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

NightAirdropper · 2026-03-19T05:27:48+00:00

Ruisi News: On March 16, according to an announcement from the Shanghai Head Office of the People's Bank of China, effective March 16, 2026, the minimum down payment ratio for commercial property loans in Shanghai (including "commercial-residential hybrid properties") will be adjusted to no less than 30%. Financial institutions within the jurisdiction should, based on the minimum requirements specified in this notice and in combination with factors such as their own operating conditions and customer risk profiles, reasonably determine the specific down payment ratio for each individual loan. In implementation, each bank should fully consider factors such as transactions in progress and make genuine efforts to serve the public conveniently.

NightAirdropper

2026-03-19 05:27:48

Rui Si News: On March 16, the Shanghai headquarters of the People’s Bank of China announced that starting from March 16, 2026, the minimum down payment ratio for commercial residential properties (including “mixed-use residential and commercial properties”) 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 of this notice, combined with their operational conditions, customer risk factors, and other considerations. In the implementation process, each bank should fully consider ongoing transactions and other factors to ensure convenience and benefit for the public.

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