也能够期待来自民间的好点子转化为政 策措施，为广州楼市继续回稳贡献民间智慧。 第二个细节是这次政策的背景。最近两个月中央连续强调要"更大力度推动房地产市场止跌回稳""采取 有力措施巩固房地产市场止跌回稳态势"，这次广州及时推出房贷"商转公"，其实也是对中央近期部署 的一种落实。 在公开征求意见一个月左右，广州房贷"商转公"政策就火速落地，这种从政策酝酿到实施之间快速推进 的节奏，展示了当前广州呵护楼市刚需、帮助购房群体减轻房贷负担的急切心情。除此之外，这次"商 转公"政策背后还有两大细节格外值得一说。 第一个细节是这次政策落地的同时 ...

Core Viewpoint - The "commercial loan to public housing fund loan" (商转公) policy is being implemented across multiple cities in China, providing significant interest savings for homeowners and enhancing the certainty of home purchasing decisions [1][5][6]. Policy Implementation - Various cities have introduced or are in the process of introducing the "商转公" policy, with over 30 cities reported to have gradually implemented or relaxed these policies [5]. - Specific examples include Guangzhou, which is seeking public opinion on its implementation guidelines, and Hainan, which has drafted its management measures [3][4]. Benefits of the Policy - The policy aims to alleviate the financial burden of existing commercial loans for homeowners, allowing them to switch to lower-interest public housing fund loans [3][5]. - It is expected to boost housing consumption demand and enhance market confidence [5][6]. Variability in Policy Conditions - The eligibility criteria for the "商转公" policy vary significantly across cities, with some cities like Wuhan having more relaxed conditions compared to stricter requirements in cities like Guangzhou [8][9]. - For instance, Guangzhou requires applicants to meet eight specific conditions, making it more challenging to qualify [9][10]. Current Status in Major Cities - As of now, major cities like Beijing and Shanghai have not yet introduced the "商转公" policy, with local housing fund management centers indicating a cautious approach due to the current utilization rates of housing funds [11][14][15]. - Shenzhen has already initiated the "商转公" business, attributed to its unique market conditions [12][13]. Financial Metrics - As of the end of 2024, Beijing's housing fund balance was reported at 8,222.10 billion yuan, with a loan balance of 5,109.97 billion yuan, resulting in a loan-to-fund ratio of 62.1% [15]. - In Shanghai, the loan balance accounted for 71.62% of the total fund balance, indicating a high utilization of housing fund resources [15].