商业用房最低首付比下调至30% 直指商办市场去库存难题

Group 1 - The adjustment of the minimum down payment ratio for commercial property loans to no less than 30% is expected to positively impact the real estate market and corporate structure [2][3] - This policy aims to support the de-inventory of the commercial real estate market, which includes shops, office buildings, hotels, and commercial complexes [4][5] - The previous down payment requirements for commercial properties were generally around 50%, with some banks increasing it to 60% or more, which suppressed the purchasing willingness of small investors and enterprises [3][4] Group 2 - The new policy is seen as a tool to stimulate market activity and accelerate the de-inventory process for real estate companies, which have been facing cash flow pressures due to slow sales [5][6] - The adjustment is expected to facilitate the transformation of commercial properties into long-term rental apartments and hotel-style apartments, thereby activating demand for such investments [6] - The reduction in the down payment requirement aligns with the recovery of the consumption market and the service industry, indicating a positive response from the policy side to economic recovery [6]