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✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎
✅✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
突发最新重磅消息
世界级中轴线源点、云城核心C位
滨江西站·云杭里
首开车宅超罄
据小道爆料
云杭里首批均价约36129元/平
主力4/500万级改善4房
有客户提前3小时排队买房
连车位都要靠抢
从价格维度来说：
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
板块此前限价体系锚定3.6万/平，云杭里的首开均价，相当于直接回调至2年前的价格水位。5万元的购房补贴虽非巨款，但在精算层面堪称“杠杆支点”，补贴后可直接把首付门槛降低，或覆盖几年物业费，对于自住客群，这是实打实的“现金流减压阀”。
从稀缺性来说：
在杭州“取消限价、回归市场”后的首个窗口期，云杭里并未选择追高，反而以“类限价盘“的姿态出现，为购房者筑起一道对抗周期波动的安全垫。
正是这样十足的质价比，让项目案场销售忙到脚不沾地，首开车宅超罄：
数据不会骗人，热度肉眼可见。基本可以肯定「政策托底+需求释放」的良性循环，透过云杭里的火爆热销，也可以看出楼市小阳春已经落地的事实。
云杭里很快就会加推！对于真正有需求的朋友们，建议大家去项目现场实地看起来～
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
滨江西站·云杭里
直距500米内天元公学、云城天街（在建）、4条地铁
板块首个「好房子」试点项目
诚邀品鉴
约3.61万/平，云城核心C位
稀缺的「均好」楼盘
「规划强+站位高+兑现快」，是云城给人的第一印象！
众所周知，云城以杭州西站为枢纽，靠着数字经济科创产业发力，狂飙不止。串联未来科技城构建杭州新中心，也是联通长三角城市群（如上海、苏州、合肥、湖州、衢州等）的区域中心。
更让人心潮澎湃的，是磅礴的科创能量在持续加码井喷中。比如今年3月，有着「中国人工智能国家队」之称的科大讯飞项目签约城市新中心，为区域发展腾飞赋能。
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
交通发力：超级流量口的爆发
细品一下云城核心区现在的交通基本面：
先说西站，目前已经开通杭温高铁、沪苏湖高铁、杭衢高铁等，未来还将接入在建中的沪乍杭高铁，可通达全国25个省级行政区，150余个地级市。
根据杭州西站枢纽最新统计，从2022年开站以来，杭州西站总客流量已突破5000万人次，运输能力迎来井喷。
杭州西站实景图，来源：杭州西站枢纽官微
再看地铁，除了现有3号线、19号线，以及12号线在建中，远期规划还有地铁20号线，串联起黄龙商务圈、武林商圈、城西银泰城、未来科技城、钱江新城、西溪湿地、萧山机场等全城重要商圈与地标节点。
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
云杭里直线距离约500米就是杭州唯一特级TOD中心枢纽+4条地铁交汇的交通极核，超越其它任意区域，很多人抵达杭州的第一站、第一眼就是云城，「世界归来看云城」实至名归！
云城实景图，来源：杭州生产性服务业促进会官微
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
配套发力：生活烟火气高级且浓郁
项目自带商业，在家门口就能满足日常生活需求。
直线距离约500米有「金手指」西站综合体（在建）、新加坡赞美广场（在建）；直线距离约3公里梦想小镇、EFC、万达广场、宝龙广场等一站式商业环伺，繁华在握。
项目紧邻在建中的云城天街综合体，目前正在以扎实步伐全速推进，为云城高质量发展注入强劲动能。此外，约60.3万方的杭州银泰中心TOD城市综合体3月11日规划公示，预计即将全面开工。
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
云城天街综合体效果图
直线距离约500米是天元公学，2024年重高录取率70%以上、普高录取率90%以上，尊享十五年一贯制精英教育（数据来源：天元公学官微）。不止于此，位于云城的杭州外国语学校新校区项目，已于近日完成公示，开工在即。（期房不承诺学区，最终以教育局文件为准）
天元公学实景图
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
项目对望杭州第一高楼群「云门四件套」。（目前在云杭里样板房里就能看到地标天际线）。
还有项目直线距离约350米的云门公园（在建）占地面积约30公顷的世界级城市公园，整体规划面积为钱江世纪城公园与运河亚运公园之和。
看到了吗？历经几年的发展，云城统筹约58平方公里一体化开发，其核心区基本完成了职住平衡的功能规划拼图。
事实上，也是如此，你看这张图——
根据以上官方控规图显示：云城站南核心区宅地仅剩1宗，即将铺满。
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
云杭里占据c位，不仅享有极致配套的均好性，且政府和开发商都极为重视。项目定位云城首个「好房子」试点项目，由滨江集团与西站枢纽联袂打造，严格落实「好建筑、好装修、好景观、好配套、好服务」五维标准，提前预演未来美好生活的样本。
「五好」改善型先锋奢宅
质价比超高，即将加推
“让老百姓都能住上一套好房子”，滨江集团的品牌理念与近年国家倡导的“好房子”方向不谋而合。
3月20日，滨江集团2026年26大精品发布会盛大召开。其中云杭里就是滨江定位在西站TOD旁高端人居封面作品，以全抬板立体花园住区和高配泛会所配置，面向给城西科创精英的长期居住所。
