商业用房最低首付下调至30%！央行最新宣布

Core Viewpoint - The People's Bank of China (PBOC) is implementing two main policy measures to support economic transformation and optimization in response to the current economic and financial situation. These measures include lowering interest rates on various structural monetary policy tools and enhancing support through structural tools [1]. Group 1: Monetary Policy Adjustments - The PBOC will lower the interest rates on various structural monetary policy tools by 0.25 percentage points, reducing the one-year relending rate from 1.5% to 1.25% [1]. - The PBOC will increase the quota for agricultural and small enterprise relending by 500 billion yuan, with a separate quota of 1 trillion yuan designated for private enterprises [1]. Group 2: Support for Innovation and Technology - The relending quota for technological innovation and technological transformation will be increased from 800 billion yuan by 400 billion yuan to 1.2 trillion yuan, expanding the support to include private small and medium-sized enterprises with high R&D investment levels [1]. Group 3: Risk Management and Financial Support - The PBOC will merge the existing risk-sharing tools for bonds of private enterprises and technological innovation, providing a total relending quota of 200 billion yuan [1]. - The PBOC will expand the support areas for carbon reduction tools to include energy-saving renovations and green upgrades, guiding banks to support comprehensive green transformation [2]. - The minimum down payment ratio for commercial property loans will be lowered to 30% to support the destocking of commercial and real estate markets [2].