周末楼市重磅，商业用房首付比例下调至30%

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have announced a significant policy change, lowering the minimum down payment ratio for commercial property loans to no less than 30%, which is expected to facilitate the transaction of commercial properties and address the high inventory levels in the market [1][4]. Group 1: Policy Changes - The minimum down payment ratio for commercial property loans has been adjusted from 50% to 30%, with some banks previously setting it as high as 60% [4]. - This policy aims to adapt to the new changes in the supply-demand relationship of the real estate market and support the development of a new model for real estate [1][4]. Group 2: Market Impact - The reduction in the down payment requirement is anticipated to significantly lower the transaction barriers for commercial properties, which include office buildings and shops, thereby promoting inventory reduction [4]. - As of November 2025, there is a substantial inventory of commercial properties, with 52.34 million square meters of office space and 140 million square meters of commercial space available for sale, totaling nearly 200 million square meters [4]. Group 3: Expert Insights - Experts suggest that the policy will help activate existing commercial properties and may also support the development of affordable rental housing or long-term rental apartments [5]. - The cautious evaluation practices of banks mean that a 30% down payment is still considered significant, and there is potential for further reductions in the future [5].