According to the regulatory requirements of the Shenzhen Municipal Government, starting May 29, Shenzhen lowered the minimum down payment ratio and lower interest rate limit for personal housing loans. The minimum down payment ratio for personal housing loans for the first home was adjusted from 30% to 20%, and the minimum down payment ratio for personal housing loans for the second home was adjusted from 40% to 30%. The lower interest rate limit for commercial personal housing loans for the first housing unit was adjusted from the original LPR-10BP to LPR-45BP, and the lower interest rate limit for commercial personal housing loans for the second housing unit was adjusted from the original LPR+30BP to LPR-5BP. This adjustment is conducive to lowering the threshold for households to buy homes, reducing repayment burdens, and better meeting residents' rigid housing needs and diversified demand for improved housing.
深圳下调个人住房贷款最低首付款比例和利率下限
Shenzhen cuts minimum down payment ratio and lower interest rate limit for personal housing loans
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