最新调整！商业用房贷款最低首付比例不低于30%

Core Viewpoint - The People's Bank of China has announced a reduction in the minimum down payment ratio for commercial property loans from 50% to 30%, aimed at adapting to changes in the real estate market and supporting a new development model in the sector [1][3]. Group 1: Policy Changes - The minimum down payment ratio for purchasing commercial properties, including "commercial-residential mixed-use properties," has been adjusted to no less than 30% [1]. - Local branches of the People's Bank of China and the National Financial Regulatory Administration are authorized to set lower minimum down payment ratios based on local government policies, following the principle of "differentiated measures for different cities" [1]. Group 2: Market Impact - The reduction in the down payment requirement is expected to lower the barriers for purchasing commercial properties, thereby enhancing the activity in the commercial real estate market [3]. - The move is seen as a significant step in supporting the de-inventory efforts for commercial properties, indicating an increased focus from central and regulatory authorities on reducing excess stock in commercial projects [3].