Tianjin adjusts the minimum down payment ratio policy for commercial property purchase loans.

The Tianjin Branch of the People's Bank of China, in conjunction with the Tianjin Regulatory Bureau of the China Banking and Insurance Regulatory Commission and the Tianjin Municipal Commission of Housing and Urban-Rural Development, has adjusted the policy on commercial property purchase loans in Tianjin in accordance with the control requirements of the city government and the principle of tailored policies for different cities. For enterprises and individuals who purchase commercial property with loans in Tianjin, the down payment ratio for property purchase loans is adjusted to no less than 30%. On the basis of the policy minimum, commercial banks in the jurisdiction can, in accordance with market-oriented and rule of law principles, reasonably determine the specific down payment ratio for each commercial property purchase loan based on their own operational conditions, customer risk profiles, and other factors. The above-mentioned policy will take effect on February 2, 2026.