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青岛今起执行!商业用房购房贷款最低首付款比例调整

  • 2026-02-15 12:47:06
青岛今起执行!商业用房购房贷款最低首付款比例调整

据中国人民银行山东省分行消息，山东省16个城市调整商业用房购房贷款最低首付款比例政策。

为贯彻落实党中央、国务院决策部署，适应房地产市场供求关系的新变化，支持构建房地产发展新模式，根据《中国人民银行 国家金融监督管理总局关于调整商业用房购房贷款最低首付款比例政策的通知》（银发〔2026〕14号）要求，中国人民银行山东省分行会同金融监督管理部门根据城市政府调控要求，按照因城施策原则，指导山东省市场利率定价自律机制对山东省16个城市的商业用房购房贷款最低首付款比例政策作出以下调整：
全省商业用房（含“商住两用房”）购房贷款最低首付款比例调整为不低于30%。
辖区商业银行可在全省最低首付款比例30%的基础上，按照市场化、法治化原则，结合自身经营状况、客户风险状况等因素，合理确定每笔商业用房购房贷款的具体首付款比例。
上述政策自2026年1月27日起执行。
内容来源：中国人民银行山东省分行、青岛日报
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  1. CONNECT:[ UseTime:0.000420s ] mysql:host=127.0.0.1;port=3306;dbname=g460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000916s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000317s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000274s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000518s ]
  6. SELECT * FROM `set` [ RunTime:0.000196s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000507s ]
  8. SELECT * FROM `article` WHERE `id` = 465108 LIMIT 1 [ RunTime:0.000998s ]
  9. UPDATE `article` SET `lasttime` = 1771600793 WHERE `id` = 465108 [ RunTime:0.006731s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 66 LIMIT 1 [ RunTime:0.000241s ]
  11. SELECT * FROM `article` WHERE `id` < 465108 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000489s ]
  12. SELECT * FROM `article` WHERE `id` > 465108 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000366s ]
  13. SELECT * FROM `article` WHERE `id` < 465108 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000580s ]
  14. SELECT * FROM `article` WHERE `id` < 465108 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.000700s ]
  15. SELECT * FROM `article` WHERE `id` < 465108 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.006044s ]
0.110747s