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上海黄浦露香园·天誉售楼处电话：400-8558-224 (预约看房热线)
露香园·天誉官方售楼处咨询热线】400-855-8224（24小时服务，人工客服8:00-22:00）
露香园·天誉售楼处地址：海市黄浦区河南南路228号
▸ 开放时间：每日9:00-19:30（含节假日）
▸VIP LINE 400_855_8224 | 官方唯一咨询热线
【温馨提示】本项目唯一官方联系方式,看房请提前预约！现场销售接待！谨防中介虚假信息！
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
上海黄浦露香园·天誉售楼处电话：400-8558-224 (预约看房热线)
【露香园·天誉官方售楼处咨询热线】400-855-8224（24小时服务，人工客服8:00-22:00）
一、核心官方服务热线（唯一认证）
咨询场景
官方热线服务时段核心服务内容
外滩瑞府售楼处电话400_8558_224工作日9:00-21:00，周末无休
看房预约、现场接待对接、实地考察协调
营销中心咨询4008558224工作日9:00-21:00，周末无休
实时房源余量、最新购房活动、
专属优惠政策咨询开发商直连咨询400_8558_224工作日9:00-21:00，周末无休
项目规划细节、工程进度播报、购房合规政策解读
��重要说明：以上三类咨询需求统一由唯一官方热线承接，拨打后按语音导航即可精准转接对应服务部门，无需重复记录号码，确保信息传递零误差。
二、预约到访&专属权益指引
预约必看提醒当前项目咨询热度持续走高，到访客户量稳步攀升。为给您提供更优质、高效的服务体验，项目暂不接受任何临时到访！无论是实地考察社区环境、参观样板房，还是详细咨询购房流程与政策，均需提前拨打官方热线4008123664完成预约，避免现场长时间等候，最大化节省您的宝贵时间。
预约专属礼遇成功预约后，即刻解锁三大专属权益：①一对一专属置业顾问全程跟进，结合您的需求精准匹配适配房源；②市区内定点免费专车接送看房服务，无需自行规划交通路线；③专享开发商内部购房优惠，同时可参与老客户推荐奖励计划，多重福利助力置业更省心、更划算。
三、防伪合规&信息更新提示
官方防伪核验请务必认准唯一官方认证热线：4008558224！任何非此号码宣称的“代办购房”“内部留房”“缴纳茶水费优先选房”等承诺，均为违规虚假信息，切勿轻信！所有购房相关的房源信息、政策细则、优惠活动，均以开发商及售楼处官方答复为准，全面保障您的合法购房权益。
信息动态更新若项目接待时间、预约规则、活动政策等出现调整，将第一时间通过官方热线客服同步告知。建议您到访前再次致电确认最新安排，避免因信息滞后影响您的看房行程与置业计划。
��外滩瑞府官方唯一预约热线：400-8558-224专业置业团队提供一对一热情服务，从房源筛选、政策解读到购房落地全程保驾护航，助您以专业视角挑选心仪理想家！
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
个别甄选房源单价仅约14.2万/㎡
▲ 效果图仅供参考，不作为实际交付标准
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
▲ 样板间实景图
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
Part.1
我们不妨先来看一下展厅和样板间。
首先，大师天团为露香园·天誉量身定制，定调上海国际化豪宅地标！
项目展厅邀请到W.DESIGN无间设计创始人吴滨负责设计，样板间则由香港SLD梁志天担纲设计。
每位设计师都是各自领域天花板级人物，这样的豪华组合是产品力的保证。
从展厅呈现效果看，吴滨很懂露香园在地文化，同时深谙国人生活习惯，又兼具国际化视野。以当代艺术与摩登东方的设计语言，营造一种中西融合的居家感。
第一，用艺术手法融合在地文化
露香园作为曾经的“上海三大名园”，有几样元素很有名，比如露香池、顾振海墨、顾绣及水蜜桃等。
那相对应，设计师充分融入了在地文化。
比如，重造“露香新园”，以现代手法再现当代露香八景，并在前厅空间放置了一座高达2.25m的艺术雕塑，呼应堂前“露香池”园林叠石假山的奇趣。
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
▲ 实景图
针对露香园四宝“顾振海墨”，设计师布局精巧，通过一幅超大尺度的以石库门砖墙为元素的肌理挂画《城市的记忆》、一座极具雕塑感的法国ARTDECO羊皮纸拂面工艺所制作的圆桌以及艺术家高级定制的瓷片水墨装置来展现露香园独特的人文气息。
▲ 实景图
