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 in Guangdong Province (excluding Shenzhen) to no less than 30% to adapt to changes in the real estate market and support a new development model [1][3]. Group 1 - The minimum down payment ratio for commercial property loans, including "commercial-residential mixed-use properties," has been set to not less than 30% [1][3]. - Local commercial banks are allowed to determine the specific down payment ratio for each commercial property loan based on market principles, legal frameworks, and their operational conditions and customer risk profiles [1][3]. - The policy will take effect on January 21, 2026 [2][4].
广东省内20个城市调整商业用房购房贷款最低首付款比例政策
Xin Lang Cai Jing·2026-01-21 08:18