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悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
常熟祥源悦江南花园售楼处电话:400-9939-964...
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
Kunshan
昆山
Innovators and beneficiaries of the integrated development of the Yangtze River Delta
长三角一体化的创新者&受益者
The first city in the country to open a cross-city metro line
全国首条跨城地铁开通城市
It has ranked first among the top 100 counties in China for 16 consecutive years
连续16年位于全国百强县第一
Xiangyuan
祥源
An expert in landscape, garden and urban construction
造景造园造城专家
Top 10 national cultural and tourism real estate producers
全国文旅地产前10强
There are successful benchmark projects in more than 10 cities across the country
在全国10余个城市均有成功标杆项目
What kind of sparks will fly when the two of them meet in August 2021?
当他们两位在2021年8月相遇,会擦出怎样的火花呢 ?
!
!
Today, the editor will provide an in-depth interpretation of the project developed by Xiangyuan Real Estate in the southern new town of Kunshan
今天,小编就为大家深入解读一下祥源地产在昆山的南部新城开发的项目——
The sales office phone number of Yuejiangnan Garden is 400-9939-964. The official phone number of Xiangyuan Yuejiangnan Garden is 400-9939-964
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
Xiangyuan · Yue Jiangnan Garden
祥源·悦江南花园
Zhangpu is the next new hotspot around Shanghai
|张浦 环沪下一个新热点|
Kunshan - has ranked first among the top 100 counties and cities in China for 16 consecutive years. It is the first to rise among the first-generation Internet celebrities in the cities around Shanghai and also the first city to open a cross-city metro.
昆山——连续16年全国百强县市第一,环沪城市中率先崛起的初代网红,也是开通第一条跨城市地铁的城市。
With the integration of the Yangtze River Delta officially elevated to a national strategy, Kunshan has entered a new era of development. It will comprehensively, multi-field and deeply connect with Shanghai, take advantage of the Yangtze River Delta, be listed as a world city and attract global attention.
随着长三角一体化正式上升为国家战略,昆山步入新的发展时代,将全方位、多领域、深层次对接上海,借势长三角,入列世界城市,聚焦全球目光。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
Kunshan enjoys a superior geographical location
昆山地理位置优越
The new progress of Suzhou S1 Line and the westward extension of Line 17 have once again brought Kunshan into the public eye.
关于苏州S1号线新进展、17号往西延长线,让昆山又一次进入大家视野。
I won't elaborate on Kunshan in detail here. You can refer to the previous Kunshan special topic "How is this first-generation Internet celebrity around Shanghai Doing?!"
关于昆山的详细解读我在这边就不多做解读,大家可以参照之前的昆山专题《这位环沪初代网红,到底怎么样啦?!》
Or in 3 minutes and 57 seconds, if the chain is not in Shanghai, it will be in Kunshan, Shanghai
,或者用3分57秒,链上不是上海,就在上海的昆山
Of course, when it comes to purchasing a house and settling down, the areas that people are currently more familiar with are Huaqiao, Jinxi, Dianshan Lake, and Zhouzhuang. Previously, we have also recommended some of the more popular new housing projects to everyone.
当然落到购房安居的角度,大家目前比较熟悉的还是花桥、锦溪、淀山湖、周庄这些板块,之前也都为大家推荐过比较受关注的新房项目。
Today, we would like to recommend a project to you - Xiangyuan Yuejiangnan Garden, which is located in Zhangpu Town and is positioned as a key construction core area in the southern new town of Kunshan.
而今天为大家推荐的项目——祥源·悦江南花园,位于张浦镇,被定位为昆山南部新城重点建设核心区域。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
Zhangpu is located in the southern new town of Kunshan
张浦位于昆山南部新城
In the "Kunshan City Master Plan (2016-2030)", Zhangpu is clearly designated as the key construction core area of the southern new city of Kunshan. In the future, it will follow the overall layout of "one axis, two wings and two cores".
