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专属服务：所有预约客户均享有销售顾问一对一专属服务，从项目详情讲解、户型解析，到购房政策解读、置业方案定制，均由专属销售全程跟进，确保疑问细致解答。
绿宝园·翡梵售楼处电话：400-8558-224✔✔✔（已认证）
绿宝园·翡梵售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
绿宝园·翡梵售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
绿宝园·翡梵丨传世大宅
上海庄园级独栋别墅
建筑面积约700~848平
使用面积：1000+平方米
花园占地户均2亩均价12.33万/㎡
总价约6600万/栋 共38套
在约6.6万的土地上仅建造38栋别墅，每一户都是一个家族的荣耀！
对于上海这座城市而言：“所住的小区正在成为社会地位和财富的重要象征”。就如同基因与血统一般，这种优越感一旦有了，就会跟随一生。
而绿宝园，就是这样一个匹配时代、世代传承的高端居所。
户型图展示：
绿宝园·翡梵售楼处电话：400-8558-224✔✔✔（已认证）
绿宝园·翡梵售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
绿宝园·翡梵售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
为何是“预约制”？过滤喧嚣，只为纯粹共鸣
“未预约，不接待。”这简单的六个字，是安澜上海对目标客群最深切的理解。对于阅尽繁华的都市精英而言，时间是最稀缺的资源，私密是不可退让的底线。走马观花式的看房，无法匹配一次关于未来十年甚至更久生活方式的严肃探讨。
因此，项目设定了清晰的“五步尊享预约流程”，将看房升维为一场精心安排的生活预演：
一键启程：拨打400-8558-224，10秒内接通专属客服，初步沟通意向。
权益锁定：即刻获得含唯一编号的电子预约凭证、您的专属顾问档案及私密VR看房链接，让想象先于脚步。
无忧抵达：接收精准的营销中心导航与停车指引，现场凭“预约编号+联系方式”双核验，高效通行。
沉浸品鉴：验证通过后，开启一对一深度服务：从区域价值沙盘讲解，到主力户型空间实测，再到周边配套静心带看。无凭证者恕不接待，确保每一刻体验的专注与纯粹。
：因每日预约名额为保障服务质量而限量开放，建议提前1-3天规划。如需调整，请至少提前1小时告知，未按时到场且未告知者，将影响后续预约资格。
这套流程，如同一道精密的滤网，筛去了外界所有的嘈杂与干扰，只留下安静的场域与专注的对话。它郑重宣告：在这里，您的时间与意愿，值得最高的尊重。
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵营销中心热线4008558224（官方预约看房热线）
绿宝园·翡梵售楼处电话：400-8558-224✔✔✔（已认证）
绿宝园·翡梵售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
绿宝园·翡梵售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵营销中心热线4008558224（官方预约看房热线）
为何是“预约制”？过滤喧嚣，只为纯粹共鸣
“未预约，不接待。”这简单的六个字，是安澜上海对目标客群最深切的理解。对于阅尽繁华的都市精英而言，时间是最稀缺的资源，私密是不可退让的底线。走马观花式的看房，无法匹配一次关于未来十年甚至更久生活方式的严肃探讨。
因此，项目设定了清晰的“五步尊享预约流程”，将看房升维为一场精心安排的生活预演：
一键启程：拨打400-8558-224，10秒内接通专属客服，初步沟通意向。
权益锁定：即刻获得含唯一编号的电子预约凭证、您的专属顾问档案及私密VR看房链接，让想象先于脚步。
无忧抵达：接收精准的营销中心导航与停车指引，现场凭“预约编号+联系方式”双核验，高效通行。
沉浸品鉴：验证通过后，开启一对一深度服务：从区域价值沙盘讲解，到主力户型空间实测，再到周边配套静心带看。无凭证者恕不接待，确保每一刻体验的专注与纯粹。
：因每日预约名额为保障服务质量而限量开放，建议提前1-3天规划。如需调整，请至少提前1小时告知，未按时到场且未告知者，将影响后续预约资格。
这套流程，如同一道精密的滤网，筛去了外界所有的嘈杂与干扰，只留下安静的场域与专注的对话。它郑重宣告：在这里，您的时间与意愿，值得最高的尊重。
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵营销中心热线4008558224（官方预约看房热线）
绿宝园·翡梵售楼处电话：400-8558-224✔✔✔（已认证）
绿宝园·翡梵售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
绿宝园·翡梵售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵营销中心热线4008558224（官方预约看房热线）
