《每日经济新闻》记者（以下简称"每经记者"）注意到，商业用房涵盖写字楼、公寓、商铺等业态，此前贷款首付款比例普遍为50%。随着此次政策的出 台，商铺作为商业用房领域的重要投资标的，自然成为投资者热议的焦点。 在深圳市场，不少商铺中介主推的商铺号称回报率普遍达4%~6%，部分带租约商铺更是宣称回报率可达8%。而据深圳贝壳研究院数据，2025年深圳住宅 租金回报率只有约1.7%，二者形成鲜明反差。 每经记者调研深圳福田、宝安等片区的商铺市场情况时，有商铺潜在投资者直言"门槛降了但不敢轻易下手"，商铺投资的核心考验并非凑齐首付，而是能 否扛住长期持有中的多重风险。 第一太平戴维斯深圳董事总经理吴睿向每经记者表示，此次商业地产贷款首付从50%降至30%，将对商业地产去化有一定促进作用，但对商业地产成交起 到更为关键作用的在于贷款利率及税率，政策要起到更好效果还需要有一揽子动作。 01 每经记者 陈荣浩 摄 2026年开年，商业地产市场便迎来重磅政策利好。 1月17日，中国人民银行、国家金融监督管理总局宣布，将商业用房（含"商住两用房"）购房贷款最低首付款比例调整为不低于30%。 高租金回报率背后 如果仅从租金回报率情 ...

Group 1 - A small commercial property in Chengdu, measuring only 9.33 square meters, was auctioned starting at 1 yuan and sold for 110,500 yuan after 139 bids, indicating strong investor interest [1][2] - The property, built in 2014, is located on the second floor of a four-story building and is currently leased to a gaming company, with a rental agreement running until July 2026 at a monthly rent of 990 yuan [1][3] - The auction attracted significant bidding activity, with the final bid exceeding 100,000 yuan, and the winning bidder will incur additional costs such as service fees, commission, and deed tax, which could affect the overall investment return [3][4] Group 2 - The initial low starting price of the auction raised questions about potential hidden issues, but the property is confirmed to be free of loans and encumbrances, indicating a normal sale rather than a judicial auction [2][3] - The projected annualized return on investment for the winning bidder is estimated to exceed 9%, which is notably higher than the typical return rates for commercial properties in Chengdu, which range from 4% to 8% depending on the location [3][4] - The gaming company leasing the property is reportedly preparing for an IPO, suggesting a stable rental income, which may make this investment more attractive compared to traditional savings [3][4]