Lowering the minimum down payment ratio for commercial property purchase loans in multiple places.

On January 23rd, the People's Bank of China Shaanxi Branch issued a notice, specifying that starting from January 23, 2026, the minimum down payment ratio for commercial property purchases in various cities in Shaanxi Province will be adjusted to not less than 30%. The notice titled "Notice of the People's Bank of China and the China Banking and Insurance Regulatory Commission on Adjusting the Minimum Down Payment Ratio for Commercial Property Purchases" issued on January 17th proposed that the minimum down payment ratio for commercial property purchases be adjusted to not less than 30%. Currently, this policy has been implemented in multiple regions. According to the investigation by journalists, in addition to Shaanxi mentioned above, four provinces including Guangdong, Hunan, and Hubei have also issued notices to reduce the minimum down payment ratio for commercial property purchases.