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

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2026-03-16 08:41:45

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People’s Financial News, March 16 — The Shanghai Branch of the People’s Bank of China, in conjunction with the Shanghai Regulatory Bureau of the China Financial Supervision and Administration Bureau, issued the “Notice on Adjusting the Minimum Down Payment Ratio Policy for Commercial Residential Loans in Shanghai.” The following adjustments have been made to the commercial residential loan policy in Shanghai: Starting 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 set forth in this notice, combined with their operational conditions and customer risk profiles. 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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