在《昆山市城市总体规划(2016-2030)》中明确张浦作为昆山南部新城重点建设核心区域,未来将围绕“ 一轴两翼双核 ”总体布局。
With Changjiang Road as the axis, it connects Wusongjiang Industrial Park to the west as the core cluster area for scientific and technological innovation carriers, the German Industrial Park to the right as the core cluster area for industrial development, and is adjacent to the main urban area of Kunshan to the north.
以长江路为轴,西接吴淞江工业园为核心科创载体集聚区,右侧的德国工业园为核心产业发展集聚区,北靠昆山主城区。
There are nearly 6,000 private enterprises in the entire region, 700 foreign-funded enterprises from 41 countries and regions, and 15 listed and listed companies, such as the well-known Shenzhou Computer, Hudian Co., LTD., Compal Technology, and Fresh Fruit Juice.
整个区域有近6000家民营企业,41个国家及地区的700家外资企业,上市挂牌企业15家,如我们耳熟能详的神州电脑、沪电股份、仁宝科技、鲜活果汁等。
It has provided over 100,000 high-quality jobs, boosting the economic and industrial development as well as the demand for housing in the entire region.
提供了10万+的优质工作岗位,拉升了整个区域的经济产业发展和住宅需求。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
The transportation sector is also constantly upgrading. Ground transportation, rail transit, high-speed rail and other transportation methods can easily reach the Yangtze River Delta urban agglomeration.
交通方面也在不断升级,地面交通、轨交、高铁等交通方式可畅达长三角城市群;
In the latest research document on the Kunshan rail transit planning, the K1 line (planned) passing through Zhangpu will connect to the S1 line - which can reach the urban area of Suzhou and also reach various central areas of Shanghai via the 11 line.
在最新的昆山轨道规划研究文件中,规划经过张浦的K1线(规划中),将连接S1号线——可以到达苏州市区,也可以通过11号线到达上海各中心区域。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
According to the plan, Line K1 will intersect with Line S1
据规划:K1线将于与S1交汇
In addition, you can also take the high-speed rail at Kunshan South Railway Station, which can take you directly to Shanghai/Hongqiao.
另外也可以在昆山南站乘坐高铁,可以直达上海/虹桥。
It can also be connected to Shanghai, the urban area of Kunshan and Suzhou Industrial Park via the Shanghai-Changzhou Expressway and the Kunshan-Suzhou Middle Ring Road.
也可以通过沪常高速、昆苏中环联接上海、昆山市区、苏州工业园区。
Moreover, as a key residential area for development, Zhangpu has also made very complete plans for educational resources and commercial facilities.
而且作为主力发展的居住板块,张浦在教育资源和商业配套的规划也非常完善。
The current plan includes 14 residential plots, 6 educational plots, 8 commercial plots and 4 business plots. It can be said to be a rare value highland in Kunshan.
目前的规划有14块住宅用地、6块教育用地、8块商业用地、4块商务用地,可以说是昆山不可多得的价值高地。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
At the same time, the housing prices in the one-digit range are also relatively reasonable in the current market around Shanghai. All these factors have made Zhangpu a "new hot spot" for property investment around Shanghai at present.
同时1字头的房价也是目前环沪市场中比较合适的价格,以上种种也使张浦成为当下环沪置业的“新热土”。
Xiangyuan Landscape, Garden and Urban Construction Expert
|祥源 造景造园造城专家|
Xiangyuan Holding Group Co., Ltd. was founded in 1992. It is a large enterprise group mainly engaged in cultural tourism investment and operation, and is the actual controller of listed companies Xiangyuan Culture and Jiaojian Co., LTD.
