---
title: "The down payment ratio for commercial properties has been reduced to 30%. Experts: It may be possible to lower it again in the future"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/272706540.md"
description: "The central bank has lowered the minimum down payment ratio for commercial property purchase loans to 30%. Experts point out that the current inventory of commercial properties in various regions is high, with a long de-stocking cycle and significant declines in second-hand housing prices. With the development of the rental market, investors' interest in transforming commercial offices into long-term rental apartments and other products has increased, and the down payment ratio may be further reduced in the future"
datetime: "2026-01-15T13:38:46.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/272706540.md)
  - [en](https://longbridge.com/en/news/272706540.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/272706540.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/272706540.md) | [繁體中文](https://longbridge.com/zh-HK/news/272706540.md)


# The down payment ratio for commercial properties has been reduced to 30%. Experts: It may be possible to lower it again in the future

The spokesperson and deputy governor of the central bank, Zou Lan, stated that the central bank, in conjunction with the Financial Regulatory Administration, has lowered the minimum down payment ratio for commercial property purchase loans to 30%. In response, Li Yujia, chief researcher at the Guangdong Housing Policy Research Center, indicated that various regions are generally facing high inventory levels of commercial properties for sale and prolonged de-stocking periods. Additionally, the difficulty in de-stocking the existing inventory has led to significant challenges in the development of supplied land and ongoing projects, resulting in substantial declines in the prices of second-hand commercial properties. In recent years, with the rise of the rental market, institutional or individual investors in hot cities have shown a significantly increased willingness to invest in commercial office spaces and transition to products that combine long-term and short-term rentals, such as long-term rental apartments and serviced apartments

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