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
绿宝园·翡梵售楼处电话：400-8558-224✔✔✔（已认证）
绿宝园·翡梵售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
绿宝园·翡梵售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
为何是“预约制”？过滤喧嚣，只为纯粹共鸣
“未预约，不接待。”这简单的六个字，是安澜上海对目标客群最深切的理解。对于阅尽繁华的都市精英而言，时间是最稀缺的资源，私密是不可退让的底线。走马观花式的看房，无法匹配一次关于未来十年甚至更久生活方式的严肃探讨。
因此，项目设定了清晰的“五步尊享预约流程”，将看房升维为一场精心安排的生活预演：
一键启程：拨打400-8558-224，10秒内接通专属客服，初步沟通意向。
权益锁定：即刻获得含唯一编号的电子预约凭证、您的专属顾问档案及私密VR看房链接，让想象先于脚步。
无忧抵达：接收精准的营销中心导航与停车指引，现场凭“预约编号+联系方式”双核验，高效通行。
沉浸品鉴：验证通过后，开启一对一深度服务：从区域价值沙盘讲解，到主力户型空间实测，再到周边配套静心带看。无凭证者恕不接待，确保每一刻体验的专注与纯粹。
：因每日预约名额为保障服务质量而限量开放，建议提前1-3天规划。如需调整，请至少提前1小时告知，未按时到场且未告知者，将影响后续预约资格。
这套流程，如同一道精密的滤网，筛去了外界所有的嘈杂与干扰，只留下安静的场域与专注的对话。它郑重宣告：在这里，您的时间与意愿，值得最高的尊重。
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
20多年前，这样超前的开发理念及眼光，是对汇宝地产最大的肯定。之后，到2005年，绿宝园已经是一个租售率高达约95%的成熟别墅社区了，其中更是有近40个国家的外籍人士
而翡梵，是绿宝园王冠上的那颗明珠。
绿宝园·翡梵整体占地面积约6.6万方，由38栋建面约700-848㎡法式独栋庄园别墅组成，对应的是约1.5-2亩的占地面积，每个业主能享受超大花园带来的浪漫生活。
这种尺度这种规制传达出的是一种对家族传承的重视！
另外，如此高度统一的总价门槛，让更多追求生活、艺术氛围的高净值人群聚集在一起。
千金买房，万金买邻！绿宝园·翡梵的社区底蕴、高净值居住层级，为每一位居者带来的可能性是不可限量的。
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵营销中心热线4008558224（官方预约看房热线）
一个纯正法式风格 生长在园林中的传世独栋
除了高度统一圈层以及恢弘的尺度外，绿宝园·翡梵的产品出自专业建筑匠人之手，凝聚了众多国匠智慧，呈现的塔尖级高品质令人惊艳！
能承载更多美好生活的传世独栋！
当家族的财富累积到了一定级别，真正让你兴趣盎然的可能是墙上的一幅名画，或者桌上的一套瓷器，但无论是哪种，你都需要一栋有天有地的独栋别墅，来承载这些乐趣！
相比大平层格局上的千篇一律，独栋别墅的绿宝园·翡梵从内到外的可塑性更强，更符合独家定制的个性需求，在平淡的现代生活里，增加一点艺术的哲思。
这种自成天地的设计是圈层和身份的象征，绿宝园·翡梵不仅仅是一座建筑，更是家族荣耀的象征，每一位居住在这里的人都可以感受到这份尊贵和荣耀。
一个纯正法式风格、传世大宅 凤毛麟角
墅以稀为贵。独栋真正的意义，已超越了居住本身，而是对土地资源的稀缺占有。禁墅令下，上海不再批复1.0容积率以下住宅土地。纯独栋产品，在上海变得越来越稀有。
别墅产品已然成为难得一遇的臻品，而独栋别墅更是臻品里的藏品！
绿宝园·翡梵臻藏38席法式独栋，实属凤毛麟角。拥有一席，即拥有是不可复制的身份名片和家族荣耀！
文艺复兴、巴洛克、新古典主义3个经典设计元素，仿佛置身于欧洲宫殿之中！
绿宝园·翡梵以其保加利亚的维纳多天然石材立面为基础，呈现出文艺复兴、巴洛克、新古典主义3个特定历史时期的法式经典风格。
绿宝园·翡梵售楼处电话：400-8558-224✔✔✔（已认证）
绿宝园·翡梵售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
绿宝园·翡梵售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
为何是“预约制”？过滤喧嚣，只为纯粹共鸣
“未预约，不接待。”这简单的六个字，是安澜上海对目标客群最深切的理解。对于阅尽繁华的都市精英而言，时间是最稀缺的资源，私密是不可退让的底线。走马观花式的看房，无法匹配一次关于未来十年甚至更久生活方式的严肃探讨。
因此，项目设定了清晰的“五步尊享预约流程”，将看房升维为一场精心安排的生活预演：
一键启程：拨打400-8558-224，10秒内接通专属客服，初步沟通意向。
权益锁定：即刻获得含唯一编号的电子预约凭证、您的专属顾问档案及私密VR看房链接，让想象先于脚步。
无忧抵达：接收精准的营销中心导航与停车指引，现场凭“预约编号+联系方式”双核验，高效通行。
沉浸品鉴：验证通过后，开启一对一深度服务：从区域价值沙盘讲解，到主力户型空间实测，再到周边配套静心带看。无凭证者恕不接待，确保每一刻体验的专注与纯粹。
