Twenty cities in Guangdong Province have adjusted the minimum down payment ratio policy for commercial property purchases.

According to the notice on adjusting the minimum down payment ratio for commercial real estate loans issued by the People's Bank of China and the China Banking Regulatory Commission, the Guangdong market interest rate pricing self-regulation mechanism will adjust the minimum down payment ratio for commercial real estate loans in Guangdong province to not less than 30%, based on the principle of implementing different policies for different cities, taking into account the changes in the local real estate market situation and the regulatory requirements of each city government. This policy will be implemented starting from January 21, 2026. In addition, on the basis of the policy minimum, commercial banks within the jurisdiction may reasonably determine the specific down payment ratio for each commercial real estate loan based on market-oriented and rule of law principles, taking into account their own operating conditions, customer risk conditions, and other factors.