Shanghai Adjusts Minimum Down Payment Ratio Policy for Commercial Property Purchase Loans

SnapshotLaborer

2026-03-16 08:36:32

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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, based on the requirements of this notice and considering their operational conditions and customer risk profiles, reasonably determine the specific down payment ratio for each loan. During implementation, banks should fully consider factors such as ongoing transactions to ensure convenience and benefit for the public.

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