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

CryptocurrencySniper · 2026-03-16T08:43:15+00:00

To adapt to changes in Shanghai's real estate market, the People's Bank of China and the National Financial Regulatory Administration have adjusted the minimum down payment ratio for commercial property purchase loans to no less than 30% effective March 16, 2026. Banks should reasonably set down payment ratios based on specific circumstances, following the principle of convenience for the public.

CryptocurrencySniper

2026-03-16 08:43:15

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To implement the decisions and deployments of the Party Central Committee and the State Council, adapt to the new changes in the supply and demand relationship of the local real estate market, support the development of new real estate models, and in accordance with the “Notice of the People’s Bank of China and the State Financial Regulatory Administration on Adjusting the Minimum Down Payment Ratio for Commercial Property Loans” (Yinfa [2026] No. 14), and following city government regulation opinions and the principle of city-specific policies, the People’s Bank of China Shanghai Branch, in conjunction with the Shanghai Regulatory Bureau of the State Financial Regulatory Administration, issues the “Notice on Adjusting the Minimum Down Payment Ratio for Commercial Property Loans in Shanghai,” making the following adjustments to Shanghai’s commercial property loan policies:

Starting March 16, 2026, the minimum down payment ratio for commercial properties (including “commercial-residential mixed-use” properties) in Shanghai is adjusted to no less than 30%. Banking financial institutions within the jurisdiction should, based on the lower limit requirements of this notice and considering their operational conditions and client risk factors, reasonably determine the specific down payment ratio for each loan. In implementation, banks should fully consider ongoing transactions and other factors to ensure convenience and benefit for the people.

(Source: People’s Bank of China Shanghai Headquarters)

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