Shanghai: Adjusts the minimum down payment ratio for commercial property purchase loans to no less than 30%

MaticHoleFiller

2026-03-21 12:49:31

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According to the Shanghai headquarters of the People’s Bank of China, starting from March 16, 2026, the minimum down payment ratio for commercial housing (including “commercial-residential mixed-use housing”) in Shanghai will be adjusted to no less than 30%. Banking financial institutions within the jurisdiction should determine the specific down payment ratio for each loan reasonably, based on the minimum requirements outlined in this notice, combined with their operational conditions and customer risk factors. In the implementation process, each bank should fully consider factors such as ongoing transactions to ensure convenience and benefit for the public.

(This article is from Yicai Global)

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Editor: Liu Wanli SF014

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