上海调整商业用房购房贷款最低首付款比例

Core Viewpoint - The People's Bank of China and the Shanghai Financial Supervision Administration have announced adjustments to the minimum down payment ratio for commercial property loans in Shanghai, effective March 16, 2026, setting it at no less than 30% [1]. Group 1 - The minimum down payment ratio for commercial property loans in Shanghai will be adjusted to 30% starting from March 16, 2026 [1]. - The adjustment applies to all commercial properties, including "commercial-residential mixed-use properties" [1]. - Financial institutions in the region are required to determine specific down payment ratios based on their operational conditions and customer risk profiles, while also considering ongoing transactions [1].