滨江真正的护城河，不是规模，也不是融资能力，而是极为稳健的产品力。
如今，滨江重仓云城，迭代升级带来云杭里，推出新时代之下的滨江式好房子！
好建筑
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
好建筑不只是立面更好看，材料更高级，云杭里更在意的是，建筑能不能真正服务生活。
项目力邀GAD高级合伙人张微执笔建筑设计，整体呈两列一字型排开，更有利于通风、采光与视野打开，让高密度城市里的居住多一些舒展感。
宽约66米、高约9.5米的恢弘门庭，加上酒店式归家大堂、住宅首层人车分流、无感通行，把回家这件小事做出了礼序与体面。
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
采用Low-E中空玻璃幕墙、四面铝板、弧形收边，结合香槟色金属格栅，极高窗墙比与简练的现代风格，勾勒出质感高级的建筑立面，与申花千万级豪宅霞映锦绣里是同款设计。
好装修
买房看重的户型设计，云杭里这次也是做到了优秀。与板块大户型、或低密叠墅的高总价楼盘不同，云杭里置业门槛更低、总价更友好！
我们简单介绍下项目即将加推的户型。
建面约139方4房2厅2卫边套，实得率约91%，布局“优秀”。全封闭式阳台，三面采光，观景视野无敌。
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
除了全景边厅、主卧套房带270度环幕飘窗，这款户型还有独立收纳区，功能上可与市面上160方以上的户型掰手腕，栖居幸福指数极高。
第二个户型建面约127方——
建面约127方4房2厅2卫，类双套房设计，功能太牛了！
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
四开间朝南，三个房间和客厅均朝南，南向开间约13.5米，采光面阔绰媲美市面上140方以上户型了。
说回什么是好装修？真正的好装修并不是传统精装那种一眼惊艳的豪华感，而是精致、舒适、实用和耐久。
项目精心打造了拎包即可入住、更耐用更好用的美学样板间，囊括建面约119-159方多个户型。
硬核三件套如新风系统、中央空调（厨房也有）、地暖都已是标配，自不必说。
在品牌方面，也是甄选国人更用得习惯的尖货，比如厨房：方太高端系厨电四件套：玥影油烟机、三眼灶、洗碗机、蒸烤一体机，博世双开门冰箱。
实用性上更是不遑多让：仅收纳一项，云杭里就是做到满配。大到门口的玄关柜、主卧衣柜、储藏间（仅139方有）&过道柜，小到卫生间多功能镜柜，全部在交付标准内。
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
好景观
真正的好景观，不是只服务沙盘和效果图，而是让人愿意走进去、停下来、用起来。
云杭里汲取自然灵感，结合台地优势，构筑“一轴·五境·七景”景观序列，通过约1700方下沉庭院、约400方异形嬉水池，以及挑空廊架、阶梯步道、休闲卡座、阳光草坪、全龄健身空间等，构建出更有互动感与停留感的社区景观。
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
它不只是用来拍照和展示，更是希望业主下楼之后，真的愿意散步、遛娃、运动、发呆、会友。
好配套
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
云杭里的好配套，不是简单做大而全，而是把生活真正高频需要的内容放进社区半径之内。
你看，建面约2000方运动性主题泛会所里，集恒温泳池、健身房、室内篮球场、瑜伽室于一体的高品质空间，主打健康与社交的活力。
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
目前已呈现的四大主题架空层，如室内外联动童玩区，双层挑高约8米，内有剧场、儿童厨房、益智游戏、攀爬区、山丘滑梯等，外有飞船、峡谷滑梯等，这不比花钱的奈尔宝还要丰富精彩？
再如约276方共享书吧，有阅读区、自习室，以及静音舱，如果你是喜欢阅读的人对此会一见倾心。
当然少不了约440方圈层会客厅，除了私宴厅，还搭配棋牌室、花艺区、下午茶，不得不佩服项目想得太周到了。
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
好服务
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
滨江物业成立于1995年，是国家一级资质物业企业，长期积累了很强的口碑基础。
云杭里引进滨江物业四星服务体系，直观的如秩序维护、业主保修快速响应，以及特色运营服务、社群活动开展等，这样的服务颗粒度，没几个楼盘做得到。
总之，云杭里的价值在于，不只是给业主一套房，而是尽量把生活的烟火气、成长感和社区感一并安放进去，让居住从单一栖居功能，升级为更完整的日常生活场景。
小编还想说一句，杭州规自局已官宣，2026年宅地供应量断崖式下降，和去年已出让数量相比，直接减少26.7%！
不止如此，今年1季度仅出让3宗，和去年同期的32宗地相比，供应也是大幅缩水！不少机构都预判杭州新一轮新房房荒，可能要来了！
而云杭里，是云城核心区稀缺的优质宅地，珍贵度拉满！
据悉，项目首开车宅超罄，即将加推。抓住当下政策利好黄金窗口期，及时上车不失为明智之举。
滨江西站·云杭里
世界级中轴线源点｜云城核心C位
直距500米内天元公学、云城天街（在建）、4条地铁
板块首个「好房子」试点项目，加推在即
✅滨江西站·云杭里售楼处电话：400-8558-224✅︎✅︎✅
✅滨江西站·云杭里营销中心热线4008558224（官方预约看房热线）
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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。