祥源控股集团有限责任公司始创于1992年,是一家以文化旅游投资运营为主导的大型企业集团,系上市公司祥源文、交建股份的实际控制人。
Over the past 28 years, Xiangyuan has created nearly 20 world-class tourist destination scenic spots with distinct Xiangyuan characteristics, including benchmark works such as the Ancient Town of Fenghuang in Hunan, Qiyun Mountain in Anhui, Taomu Mountain in Fujian, Danxia Mountain in Guangdong, and Laoshan Mountain in Shandong.
28年时间打造了近20余处极具祥源特色的世界级旅游目的地景区,包含湖南凤凰古城、安徽齐云山、福建太姥山、广东丹霞山、山东崂山等标杆作品。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
Some development projects of Xiangyuan
祥源部分开发项目
In terms of residential product development, Xiangyuan focuses on the development of luxury residences and the operation and development of urban complexes.
在住宅产品打造上,祥源专注于豪宅开发和城市综合体开发运营。
The projects that users in Shanghai are more familiar with should be Xiangyuan Xikang Road 989 in Putuo District and Xiangyuan Mancheng in Hangzhou Bay.
在上海的用户比较熟悉的项目应该是位于普陀的祥源•西康路989和杭州湾的祥源漫城。
Xiangyuan Xikang Road 989, a representative work of luxury housing development, is located in Putuo District, Shanghai. It has attracted the attention of home buyers in Shanghai even before its debut.
豪宅开发代表作——祥源西康路989位于上海普陀,在面世之前就受到上海购房者的关注。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
Real scene picture of Xiangyuan Xikang Road 989
祥源•西康路989实景图
As a representative work of urban complex development and operation, Xiangyuan Mancheng is located in the core area of the national-level Hangzhou Bay. It has been highly sought after by property buyers around Shanghai due to its integration of industry and city and the "cluster +TOD" model.
作为城市综合体开发运营代表作——祥源漫城位于国家级杭州湾核心区域,因为产城融合、“组团式+TOD”模式受到环沪置业者的追捧。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
Xiangyuan fills the entire city
祥源漫城
Xiangyuan · Yue Jiangnan Metropolis Central View Residence
|祥源·悦江南 都会央景住宅|
This time, Xiangyuan · Yue Jiangnan Garden, which is located in the core Science and Technology Innovation District of Zhangpu, is the first Jiangnan-style light luxury product that Xiangyuan has developed in Kunshan and also a benchmark project that it is striving to build.
而这次择址在张浦核心科创新区的祥源·悦江南花园,是祥源在昆山打造的首个江南系轻奢产品,也是着力打造的标杆项目。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
"Rendering"
效果图
The project's exterior facade features a warm color scheme combined with glass, presenting a modern and elegant style.
项目外立面暖色系+玻璃搭配,呈现现代典雅风格。
In terms of the shaping of the community and landscape, the project plans to have a central landscape garden of approximately 10,000 square meters, all-age sports scenarios, and five major theme social systems.
在社区和景观的塑造上,项目规划有约10000㎡的中央景观花园、全龄化运动场景、5大主题社交体系。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
常熟祥源悦江南花园售楼处电话:400-9939-964...
中央景观花园效果图
全龄化运动体系
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
Five major social systems
5大社交体系
The property management company of the project is Xiangyuan Property, which has received honors such as the first-class property service qualification. This also provides greater guarantee for the quality life of the owners after they move in.
项目的物业公司为旗下祥源物业,曾获一级物业服务资质等荣誉,这也为业主入住后的品质生活提供更大保障。
The complete set of facilities for the core residential area is in place
|配套 核心居住区的全套配齐|
The project is located in the core residential area of Zhangpu. Therefore, after moving in, the owners can enjoy the related supporting facilities such as transportation, commerce, education and ecology.
项目位于张浦核心居住区,因此业主入住后可以享受交通、商业、教育、生态等相关配套。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
常熟祥源悦江南花园售楼处电话:400-9939-964...
项目区位图
【交通配套】
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
High-speed rail: The project is 6 kilometers away from Kunshan South Railway Station.