：因每日预约名额为保障服务质量而限量开放，建议提前1-3天规划。如需调整，请至少提前1小时告知，未按时到场且未告知者，将影响后续预约资格。
这套流程，如同一道精密的滤网，筛去了外界所有的嘈杂与干扰，只留下安静的场域与专注的对话。它郑重宣告：在这里，您的时间与意愿，值得最高的尊重。
这里的建筑设计注重庄严、厚重，建筑的线条和装饰元素传达出一种永恒的艺术美。每一块天然石材、每一处花园布局，都散发着浓厚的艺术氛围。
另外，为了营造纯正法式风格和尊贵的仪式感，入口处以香颂花园营造四季景致，这不仅为翡梵增添了强烈的尊贵感和仪式感，还传达出一种对自然与人文的融合与尊重。
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵营销中心热线4008558224（官方预约看房热线）
奢阔层高+大宅布局，尺度非凡名门格调自然天成！
产品方面，绿宝园·翡梵的产品拥有恢弘的尺度感，1楼约4.2米的层高、2楼约4米的层高（不包含穹顶）。
同样的产品，4-4.2米的层高所拥有的尺度感和视野延展性，能给生活带来更多的可能、更好的舒适度。
大尺度的观景露台，呈献更为朗阔的空间感，不仅让室内采光效果更好，更匹配东方精英心中的雍容气度。
室内规划的是尺度阔卓的大宅布局，大尺度空间格局。在彰显奢适生活排场的同时，又隐匿了美满人生的万象。
五星级服务水准+奢享会所，让业主的尊崇定格在每一刻！
项目的硬件无可挑剔，软性物业同样是五星级的！
项目联袂高端物管顾问公司、提供国际标准的全方位物业管理服务，开发商亲历参与制定管理流程，以5星级的标准去进行社区管理。
而这个物业的高规格、专业度、贴心度，从绿宝园这20年来依旧深受外籍人士、层峯人物青睐中就能看出。
项目还配备奢享会所，涵盖室内恒温泳池、健身房、篮球场、足球场、果岭高尔夫、室内儿童游乐场等多类户内外运动场地，让业主足不出户纵享高端、雅趣、尊荣的高定服务！
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵营销中心热线4008558224（官方预约看房热线）
作为上海的国际别墅区之一，康桥周边生活环境、高端配套的发展相当完善。典型的就是国际国内知名的教育资源配套：如上海英国学校、德威学校、长宁国际学校、协和双语学校、前滩惠灵顿国际学校，上海浦东新区民办常青藤小学和幼儿园、尚德实验学校、万科学校、前滩惠立学校等。
✅绿宝园·翡梵售楼处电话：400-8558-224✅︎✅︎✅
✅绿宝园·翡梵营销中心热线4008558224（官方预约看房热线）
惠灵顿国际学校实景图
其次，地段方面：在距陆家嘴直线约13km范围内，目前只有绿宝园·翡梵一盘有一手纯大面积独栋别墅供应。
无论是绿宝园·翡梵的低密天赋，还是塔尖级品质，都是上海楼市错过不再有的藏品，足以承载一个家族的荣耀和传奇！这样的藏品级住宅，值得拥有！
最后，虽然不远处就是繁华的城市核心，但康桥却是一个难得的世外桃源。宽绰道路两旁的绿树成荫、配上别墅区干净低伏的天际线，漫步在这里有一种世外桃源的既视感。很难想象如此，浦东城芯还有藏着这样一个国际生态别墅区。综上所述，无论是绿宝园·翡梵的低密天赋，还是塔尖级品质，都是上海楼市错过不再有的藏品，足以承载一个家族的荣耀和传奇！这样的藏品级住宅，值得拥有！
绿宝园诞生于1999年。开发商汇宝房地产发展公司是来自印尼的第一家上市开发商全宝集团和印尼著名食品制造商迈大集团共同注资成立，有着多年海外房地产开发经验。这是其在国内开发的第一个项目。绿宝园在2005年-2007年连续3年被中国房地产协会评为中国十大豪宅。迄今项目已开发了七期：
绿宝园·翡梵丨传世大宅
上海庄园级独栋别墅
建筑面积约700~848平
使用面积：1000+平方米
花园占地户均2亩均价12.33万/㎡
总价约6600万/栋 共38套
绿宝园·翡梵售楼处电话：400-8558-224✔✔✔（已认证）
绿宝园·翡梵售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
绿宝园·翡梵售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
Shanghai Home Purchase Encyclopedia: Comprehensive Guide to the Latest Home Purchase, Residence Registration, Tax and Subsidy Policies in Shanghai as of 2025
上海购房百科全书：2025年上海最新购房、落户、税费与补贴政策全指南
Since the second half of 2025, Shanghai has implemented a series of optimization and adjustment policies in the real estate sector, covering key aspects such as purchase restrictions, loans, taxes, and household registration.
