商用房房贷最低首付比例下调至30%

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have announced a new policy to adjust the minimum down payment ratio for commercial property loans to no less than 30% to adapt to changes in the real estate market and support a new development model in the sector [1] Group 1: Policy Changes - The minimum down payment ratio for commercial property loans, including "commercial-residential mixed-use properties," has been set at a minimum of 30% [1] - Local branches of the People's Bank of China and provincial agencies of the National Financial Regulatory Administration are allowed to determine the minimum down payment ratio for their respective cities based on local government regulations, following the principle of "differentiated policies" [1] Group 2: Implementation and Future Measures - The announcement was made by the Deputy Governor of the People's Bank of China, Zou Lan, during a press conference, where he also mentioned that eight policy measures will be introduced, with the adjustment of the minimum down payment ratio being one of them [1]