近年来，随着城市化进程的不断推进和居民消费观念的转变，越来越多的人选择购买房产。然而，在面对高昂的房价时，许多人会选择通过住房贷款来实现自己拥有一套心仪住所的梦想。但是在借款之后, 由于各种原因如工作调动、家庭成员增加等情况下, 需要将个人名义下的住房贷款商转为公共账号还清剩余部分或者进行过户并继续按揭支付。

这一热点问题引起了广泛关注，并且也造成了很多困扰和误解。针对此类情况，《XX报》记者深入调查采访了相关专业人士以及经历过此流程的借款者们，并整理出详尽全面地办理流程解析供读者参考。

首先需要明确指出：个人到公共名义下住房贷款商转换主要包括两大方向——一个是把已用个人信用申请取得（即“私”）银行放贷产品改签至单位名称；另外则是将某位具体个体所有权划归给其他特定机构/组织/公司(即"他") 。其中前述常见于小微企业老板、挣扎中青年职场新积累群体；后例通常适合普罗百姓中较富裕阶层与资本运营投资集团。

第二步: 根据国家政策规定提交相应材料
--准备齐全必须文件：
1. 《中国建设银行网络科技股份有限公司电子结算系统服务协议书》，
2. 身份证复印件,
3. 法院生效离婚判决书，
4. 质保信息认可证

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