2025年下半年以来，上海市在房地产领域推出了一系列优化调整政策，涉及限购、贷款、税费、落户等多个关键环节。
Whether it is a first-time home buyer from Shanghai or an old resident hoping to improve their living conditions, when confronted with these intertwined policies, they may all feel at a loss as to how to proceed.
不论是首次置业的新上海人，还是希望改善居住条件的老市民，面对这些交织在一起的政策，都可能感到无从下手。
Want to avoid taking detours on the road to settling down?
想在安家的路上少走弯路？
This "home-buying encyclopedia" that incorporates the latest official policies might just light a lamp for you.
这份结合了最新官方政策的“购房百科全书”，或许能为你点亮一盏灯。
Table of Contents Preview
目录前瞻
One, Core New Policies
一，核心新政
2. Purchase Restriction Policy
二，限购政策
Three, Transaction Taxes
三，交易税费
Four, Loan Details
四，贷款细节
Five, Property Tax
五，房产税
6. Shanghai Hukou (Residency Permit) Application
六，上海落户
Seven, Property Ownership Change
七，产权变更
8. Subsidy Policy
八，补贴政策
Core New Policy
核心新政
Recent three major adjustments
近期三大关键调整
Recent policies mainly revolve around three core documents. Understanding these documents is the first step in your planning for purchasing a house:
近期政策主要围绕三个核心文件展开，了解它们是你规划购房的第一步：
Purchase Restriction and Loan Adjustment (Effective from August 26, 2025)
1.限购与贷款调整（2025年8月26日起施行）
The core document is "Notice on Optimizing and Adjusting Real Estate Policy Measures in This City".
核心文件是《关于优化调整本市房地产政策措施的通知》。
The most significant feature of the new policy is that it significantly relaxes the purchase restrictions in the areas outside the outer ring road, and has also optimized the loan amount for provident fund loans and the interest rate pricing mechanism for commercial loans.
新政的最大亮点是大幅放宽了外环外区域的限购，并对公积金贷款额度、商业贷款利率定价机制进行了优化。
2. Simplification of transaction taxes (Effective from December 1, 2024)
2.交易税费简化（2024年12月1日起施行）
According to the announcement of the national ministry, Shanghai has abolished the "ordinary housing" and "non-ordinary housing" standards that had been in effect for many years.
根据国家部委公告，上海取消了执行多年的“普通住房”与“非普通住房”标准。
This change directly affects the calculation of value-added tax and personal income tax, making the tax rules more unified and simplified.
这一变化直接影响增值税、个人所得税的计算，使得税费规则更加统一和简化。
3. Update of Talent Settlement Policy (Effective from December 1, 2025)
3.人才落户政策更新（2025年12月1日起施行）
The Shanghai Municipal Government has issued the new version of the "Measures for Applying for Permanent Residence in Shanghai by Introducing Talents" and the "Measures for Applying for Permanent Residence in Shanghai by Holders of the Shanghai Residence Permit".
上海市政府印发了新版的《上海市引进人才申办本市常住户口办法》和《持有〈上海市居住证〉人员申办本市常住户口办法》。
The new regulations have clearly defined the conditions and procedures for talent introduction and the "residence-to-citizenship" conversion process.
新办法对人才引进和“居转户”的条件与流程进行了明确。
Purchase Restriction Policy
限购政策
Buying properties outside the outer ring area is no longer restricted.
外环外购房不再受限
The adjustment in August 2025 significantly reshaped the housing purchase restrictions in Shanghai, with different regions becoming new boundaries.
2025年8月的调整，对上海的限购格局进行了重要重塑，区域成为新的分界线。
Households with local household registration in this city
本市户籍家庭
Outer Ring Area: No purchase restrictions.
外环外区域：不限购。
Outer Ring Inner Area: Limited to purchase of 2 housing units.
外环内区域：限购2套住房。
Non-resident family from outside the city
非本市户籍家庭
Outer Ring Area: If you have continuously paid social security or individual income tax for one year or more in this city, you can purchase any number of properties without restrictions.