高铁:项目距离高铁昆山南站6公里;
Self-driving: It is 5 kilometers away from the Changjiang Road exit of the Beijing-Shanghai Expressway.
自驾:距离京沪高速长江路出入口5公里;
The planned K1 metro line starts from Zhoushi, passes through Yushan Square, Kunshan South Railway Station, Qinhe Road, and ends at Xinwu Street.
轨交:规划中的K1地铁线从周市出发,途径玉山广场、昆山南站、亲和路,抵达新吴街。
Transfer to Line S1 (under construction) at Yushan Square Station, and in the future, you can quickly reach places like Suzhou and Shanghai.
在玉山广场站与S1号线(在建中)换乘,未来可快速抵达苏州、上海等地。
There are a total of 3 bus stops and 8 bus routes within an 800-meter radius around the bus project.
公交:公交项目周边800米范围内共有3个公交站,8条公交线路。
【 Educational Resources 】 : Zhangpu Central Kindergarten, Central Primary School, Xin Kun Primary School. It is planned to have 2 kindergartens, 1 primary school and 1 middle school.
【教育资源】:张浦中心幼儿园、中心小学、新昆小学,规划2所幼儿园、1所小学、1所中学。
【 Commercial Facilities 】 : Xincheng Wuyue Plaza and Yindu Commercial Plaza. In the future, 8 commercial plots of land are planned.
【商业配套】:新城吾悦广场、银都商业广场,未来规划8块商业用地。
The total price of all three bedrooms ranges from 1.25 million to 1.52 million
|全三房 总价125万-152万|
The Xiangyuan Yuejiangnan Garden project consists of 8 small high-rise buildings and high-rise buildings, with a total planned number of 1,026 units. The unit types are three-bedroom designs ranging from 90 to 95 square meters, with an average price of approximately 13,800 to 16,000 yuan per square meter and a total price of about 1.25 million to 1.52 million yuan.
祥源·悦江南花园项目由8栋小高层/高层组成,规划总户数1026套,户型为90-95㎡三房设计,均价约1.38万-1.6万元/㎡, 总价约125万-152万。
The sales office phone number of Yuejiangnan Garden is 400-9939-964. The official phone number of Xiangyuan Yuejiangnan Garden is 400-9939-964
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
常熟祥源悦江南花园售楼处电话:400-9939-964...
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
This 90-square-meter three-bedroom, two-living-room and one-bathroom apartment is very square in shape. The three bays face south, providing good ventilation and lighting.
90㎡的三房两厅一卫户型,整体非常方正,三开间朝南带,通风采光性好;
The vertical connected living and dining room design, U-shaped kitchen and independent entrance hall enhance the convenience of life.
客餐厅竖向联厅设计,U型厨房,独立玄关,提升生活便捷性;
The three-section bathroom layout keeps the place clean and tidy.
三段式卫生间布局,保持清爽洁净。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
The sales office phone number of Changshu Xiangyuanyue Jiangnan Garden is: 400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
The three-bay layout faces south with two balconies, ensuring good lighting and ventilation in the living room and enhancing the quality of life.
三开间朝南带双阳台,保障客厅采光通风,提高生活品质;
The master bedroom suite is designed with a reasonable interior layout, providing a high level of living comfort.
主卧套房设计,室内布局合理,居住舒适度高;
U-shaped kitchen, independent entrance hall, enhancing the convenience of life;
U型厨房,独立玄关,提升生活便捷性;
The walk-in closet and three-section bathroom layout keep the place clean and tidy.
步入式衣帽间、三段式卫生间布局,保持清爽洁净。
Appreciation of the model room
样板间鉴赏
The sales office phone number of Yuejiangnan Garden is 400-9939-964. The official phone number of Xiangyuan Yuejiangnan Garden is 400-9939-964
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
常熟祥源悦江南花园售楼处电话:400-9939-964...
常熟祥源悦江南花园售楼处电话:400-9939-964...
