禁止变更为商品房，深圳出台配售型保障房管理办法

Group 1 - The Shenzhen government has issued the "Management Measures for the Allocation of Guaranteed Housing" which will take effect on March 1, 2026, outlining the application conditions, allocation methods, and management of guaranteed housing [1] - The guaranteed housing is targeted at low-income groups, with a focus on small units such as one-bedroom and two-bedroom apartments, and is subject to strict management and pricing regulations [1][2] - Applicants must meet specific criteria, including being a registered resident of Shenzhen, not owning property in the city, and having paid social insurance for a minimum of five years [1] Group 2 - The allocation price of guaranteed housing will be determined based on land costs, construction costs, reasonable profits, and relevant taxes, while considering the supply-demand relationship and the payment ability of low-income groups [2] - The guaranteed housing will have a closed management system, prohibiting any conversion to commercial housing, and any resale will be subject to depreciation rules [2] - The supply of guaranteed housing is expected to become a significant part of Shenzhen's housing system, addressing the housing needs of new residents and potentially impacting the market for commercial housing [2] Group 3 - The People's Bank of China has adjusted the minimum down payment for commercial property loans to no less than 30%, effective January 23, 2026, allowing banks to set specific down payment ratios based on their operational conditions [3]