广东省内20个城市商业用房购房贷款最低首付款比例调整为不低于30%

Core Viewpoint - The People's Bank of China has announced a policy adjustment for the minimum down payment ratio for commercial property loans in 20 cities in Guangdong Province, setting it at no less than 30% effective January 21, 2026 [1] Group 1: Policy Changes - The minimum down payment ratio for commercial property loans (including "commercial-residential mixed-use properties") in Guangdong Province (excluding Shenzhen) has been adjusted to a minimum of 30% [1] - This adjustment is based on the principle of "differentiated policies" according to local real estate market conditions and government regulatory requirements [1] Group 2: Implementation and Flexibility - Local commercial banks are allowed to determine the specific down payment ratio for each commercial property loan based on market-oriented and legal principles, as well as their own operational conditions and customer risk profiles [1]