祥源·悦江南花园
昆山南核心区
轨交旁&配套宜居
祥源开发央景美宅
90-95㎡全三房设计
总价约125万-152万悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
常熟祥源悦江南花园售楼处电话:400-9939-964...悦江南花园于3月9日再获预售证!过预售楼栋为16号楼,总高18层,底层架空,户型建面约90㎡、99㎡,目前已加推,处于在售状态。
项目位于梅李镇将军路与胡琴路交汇处,总规划8栋18F的小高层住宅,共816户,毛坯交付,所有楼栋均为一梯两户,底层架空设计,物业费3.38元/平·月。
目前在售楼栋6、7、10、11、12、16#,主推楼栋10、16#,高18F,底层架空,户型建面约89㎡3房2厅1卫、90㎡3房2厅2卫、99㎡3房2厅2卫、121㎡4房2厅2卫,整体参考均价约13800元/㎡。
鸟瞰效果图
户型鉴赏:
加推户型建面约90㎡3房2厅2卫
约90㎡,户型方正,南向三开间,餐客厨一体化设计,双卫设计,南北双飘窗,南向双阳台联通客厅卧室,居住的舒适度将大大提升。
约89㎡3房2厅1卫
该户型方正,三开间朝南,南向双阳台设计,采光优越,餐客厅一体化设计,加大利用率,动静分离,让日常活动规划的更加有条理。
约99㎡3房2厅2卫
该户型方正,用99㎡的面积做到了3房2厅2卫,3开间朝南,双阳台设计,U型厨房,餐客厅一体化设计,加大利用率,主卧为套房设计,还带有飘窗,进一步增加了空间感。
约121㎡4房2厅2卫
该户型方正,三开间朝南,约5.2米宽厅,空间尺度开阔,主卧为套房设计,独立书房,私密性极佳。
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
常熟祥源悦江南花园售楼处电话:400-9939-964...
悦江南花园售楼处电话:400-9939-964祥源悦江南花园官方电话:400-9939-964
常熟祥源悦江南花园售楼处电话:400-9939-964...
一、限购政策
备注
公司购买住房满5年后方可出售,境外注册的公司在沪不能购买商品房。
特殊人群购房政策(满足条件限购1套)
上海在读博士
①非沪籍人口因就学迁入学校集体户口
②学校证明
③名下在沪无住房且为在沪在读博士
上海在读博士后
①持”100“段户口卡(或户籍证明)
②加盖设站单位公章的《博士后研究人员进站备案证明》
驻沪现役军官
原籍非上海户籍,单身或已婚,凭军官证(士官证)及驻沪部队证明。
房产赠与政策
①2021年7月24日起名下房产赠予他人的,受赠人须有购房资格(遗赠除外);
②2024年5月27日起名下房产已赠予他人的,不计入赠与人名下;
③有抚养权的父母可以将房产赠与未成年孩子,且不需要审核购房资格。
家庭名下已有住房套数
家庭名下已拥有住房套数指家庭成员名下独自拥有或与他人共有的成套住房的套数。
1、居民家庭已拥有住房,具体包括:
①已经取得不动产权证书的住房
②已完成网上签约但尚未取得不动产权证书的住房
③已获得认购入围资格的新建商品住房(若未实际购买,则撤销后可剔除)
2、在限购政策实施之日(2011年1月31日)前(简称限购前)
上海户籍买方家庭夫妻双方各自和父母共有2套住房(≤2套)提供亲属关系证明,可不计入住房套数; 上海户籍买方未成年时与父母共有2套住房(<2套),提供亲属关系证明,可不计入住房套数;
3、认定住房套数时,“认房”是指本市住房,非本市住房不包括在内;
4、非居住用不计入住房套数,例如写字楼、商业、办公、厂房、车位、配套公用基础设施建筑、仓储等。