外环外区域：在本市连续缴纳社保或个税满1年及以上，即可不限套数。
Outer Ring Inner Area: Applicants must have continuously paid social security or individual income tax in this city for at least 3 years or more, and can purchase only 1 property.
外环内区域：需在本市连续缴纳社保或个税满3年及以上，限购1套住房。
Important Note: In the policy, "residential households" also include single adults.
重要提示：政策中的“居民家庭”包括成年单身人士。
For specific inquiries regarding the purchase restrictions, you can call the industry service hotline for assistance.
关于限购的具体业务，可拨打行业服务热线咨询。
Transaction taxes
交易税费
How much is the cost when buying and selling?
一买一卖，成本几何？
After the "practical housing" standard was abolished, the tax calculation for second-hand property transactions became much clearer.
取消“普宅”标准后，二手房交易的税费计算变得更为清晰。
Here are the key taxes you need to know and the latest rules.
以下是你需要了解的关键税种和最新规则。
Personal taxes and fees for selling a house
个人出售住房主要税费
Value-added Tax and Additional Taxes
增值税及附加
Holding for 2 years or more: Exemption.
持有满2年：免征。
Less than 2 years of holding: Pay 5% of the total sales price as value-added tax.
持有不足2年：按全部售价的5%缴纳增值税。
The additional tax (such as urban maintenance and construction tax, etc.) is currently halved.
附加税（城市维护建设税等）目前减半征收。
Personal Income Tax
个人所得税
"Full Five-Year Home Exemption": This means that if you own a home for a full five years and it is your only residence in the family, you are exempt from taxes.
“满五唯一”：即持有满5年且是家庭唯一住房，免征。
Other cases: Usually, it is calculated at 20% of the transfer income or through核定征收 (1% of the transfer income).
其他情况：通常按转让所得的20%或核定征收（按转让收入的1%）计算。
Taxes and fees for individual home purchases
个人购买住房主要税费
Property Tax: The tax rate is determined based on the number of housing units and the area of the property.
契税：税率根据家庭住房套数和面积确定。
First home: Area ≤ 140 square meters, tax rate 1%;
首套房：面积≤140㎡，税率1%；
Area > 140 square meters, tax rate 1.5%.
面积>140㎡，税率1.5%。
Second home: Area ≤ 140㎡, tax rate 1%;
二套房：面积≤140㎡，税率1%；
Area > 140㎡, tax rate 2%.
面积>140㎡，税率2%。
Practical tools: For instance, paying personal housing property tax and querying real estate information, all can be conveniently handled on the "Shenzhun Fu Mingyun" APP.
实用工具：个人住房房产税缴纳、不动产信息查询等，均可在“随申办市民云”APP上便捷办理。
Loan Dual Channels
贷款双通道
Pension Fund and Commercial Loan Policies
公积金与商业贷款政策
The crucial support for purchasing a house mainly comes from two channels: the provident fund and commercial loans.
购房资金的重要支持，主要来自公积金和商业贷款两大渠道。
Pension Fund Loan
公积金贷款
Interest Rate (Effective from May 8, 2025)
利率（2025年5月8日起）
First home loan: Interest rate of 2.1% for terms of 5 years or less (inclusive), and 2.6% for terms longer than 5 years.
首套房：5年以下(含)年利率2.1%，5年以上2.6%。
Second home: Interest rate for loans with a term of 5 years or less (inclusive) is 2.525%, and for loans with a term of more than 5 years, it is 3.075%.
二套房：5年以下(含)年利率2.525%，5年以上3.075%。
Credit limit
额度
Base credit limit: For the first home, the maximum is 1.84 million yuan; for the second home, the maximum is 1.495 million yuan.
基础额度：首套最高184万元，二套最高149.5万元。
Upward limit: For the purchase of new green buildings of grade two or above, the maximum limit can be further increased by 15%.
上浮额度：购买二星级及以上新建绿色建筑住房，最高额度可再上浮15%。
For families with multiple children, the maximum loan amount for the first green building purchase can reach 2.16 million yuan.
多子女家庭购买首套绿色建筑，最高可贷216万元。
Extracted policy: Support the withdrawal of provident fund to pay the down payment for newly built pre-sale commercial housing, and the withdrawal will not affect the calculation of the provident fund loan limit (i.e., "withdraw and then borrow").
提取新政：支持提取公积金支付新建预售商品住房的首付款，且提取后不影响公积金贷款额度计算（即“又提又贷”）。
Commercial loan
商业贷款
The determination of first and second homes (in line with the current policy):
首套二套的认定（同现有政策）：
Having no property in one's name is regarded as the first home, while having a property is considered as the second home.
1.名下无房认定为首套，有房认定为二套
2. If the property was previously owned jointly by the client and their parents, or if the client was underage at that time, 2 units can be excluded.
