深圳市调整商业用房购房贷款最低首付款比例 不低于30%

Core Viewpoint - Shenzhen has adjusted 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 [1][3]. Summary by Sections - Policy Adjustment: The minimum down payment ratio for commercial properties, including "commercial-residential mixed-use properties," has been set to not lower than 30% [1][3]. - Implementation Date: The new policy will take effect on January 23, 2026 [2][4]. - Banking Flexibility: Local commercial banks are allowed to determine specific down payment ratios based on market principles, their operational conditions, and customer risk profiles [1][3].