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

LightningPacketLoss · 2026-03-17T16:40:11+00:00

The Shanghai Branch of the People's Bank of China and the Shanghai Bureau of the China Banking and Insurance Regulatory Commission have adjusted the minimum down payment ratio for commercial real estate purchase loans in Shanghai. Starting from March 16, 2026, the minimum down payment ratio will be set at no less than 30%, and banks are required to reasonably determine the down payment ratio based on specific circumstances.

LightningPacketLoss

2026-03-17 16:40:11

Abstract generation in progress

On March 16, the People’s Bank of China Shanghai Branch, in conjunction with the Shanghai Regulatory Bureau of the China Financial Supervision and Administration, issued the “Notice on Adjusting the Minimum Down Payment Ratio Policy for Commercial Property Purchases in Shanghai.” The following adjustments have been made to the commercial property mortgage policy in Shanghai: Starting from March 16, 2026, the minimum down payment ratio for purchasing commercial properties in Shanghai (including “commercial-residential mixed-use properties”) is 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 lower limit requirements of this notice, combined with their operational conditions and customer risk factors. In the specific implementation, each bank should fully consider factors such as ongoing transactions and take practical steps to facilitate and benefit the public.

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

1 Likes