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

GateUser-bd883c58 · 2026-03-20T12:20:25+00:00

The Shanghai Branch of the People's Bank of China has adjusted commercial housing mortgage loan policies. Starting March 16, 2026, the minimum down payment ratio will be 30%. Banks should reasonably determine the down payment ratio based on their own risk conditions and those of their customers, while also considering convenient services for the public.

GateUser-bd883c58

2026-03-20 12:20:25

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The People’s Bank of China Shanghai Branch, 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 Housing Loans in Shanghai,” which makes the following adjustments to the commercial housing loan policy in Shanghai:

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 determine the specific down payment ratio for each loan reasonably, based on the lower limit requirements of this notice, combined with their operational status and customer risk conditions. In implementation, each bank should fully consider factors such as ongoing transactions to truly serve and benefit the people.

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