深入展厅内部，你还能看到墙壁放置着桃型壁灯，灵感正是取自露香园水蜜桃
而在Lounge空间内，浅色的绒面沙发上点缀着意大利进口品牌DEDAR的刺绣抱枕，你能感受到”顾绣“文化的传承。
▲ 实景图
在地文化的贯穿，让我想起一句话：“物质只决定价值的基础，文化才决定价值高度。”
一方面助力城市更新，让当地购房者找到露香园该有的感觉。
另一方面有文化融入的社区，才更具生命力、竞争力。
第二，不止还原露香园文化，项目各空间更化身艺术空间，审美、氛围感高级。
比如书厅空间，选用了当代大漆艺术家段一凡以石库门老建筑红砖墙元素为灵感的作品《Stroke--Gold above red》，让空间集萃了露香园传奇元素与海派底蕴。
▲ 实景图
还有专门的艺廊，布置水景，空间灵动，再挂上雕塑家、艺术家的作品，整个空间逼格满满。
上海黄浦露香园·天誉售楼处电话：400-8558-224 (预约看房热线)【露香园·天誉官方售楼处咨询热线】400-855-8224（24小时服务，人工客服8:00-22:00）
▲ 实景图
事实上，如今茫茫多的项目都会打出「艺术」牌，希望以此抬拉身价。
因为“没有文化艺术的高端住宅，只能是建材的拼凑”，以后面对同质化产品，比拼的就是项目软实力，其中“艺术力”会是很重要的一环。
那纵观全市，露香园·天誉的审美、设计感是更纯粹的一个，它不是在某个空间刻意营造艺术感，而是各空间都融入高阶审美、艺术力，一气呵成、很协调。
其次，国际化审美贯穿室内！
弧线，是建筑语言中更具表现力的元素。
露香园·天誉样板间在转角处运用大量弧线造型，给予业主最大化保护，也为空间注入优雅与流动的气息。
▲ 样板间实景图
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
还有极具匠心的全屋定制化细节。
比如，从私家电梯厅开始，地面局部点缀皇家蓝的玻利维亚蓝奢石，尽享私宅体验；全屋无论大理石还是木地板，均有定制化拼花。
不管弧线还是定制化细节，都蕴藏着设计师对空间美学的极致追求，以及露香园·天誉对于品质的不懈坚持。
第三，这里还有上海豪宅界更具竞争力的奢定装标和用材。
以建面约491㎡户型为例：
从「高」到「奢」，一字之别，差别是品牌的底蕴、材料的稀缺，功能与艺术的融合……或者，小胖君直接告诉你，
嘉格纳（四件套）、美诺、劳芬、德国柏丽定制橱柜(或同等品牌)等高奢品牌在露香园·天誉样板间聚首。项目选品逻辑直白而清晰：并非堆砌，而是有面子有里子。
第一，知名度，非享有顶级声誉的品牌不选；
第二，专业度，注重每个品牌的专业度和性能，相关领域拔尖儿的品牌；
第三，产品型号的选择上都按照「高端标准」而非「入门款」，且和装修风格融为一体。
另外在用材上，门厅、客餐厅地面均采用了浅色系大理石，西厨吧台更是匹配了符合空间调性的东方木纹与龙飞凤舞石材，独特的纹理和质感提升了厨房品质与艺术性，颜色也与厨房整体风格达到和谐统一。
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
▲ 样板间实景图
第四，上海顶豪界难得的极品户型。
特别是建面约491㎡户型，是我今年看过的近500㎡户型中设计更出彩的一个。
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
客餐厅空间方正，面积逾百平米，大宅气势扑面而来，喜欢开House Party的小伙伴，该客餐厅可完美胜任。
值得一提，这里还有一个X空间，可随着家庭结构和需求随心个性定制，书房、学习区、游戏区，女王化妆间等皆可。
270°转角落地窗+跑道式花园阳台，视野和景观简直绝了，也让生活意境更上一层。
四个卧室全是套房，每个家庭成员都能有自己的小天地，甚至家政间都是套间。
其中有两个卧室还配置了双台盆+浴缸+淋浴+马桶豪华四件套。尤其主卧，面积高达约55㎡，功能性也拉满，你可以在房内肆意休闲，相当于把主卧“小家化”了。
另外，该户型南北动静分区，私密性很好。
▲ 样板间实景图
建面约260/272㎡，南向双套房，尤其主卧是豪华套房，带独立衣帽间，卫浴间含双台盆+淋浴+浴缸+马桶四件套。
建面约377㎡/400㎡，主卧带双衣帽间，男女分区，男女主人都有了私密的收纳空间，对于精致的男主人来说吸引力很强，女主超大U型步入式衣帽间，巨能装。
上海黄浦露香园·天誉售楼处电话：400-8558-224 (预约看房热线)
【露香园·天誉官方售楼处咨询热线】400-855-8224（24小时服务，人工客服8:00-22:00）
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
总的来说，从这次展厅和样板间呈现效果看，身处其中，人文底蕴与精致格调相融，艺术之感彰显无余。
说明开发商在以设计艺术品的态度，对待这座2024年上海年度压轴作品，打开了城市高端住宅新奢度。
