The term 'commercial to public' refers to the conversion of commercial personal housing loans into housing provident fund personal housing loans. Because there is still a significant interest rate difference between commercial loans and provident fund loans, this has become an important channel to reduce the pressure on homebuyers' housing loans. Recently, there have been many "commercial to public" initiatives in various areas, and many eligible homebuyers have received policy benefits. What should be paid attention to during the process of "business to public"? Will there be more cities following up? Recently, the Wuhu Housing Provident Fund Management Center issued the "Implementation Measures for Converting Commercial Personal Housing Loans to Housing Provident Fund Loans in Wuhu City" to implement the policy of "transferring commercial loans to public housing" in multiple regions. Starting from December 1, 2023, the "commercial loans already issued before December 31, 2016" and "transferring commercial loans to public housing" businesses can be processed. According to the regulations of Wuhu, when applying for a "commercial to public" loan, the applicant's housing provident fund account should be in a normal payment state and have continuously paid the housing provident fund in full for at least 12 months (including). The houses involved in applying for the "commercial to public" loan must have obtained a real estate ownership certificate and have clear ownership, and there are two methods: "repayment before loan" and "repayment by loan". During the period from October 1, 2018 to October 20, 2023, commercial banks issued housing commercial loans. After obtaining the real estate ownership certificate, the loan house can apply for the transfer of housing commercial loans to provident fund loans. On October 20, the Shanxi Provincial Housing Fund Management Center issued a notice on adjusting housing provident fund loan policies, which also mentioned the adjustment of housing provident fund loan policies such as "commercial to public". The team of "business to public" loans is continuously expanding. Since 2023, Chongqing, Harbin, Heilongjiang, Xuzhou, Jiangsu, Yancheng, Ganzhou, Jiangxi, Bengbu, Anhui and other places have provided support for "business to public" loans. The policies mainly include restoring the "business to public" business, clarifying the conditions for "business to public" processing, and lowering relevant thresholds. The Zhongzhi Research Institute believes that the "conversion of commercial housing to public housing" not only improves the efficiency of housing provident fund utilization, but also helps to reduce the interest expenses of households who have already purchased a house and reduce the cost of purchasing a house. However, for the real estate market, a single policy of "business to public" is difficult to reverse market expectations, and it still needs to be coordinated with other policies to promote the gradual stabilization of the real estate market. Is the success rate of "business to public" high? Homebuyer Li Huan (pseudonym) successfully caught up with the trend of "business to public" in the first half of this year. She told reporters that the materials needed to be prepared at that time included personal identity documents of both spouses, property certification materials, credit reports, repayment records, loan situation materials, etc. The process was not easy, and the appointment took quite a long time. After filling out the application form and other materials on site, it took about another month before the provident fund center called to notify them to sign the contract. The most memorable part of the appointment process for me was calculating the maximum available loan amount, which was related to the valuation of the location, the common balance of the husband and wife's provident fund, and the total amount of the deposit and payment base. When waiting for the results, I was quite nervous, but fortunately, the final approved amount was similar to the calculated amount. Li Huan reminded me that another requirement was to settle consumer loans, credit loans, and other expenses. She didn't pass her first application because she had a renovation loan that hadn't been fully repaid