2.客户限购政策之前或未成年之前于父母共有的均可剔除2套
3. For families with multiple children who already have two mortgages and the interest rates for both are the same as those for the first home, the interest rate for the third home will be calculated as that of a second home. For the rest, it will be calculated as that of the first home.
3.多子女家庭名下已有两套房贷再还且利率均为首套的，第三套利率按照二套计算，其余均按首套计算
4. Restrictions on loan applications for non-multi-child families purchasing their third home.
4.非多子女家庭购买第三套住房的限贷。
5. The relocation funds prohibit commercial loans and limit personal loans.
5.动迁款破限购商贷限贷。
The down payment ratio and interest rate for the second set:
二套的首付比例及利率：
1. For the first loan of 15%, with a loan amount of less than 5 million, the interest rate is Ipr - 45bp = 3.05%. For those with a loan amount exceeding 50% and greater than 5 million, the interest rate is Ipr - 40bp = 3.1%.
1.首套15%，贷款金额500万以下的，利率为Ipr-45bp=3.05%，超过5成且金额大于500万的，利率为Ipr-40bp=3.1%
2. For the second set, the interest rate is 25%. If the loan amount is less than 50% of the contract price or less than 5 million yuan, the interest rate is Ipr - 41bp = 3.09%. For those with a loan amount exceeding 50% and more than 5 million yuan, the interest rate is Ipr - 36bp = 3.14%.
2.二套25%，贷款金额小于合同价5成或贷款金额500万以下的，利率为Ipr-41bp=3.09%，超过5成且金额大于500万的，利率为Ipr-36bp=3.14%
The commercial loan interest rates for the five major new districts in Shanghai (Jiading, Qingpu, Songjiang, Fengxian, and Nanhai) are as follows:
上海五大新城（嘉定、青浦、松江、奉贤、南汇）的商业贷款利率执行情况如下：
First home commercial loan: The current interest rate is the 5-year LPR minus 45 basis points, which is 3.05%.
首套住房商业贷款：目前执行利率为5年期LPR减45个基点，即3.05%。
Two-home commercial loan: The execution rate is the 5-year LPR minus 25 basis points, which is 3.25%.
二套住房商业贷款：执行利率为5年期LPR减25个基点，即3.25%。
It should be noted that since August 26, 2025, the commercial mortgage loan interest rate policy in Shanghai has been adjusted. Banks can determine the specific interest rate level reasonably based on factors such as the customer's risk status. The actual executed rate may vary slightly due to the differences in banks and customers.
需注意，自2025年8月26日起，上海商业房贷利率政策调整，银行可根据客户风险状况等因素合理确定具体利率水平，实际执行利率可能因银行和客户情况略有差异。
Regarding the adjustment of mortgage rates for existing properties
关于存量房利率的调整
For customers whose accounts have been transferred but whose funds have not yet been disbursed, they should sign the amendment agreement and directly follow the new policy.
1.已经过户但尚未放款的客户，签署变更协议，直接按照新政策执行
2. For existing home buyers who have already received the loan funds, they can change the interest rate through their mobile banking or by contacting the lending bank. The interest rate for the first home remains unchanged, while for the second home, it can be adjusted to LPR - 14bp = 3.36%.
2.已经放款的存量房客户，自己可在手机银行或联系贷款银行变更利率，首套无变动，二套可lpr-14bp=3.36%
The mechanism for setting bank loan interest rates has been optimized, and there is no longer a distinction between first-home and second-home purchases.
银行贷款利率定价机制已优化，不再区分首套和二套住房。
The specific interest rate levels are determined by each bank based on the market interest rate self-discipline mechanism, its own operations, and the risk status of its customers.
具体利率水平由各银行根据市场利率自律机制、自身经营和客户风险状况确定。
Property Tax
房产税
Who needs to pay?
哪些人需要缴？
How can it be reduced?
怎么减免？
The property tax in Shanghai mainly targets newly purchased houses.
上海的房产税主要针对新购住房。
The new policy in 2025 significantly reduced the tax burden for non-local household residents.
2025年的新政，显著减轻了非本市户籍家庭的税负。
Taxable Object
征税对象
The second or subsequent housing purchases made by resident families in this city, as well as the housing purchases made by non-resident families.
本市居民家庭新购的第二套及以上住房，以及非本市居民家庭新购的住房。
Key reduction policy (to be implemented as of January 1, 2025)
关键减免政策（2025年1月1日起执行）
First home: For non-local household members who meet the criteria, the first home they own in the city is exempt from taxation.
首套房：符合条件的非本市户籍家庭，其家庭第一套住房暂免征收。
For two units or more: The portion of the family's per capita housing area that is ≤ 60 square meters is tax-free;
二套及以上：家庭人均住房面积≤60㎡的部分免税；
the portion exceeding this limit is subject to taxation.