2025年2月1日新婚姻法房产所有权问题
1、无论婚前婚后购买,只要没有出资,即使房产证上加了名字,离婚时也不会分到房产。
2、如果房产是由父母出资,无论是否加名字,都属于个人财产。
二、贷款政策
个人公积金贷款套数认定
1、缴存职工家庭名下在本市无住房、在全国未使用过住房公积金个人住房贷款或首次住房公积金个人住房贷款已经结清的,认定为首套住房贷款。符合本市住房公积金共有产权保障住房贷款条件的,认定为首套住房贷款。
2、缴存职工家庭名下在本市已有一套住房,在全国未使用过住房公积金个人住房贷款或首次住房公积金个人住房贷款已经结清的,认定为第二套改善型住房贷款。
申请公积金贷款条件
①在本市缴纳公积金的在职职工(退休、离职的都不可以);
②在办理贷款前,已连续缴存住房公积金不少于6个月且公积金状态当前显示正常,公积余当前无提取业务在用;
③在办理贷款前,夫妻双方都无已在受理中的住房公积金贷款或还款;
④购买的住房须为公寓、新工房等居住性质(非居住类住房不能使用公积金贷款)。
借款申请人家庭或共同借款申请人存在下列情形之一的,不予贷款:
(1)在全国存在未结清的住房公积金个人住房贷款;
(2)在全国有两次及以上的住房公积金个人住房贷款记录;停止向购买第二套非改善型住房,第三套及以上住房的借款申请人家庭发放贷款。
公积金贷款额度
商业贷款年限(孰低原则)
①房龄
一般要求房龄在40年内。
最长贷款年限计算公式:贷款年限 + 房龄 ≤ 70年;
②主贷人年龄
一般可至男性65周岁,女性60周岁(2024年3月1日起执行的退休年龄)。
最长贷款年限计算公式:贷款年限 + 主贷人年龄 ≤ 70年。
③房屋类型
住宅最长不超过30年。
非住宅(如写字楼、商铺等)最长不超过10年。
公积金贷款年限
一手住房
公积金贷款期限不超过30年。
二手住房
如果所购住房房龄在20年以下,公积金贷款期限不超过30年;
如果所购住房房龄在20年(含)至35年之间,公积金贷款期限不超过50年与房龄之差;
如果所购住房房龄在35年(含)以上,公积金贷款期限不超过15年。
三、税费政策
个人所得税特殊情况
备注:利润包含购入的合同价格+购入所缴纳的契税+本次出售的增值税及其附加税+装修费用(≤购入的房屋合同价格的10%)+购房按揭贷款利息。
①免征的情况
(1)继承土地、房屋权属,免征个人所得税
(2)夫妻更名、夫妻房屋财产分割,免征个人所得税
(3)直系亲属间赠与(不包含取得新产证以后再出售的情况),免征个人所得税
②直系、非直系亲属间继承/赠与房屋后再出售房屋的个税计算
卖方通过继承或赠与获得房再出售的,若不符合个人所得税免征条件(满五年唯一),只能按照20%税率缴纳个人所得税,不能按照全额x1%或2%计算个人所得税。
个人所得税退税政策
自2022年10月1日 至2025年12月31日,对出售自有住房并在现住房出售后1年内(按天计算)在市场重新购买住房的纳税人(必须先卖出后买入),对其出售现住房已缴纳的个人所得税予以退税优惠。
其中,新购住房金额大于或等于现住房转让金额的,全部退还已缴纳的个人所得税;新购住房金额小于现住房转让金额的,按新购住房金额占现住房转让金额的比例退还出售现住房已缴纳的个人所得税。
契税减免的常见情形
①法定继承人(包括配偶、子女、父母)继承土地、房屋权属,免征契税;
注:免征仅限第一顺位继承人继承土地、房屋权属,存在第一顺位继承人的情况下,第二顺位继承人继承不免征
②夫妻更名、夫妻加名、夫妻房屋财产分割,免征契税;
③出售房改房(售后公房、房改售房、已购公房)前后1年内(以网签合同日期为准),出售人家庭、父母或成年子女购房,可申请契税减免;