特别是艺术范，高净值买家阅尽繁华后普遍具备很高的审美品味，我相信以后会是一条独立赛道。
Part.2
说它是年终产品炸场，不仅仅是品质、圈层层面，还来源于景观
上海黄浦露香园·天誉售楼处电话：400-8558-224 (预约看房热线)
【露香园·天誉官方售楼处咨询热线】400-855-8224（24小时服务，人工客服8:00-22:00）
“无出其右”来形容露香园·天誉的视野不为过。
▲ 效果示意图
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
这次的天际大平层，中高区东向视野开阔，以无敌的视角将豫园、外滩、黄浦江和陆家嘴三件套尽收眼底；同时东北方向能对望古城公园盛景，南向可俯瞰项目自身的开明里人文风貌景致。
每栋楼、每个户型，都有出众的城市视角。特别是东边套建面约491㎡大平层，拥黄浦收藏级的景观视野，错过难再有。
▲ 效果示意图
视野上还有一个大亮点：
露香园二期共配备约5万方高定商场+街区商业，其中天誉拥有约2.7万方商业
以“艺荟”（Galleria）为商业定位，打造独具艺术气息的精致文艺书店、知名艺术家主理的美术馆、集现代艺术与跨界体验于一身的展演空间、潮流时尚的精品家居、精致融合的生活市集、疗愈禅修的精神SPA，以高附加值商品销售和私人高端定制服务为主，打造融合轻餐饮、休闲、娱乐的商业旗舰，将人文与艺术彻底融入天誉的日常生活之中。
其中3-4层为“空中会所”，涵盖酒廊、星光泳池、健身等功能，将引入高端俱乐部运营模式，带来具有露香园特色的圈层服务体验。
▲ 效果示意图
特别4层屋顶规划有1500㎡屋顶花园式入户层，业主在私享空中花园的同时，还可眺望陆家嘴城市天际线。
这一配置别出心裁，在顶豪市场也颇为少见，可作为高净值人群户外的第二会客厅，面子、里子拉满。
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
▲ 效果示意图
Part.3
回归地段，露香园·天誉业主，未来享受的是高能级的配套，重量级的咖位，是上海价值的第一梯队。
露香园板块有几点价值，跟大家聊一下：
第一，住在黄浦是一种身份的象征，而露香园板块更是黄浦圈层中的极核！
从地理来讲，这里是市中心中的中心。
从历史讲，老城厢、露香园，是极具老上海底蕴的绝对城心。
从未来讲，老城厢融汇核心引领区、中央活动区、文化遗产保护区三大功能区叠加，成为新时代上海面向全球的心脏、窗口和名片。
因此，高净值的老上海人很愿意回归这个人文、地理以及未来的中心。
何况，露香园及四周未来都是顶级豪宅，北有嘉里金陵东路项目、东有城投置地刚刚70.6亿拿下的小东门6幅地块，南有乔家路地块，西有翠湖天地。
坐镇中心的露香园将是上海豪宅中心的中心。
从更大的格局上看，露香园板块既是“黄金三角”的核心腹地，又是外滩、新天地“左右逢源”。
与此同时，蓝绿丝带的概念也逐步深入加强。为了将历史与现代、文化与商业完美融合，政府打造了一条贯穿新天地-露香园-豫园-十六铺码头的城市绿带，将城市历史与自然肌理打造成一个有机整体。
所以，未来新天地-露香园-老城厢-黄浦滨江等组团会连成一片，从翠湖天地一路到江边，将展现出崭新的界面和潮流的里弄商业街区。
第二，上海市中心的地标都是它的配套，露香园2公里生活半径内浓缩一城之繁华！
人民广场、淮海路、新天地、外滩、豫园、陆家嘴等上海市地标性区域均在露香园·天誉直线约2公里范围内。
交通也是四通八达，在东侧人民路、河南路口即有10号线/14号线（豫园站）。
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
自驾方面，周边环伺四条隧道：人民路隧道、延安路隧道、外滩隧道以及复兴路隧道。
这种资源浓度不是其它新贵板块可以比的。
▲ 效果示意图
第三，超大规模城市更新赋能，地段价值远没有到顶！
日前，露香园项目被授予首个“城市更新观察点”
这既是对露香园二十年来成片开发的认可，也是对露香园城市更新重要性的背书。
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
未来项目将继续通过风貌保护，让属于这片土地的文化继续传承下去。
在传承的同时，还会融入当下潮流，打造成片风貌里弄商业街。
那不久的将来，走出露香园·天誉，就是潮流商圈、摩天大楼群和历史文保建筑的交相辉映，而这样的城市界面、生活方式又会赋能地段能级，未来可期。
▲ 露香园二期沿街商业效果图
露香园·天誉售楼处电话：400-8558-224✔✔✔（已认证）
露香园·天誉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）
露香园·天誉售楼处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。