超出部分征税。
Discount conditions: Home buyers must have held a local residence permit for at least 3 years and have been working and living in Shanghai.
优惠条件：购房人需持有本市居住证满3年并在沪工作生活。
Those whose residence permits have not been held for 3 years can first pay taxes and then apply for a refund of the taxes paid after the 3-year period.
居住证未满3年的，可先缴税，待满3年后申请退还已缴税款。
How to proceed: Taxpayers who meet the conditions but have already paid taxes can apply to the tax authority in their place of residence for re-verification and to process a tax refund.
如何办理：符合条件但已缴税的纳税人，可向住房所在地税务机关申请重新认定并办理退税。
Shanghai Hukou Registration
上海落户
Talent Introduction and Residence-to-Hukou Transfer
人才引进与居转户
Obtaining Shanghai household registration means that the housing purchase qualification is automatically resolved.
获得上海户籍，意味着购房资格自动解决。
There are mainly two ways: "talent introduction" and "residence-to-citizenship conversion". The new policy has been implemented since December 2025.
主要有“人才引进”和“居转户”两大途径，新办法已于2025年12月施行。
Direct household registration for talent recruitment
人才引进直接落户
Applicable objects: Outstanding domestic talents who are urgently needed by employers in this city.
适用对象：本市用人单位引进的紧缺急需国内优秀人才。
Main categories: include high-level talents, urgently needed talents in key industries, highly skilled talents, and market-oriented innovation and entrepreneurship talents, etc.
主要类别：包括高层次人才、重点产业紧缺急需人才、高技能人才、市场化创新创业人才等。
Regional Privileges: Employers registered in Pudong New Area and Lianjiang New Area can have their applications approved independently by the respective regions.
区域特权：注册在浦东新区、临港新片区的用人单位，可由该区域自主审批。
Change of residence registration
居转户
Basic conditions (must be met simultaneously)
基本条件（需同时满足）
Having held the "Shanghai Residence Permit" for a cumulative period of 7 years.
持有《上海市居住证》累计满7年。
During the period of holding the certificate, one must have paid social insurance for a full 7 years as required.
持证期间按规定缴纳社保满7年。
During the period of holding the certificate, one has legally paid personal income tax in Shanghai.
持证期间依法在沪缴纳个人所得税。
In this city, one must be appointed as a professional position at the intermediate level or above, or hold a vocational qualification of technician or above, and the social security contribution base must reach a certain market standard.
在本市被评聘为中级及以上专业技术职务或技师以上职业资格，且社保缴费基数达到一定市场标准。
Incentive conditions (satisfying which can shorten the duration or relax the requirements)
激励条件（满足可缩短年限或放宽要求）
Meeting the social security contribution base standard: Within the past 4 years, the social security contribution base has reached twice the average salary of the city for 36 consecutive months. This allows for exemption from the requirement of professional title.
社保缴费基数达标：最近4年内累计36个月社保缴费基数达到上年度本市平均工资2倍，可不受职称限制。
Regional preferential policy: Working in key areas such as Lingang New Area, Zhangjiang Science City, and the five new towns can result in a shorter requirement for the duration of residence for obtaining local citizenship.
区域优惠：在临港新片区、张江科学城、五个新城等重点区域工作，可享受更短的落户年限要求。
Change of property rights
产权变更
List of Gifts, Inheritances and Transactions
赠与、继承与交易清单
Apart from sales and purchases, there are also methods such as gifts and inheritances for the transfer of property rights of a house. The costs and procedures vary from one another.
除了买卖，房屋产权的转移还有赠与和继承等方式，其成本和流程各不相同。
Gift
赠与
Main expenses: The recipient is required to pay a 3% deed tax.
主要费用：受赠方需缴纳3%的契税。
Stamp duty may also be involved.
双方可能涉及印花税。
Gifts between immediate family members are usually exempt from value-added tax and personal income tax.
直系亲属间的赠与，通常免征增值税和个人所得税。
Notary fees: For notarizing a gift contract, the fee is calculated based on the area of the beneficiary's share, at a rate of 80 yuan per square meter;
公证成本：办理赠与合同公证，费用按受益份额的面积计算，标准为每平方米80元；
for proving a unilateral gift, the fee is halved.
证明单方赠与的，减半收取。
Inheritance
继承
Key features: The property is inherited by the legal heir, exempt from value-added tax, personal income tax and deed tax, and the cost is relatively low.
主要特点：法定继承人继承房产，免征增值税、个人所得税和契税，成本较低。
Notary fee: For the notarization of inheritance rights, the fee is also calculated based on the area. The standard rate is 80 yuan per square meter.