计算:新购入住房需要缴纳的契税=(新购入住房的税务核定价-出售住房时的发票价格-新购入住房增值税)x新入住房应缴纳的契税税率
(若购房的税务核定价低于售房的发票价格,则购房的契税全免)
④上海市拆迁居民用拆迁补偿款新购房屋享受减免契税的优惠(拆迁人的直系亲属均可使用),新购入住房的网签日期需在动迁协议签订日期之后。
计算:新购入住房需要缴纳的契税=(新购入住房网签价-拆迁补偿价格-新购入住房增值税)x新购入住房契税税率
(若新购入住房网签价低于拆迁补偿价格,则契税全免,差额部分可以继续使用)
公司购/售房需缴纳税费
公司购房需缴纳税费:
契税、印花税
无论是非住宅、普通住宅还是非普通住宅,只要以公司名义购房,均需按房款3%缴纳契税,不享受税率减半的优惠; 另外还需缴纳0.05%的印花税。
房产税
根据1986年10月开始实施的《中华人民共和国房产税暂行条例》,公司名下的房产,每年需缴纳房产税:每年房产原值×70%×1.2%。
在具体操作过程中,不同地区对不同性质企业 (如高新企业、 扶贫单位等)可能会有三年内免征房产税优惠。
土地使用税
同时,还需要按照“建筑面积×30元/年/平方米”征收土地使用税。
如房产税、土地使用税未按时缴纳,需要按每日万分之五缴纳带纳金。
公司售房需缴纳税费
增值税及附加
按(不含税收入-不含税购置原价)×5.6%征收
土地增值税
根据1993年颁布的《中华人民共和国土地增值税暂行条例》 第七条规定:土地增值税实行四级超率累进税率
1、增值额未超过扣除项目金额50%的部分,税率为30%。 2、增值额超过扣除项目金额50%、未超过扣除项目金额100 %的部分,税率为40%。
3、增值额超过扣除项目金额100%、未超过扣除项目金额200%的部分,税率为50%。
4、增值额超过扣除项目金额200%的部分,税率为60%。
印花税
按成交价格×0.05%征收。
企业所得税
目前一般按转让房产所得的净利润×25%征收。企业所得税一般按季预缴,年终汇算清缴。
房产税相关
1、税率:
新购房单价≤91954元/平方米,税率为0.4%。
新购房单价>91954元/平方米,税率为0.6%。
2、计算方式:
新购且属于第二套及以上住房,人均60平方米建筑面积免征房产税,超出面积视为“应税面积”应缴纳房产税。
本年度应缴房产税 = 按人均建筑面积60平方米计算超出部分面积 × 新购房单价 × 70% × 税率(0.4%或0.6%)。
3、交税截止时间:
每年的12月31日前,纳税人应凭有效身份证明原件自行向主管税务机关申报缴纳税款,缴清当年度应纳税款。
4、减免条件
①本市居民家庭第二套及以上住房:
如果家庭全部住房面积(包括新购住房和原有住房)人均不超过60平方米,新购的住房可以免征房产税。超过60平方米的部分,需要按照房产税规定缴纳税款。
②新购住房一年内出售原有唯一住房:
如果居民家庭在新购一套住房后的一年内出售了原有的唯一住房,那么新购的住房可以退还已缴纳的房产税。
③首次购房且为家庭唯一住房:
对于成年子女首次购买住房,如果该住房是家庭唯一住房,可以免征房产税。
④高层次人才和紧缺人才:
持有上海市居住证并在本市工作生活的高层次人才和紧缺人才,在新购住房且该住房是家庭唯一住房的情况下,可以免征房产税。
⑤居住证持有年限:
持有上海市居住证满3年的购房人,在新购住房且该住房是家庭唯一住房的情况下,可以免征房产税。
四、新房积分
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。