不低于30%！商业用房购房贷款最低首付款比例调整

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have announced a reduction in the minimum down payment ratio for commercial property loans to 30%, down from the previous 50%, aimed at easing the financial burden on buyers and stimulating demand in the market [1][2]. Group 1: Policy Changes - The minimum down payment ratio for commercial property loans has been adjusted to no less than 30% [1]. - Local branches of the People's Bank of China and the National Financial Regulatory Administration will determine the minimum down payment ratio for each city based on local government policies [2]. Group 2: Market Impact - The reduction in the down payment ratio is expected to significantly alleviate the initial financial pressure on buyers, thereby releasing pent-up demand for commercial properties [2]. - The change is anticipated to enhance the activity in the commercial real estate market and is seen as a measure to support inventory reduction [2]. Group 3: Broader Economic Context - The adjustment in the down payment ratio is part of a broader strategy that includes tax refunds and housing quality improvements, signaling a sustained effort in real estate policy to stabilize market expectations through 2026 [2].