公证成本：办理继承权公证，费用同样按面积计算，标准为每平方米80元。
Core List of the House-for-House Transaction Process
二手房交易流程核心清单
Qualification verification: The qualifications of the buyers will be reviewed through the "One-Stop Online Service" or the local transaction centers.
1.资格核验：通过“一网通办”或各区交易中心进行购房人资质审核。
2. Signing the Contract: Sign the "Shanghai Real Estate Purchase and Sale Contract" and pay the deposit.
2.签约：签订《上海市房地产买卖合同》，并支付定金。
3. Online Contract Registration and Record Filing: The contract is registered online, locking the property.
3.网签备案：合同网上备案，锁定房源。
4. Fund Supervision: The down payment or the full payment is deposited into the supervision account of the bank or the trading center.
4.资金监管：首付款或全款存入银行或交易中心的监管账户。
5. Tax Audit: Go to the tax office to make the relevant declarations and pay the taxes (such as value-added tax, individual income tax, and deed tax, etc.).
5.涉税审核：到税务窗口申报并缴纳相关税费（增值税、个税、契税等）。
6. Property transfer: Both parties present the tax payment certificate and other relevant documents, go through the registration process for the transfer of real estate, and obtain the new property ownership certificate.
6.产权过户：双方携带完税证明等材料，办理不动产转移登记，领取新的不动产权证。
7. Loan (if any): The buyer will handle the mortgage registration with the new property certificate. The bank will disburse the loan to the escrow account, and the seller will receive the full payment for the house.
7.贷款（如有）：买方凭新产证办理抵押登记，银行放贷至监管账户，卖方收到全部房款。
8. Property Handover: Complete the name change procedures for water, electricity, gas, and cable TV, and finalize the property transfer.
8.交房：办理水、电、煤、有线电视等户名变更，完成房屋交接。
The "Shen Shen Bao" APP offers the "Water, Electricity, Gas, and TV Joint Processing for Transfer" service.
“随申办”APP提供“水电气视联办过户”服务。
Subsidy policy
补贴政策
Trade-in and Talent Incentives
以旧换新与人才激励
Currently, Shanghai is supporting housing consumption through various means.
当前，上海正通过多种方式支持住房消费。
"Trade-in Program Support"
“以旧换新”支持
In the municipal plan for boosting consumption, Shanghai has explicitly stated the goal of "better meeting housing consumption demands", supporting residents' demand for both primary and improved housing, and exploring the optimization of the use policies for the provident fund.
上海在市级提振消费方案中明确提出“更好满足住房消费需求”，支持居民刚性和改善性住房需求，并探索优化公积金使用政策。
Although there is no unified cash subsidy policy at the municipal level, some regions or developers may jointly launch specific "trade-in" activities, involving priority selling of old properties and preferential purchase of new ones, etc.
虽然市级层面未统一规定现金补贴，但部分区域或开发商可能联合推出具体“以旧换新”活动，涉及优先卖旧、优惠购新等。
Talent Housing Subsidy
人才购房补贴
Shanghai does not have a unified city-wide policy for housing subsidies or discounted prices for talents.
上海未设置全市统一的人才购房补贴或优惠价格政策。
The housing welfare for talents is mainly achieved through forms such as talent apartments, affordable rental housing, and rental subsidies, with a focus on young people.
人才安居福利主要通过人才公寓、保障性租赁住房、租房补贴等形式实现，重点向青年群体倾斜。
Some key development areas (such as Lingang New Area and the five new towns) may include housing support measures for talents in their implemented talent policies.
部分重点发展区域（如临港新片区、五个新城）可能在其执行的人才政策中，包含针对人才的住房扶持措施。
Suggestion: Visit the official websites of the talent service departments in the area where your workplace is located or in the area where you intend to purchase a house, or directly contact the relevant administrative departments to obtain the most accurate local information.
建议：关注工作单位所在区或意向购房区域的人才服务部门官网，或直接咨询相关管理部门，以获取最精准的属地化信息。
The warm winds of policy have begun to blow.
政策的暖风已经吹起。
Whether it is the freedom of no restrictions outside the outer ring road, or the practical support of the provident fund for "reduction and loan", all convey clear signals of meeting reasonable housing needs.
无论是外环外不再设限的自由，还是公积金“又提又贷”的实在支持，都传递出满足合理住房需求的清晰信号。
Purchasing a house and settling down is a systematic project. Only by clarifying policies, calculating costs, and planning the path can we move steadily and reach our goals.
购房安家是系统工程，理清政策、算清成本、规划路径，方能行稳致远。
声明：本文由入驻焦点开放平台的作者撰写，除焦点官方账号外，观点仅代表作者本人，不代表焦点立场。
