上海调整商业用房购房贷款比例：最低首付款比例降至30%

Core Viewpoint - The People's Bank of China Shanghai Branch, in conjunction with the Shanghai Regulatory Bureau of the National Financial Supervision Administration, has announced an adjustment to the minimum down payment ratio for commercial property loans in Shanghai, effective from March 16, 2026, setting it at no less than 30% [1]. Group 1 - The minimum down payment ratio for purchasing commercial properties (including "commercial-residential mixed-use properties") in Shanghai will be adjusted to not less than 30% [1]. - Financial institutions in the region are required to determine the specific down payment ratio for each loan based on the guidelines provided, considering their operational status and customer risk profiles [1]. - Banks are expected to take into account factors such as ongoing transactions to ensure convenience for the public [2].