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✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎
✅✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
贯穿千亿科创产业与百年学府的“烫金大动脉”——上海轨道交通18号线12月27日正式运营，其地铁上盖TOD项目【江湾金茂府】再度迎来高光时刻。此前，项目已创下“四开四捷”的热销战绩，持续引爆市场关注。
在18号线通车之前，【江湾金茂府】早已成为上海700-1200万级楼市中的“热度王者”。不仅持续热销，更以成交面积、成交金额、成交套数“三冠王”的绝对实力，重新定义了该价位段的竞争格局。这一成绩的含金量极高——今年5月至今，仅外环内就有56个新盘、近4000套房源进入网签，从杨浦滨江、浦东三林到普陀桃浦、五角场，选择不可谓不多。然而，正是在这样的红海竞争中，真正的价值标杆才愈发清晰。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
最新消息
18号线地铁上盖+上海TOD金茂府首作+周边教育能级跃升
江湾金茂府 新年开门红 抢跑2026
中环线年度红盘 逢开必燃 热度持续飙升
高阶改善，五期「湾誉」已取证
将于1月28日开启认购 仅90套房源
均价71530元/㎡
建面约114-190㎡稀缺科技住宅
十二大绿金科技系统，五舒健康体验
抢藏现场级红盘，错过难再!!
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
一房一价解析！
114户型
西侧临近外部道路及配套建筑，低楼层可能受到一定噪音影响。
不过西边户整体采用错位式排布，在视野与采光条件上相对更优，可根据个人居住偏好进行取舍
在价格方面，西边户较中间户同楼层高约 150 元/㎡，折合总价约 1.7 万元，价差不大，若对噪音并不特别敏感，整体更建议优先考虑西边户，以换取更好的视野与采光条件
需要注意的是，中间户在 15 层与 18 层 受到连廊结构影响，北侧房间采光略有削弱，对采光要求较高的客户，建议适当避开上述楼层，优选其他楼层房源
126户型
整体定价逻辑与 114 户型基本一致，可参考其选择思路，根据个人对性价比或居住安静度的侧重进行取舍
其中，边户 5 层以下 与配套设施距离较近，可能存在一定的噪音干扰及视线遮挡问题
若选择低楼层房源，5 层以下可适当优先考虑中间户，整体居住稳定性相对更好
144户型
西边户紧邻中央景观轴，在景观视野与空间开阔度方面表现更优
价格方面，西边户较东边户同楼层高 750–1150 元/㎡，折合总价约 11–17 万元
在预算允许的情况下，建议优先选择西边户，以获得更好的景观资源与居住体验。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
一房一价
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
项目信息
超强前瞻性+超强兑现力，同级之中，无处其右！
金茂一直以来的精益求精态度及超强兑现力，在江湾金茂府你可以更直观的感受到：豪宅生活格调与高阶圈层就在眼前！
· 实景图美过效果图，堪称一比一的神级兑现
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
当市面上其他新盘还在比绿化率，江湾金茂府已造出独树一帜的立体景观；
三重台地设计成本和难度都比普通园林高得多，用 “折叠” 来形容再合适不过。
有跌级的水景，能在水边散步，有观景的平台，还有下沉式的卡座
高低错落的设计，无论身处花园绿植中，还是在室内俯瞰眺望，都能感受到别样的绿色生活。
这还是北上海首个 “立体庭院”，把度假酒店的隐秘奢华感带到了社区里。
蓝翡翠水景围着下沉庭院，中间有蜿蜒的挑台连着瀑布，顶层还有供业主小聚的女王花厅，实现了美感与功能的完美融合。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
· 地标级门庭，豪宅级门面担当
江湾金茂府的超级府门，单是约70米的恢弘尺度，便足以媲美甚至超越上海单价20万级的豪宅。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
江湾金茂府特邀履迹全球的CCD郑忠大师团队执笔，参照大湾区第一酒店-深圳南山香格里拉大酒店为灵感打造，整体以「自然繁茂」色调主题为灵魂，媲美20万级顶豪配置！
入口一楼迎宾访客会所，打造酒店大堂式高定场景，为宾客提供尊崇的迎宾与洽谈空间。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
·地标级立面，超高屏占比
项目立面采用大面玻璃+铝板，营造「江湾之钻」钻感面屏，匹配超大窗墙比，线条舒朗、外观挺拔，历久而弥新
高颜值时尚立面，既迎合了年轻人审美，也成为区域内辨识度极高的标志性符号。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
户型、精装、产品力比肩10万+豪宅
在上海首个TOD金茂府3.0的坚实价值底座之上，江湾金茂府的户型与精装打造，更是将空间格局、美学审美与用材标准统统拉满，高调性又实用！
建面约114㎡3房：
飞机户型南北通透，没有过道浪费，利用率高；
多飘窗设计进一步提升使用率，样板间利用北卧飘窗铺就舒适榻榻米；厨房也有飘窗，增加了操作台面和收纳。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
独立玄关，增加收纳的同时让出入更具仪式感；
全屋五飘窗，且像主卧，飘窗满面宽，实用性很强，总面积超过7㎡，堪比常规三房户型的次卧了！
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
四个房间，从小太阳到二胎家庭/三代同堂都能轻松托举
全屋七飘窗，厨房、卫生间、卧室都有，总面积超过9.9㎡，实用性拉满！
精装上，高级感扑面而来，足以媲美10万+豪宅！
正如现场一位客户所说：“区域最好的房子就该这样，面子里子都有！”
· 审美高度在线，打造专属高定艺术空间！
与常规新房室内没有门与墙的生硬拼凑感不同，江湾金茂府通过大量木饰面、隐藏门等细节，形成统一的设计语言，色彩与材质搭配协调统一，尽显整体美感！
有一个细节大家可以在实地看样板间时留意：交付的内嵌式冰箱面板也是采用了木饰面，高级感扑面而来！
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
· 材质与纹理碰撞，高定生活细节不胜枚举！
江湾金茂府的每一个细节都充满了高级感！
你仔细观察便能发现，墙面木饰面上下纹理不同，镶嵌金属线条，在视觉碰撞中营造立体层次，复杂工艺的背后，是为了呈现更出众的视觉效果。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
· 精超配装品牌比肩10万+豪宅
项目专门定制「金大高档入户门」，颜值高、质感厚重，这样的门一般只在10w+楼盘中才有配备。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
主卫还定制女主人超爱的美妆冰箱、魔镜等专属配置，客厅收纳柜竟然也是交付标准，在金茂府恒温系统下很适合做酒柜！
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
久旱逢甘霖，这个片区终于等来了睽违已久的新供应！关键来的还是王炸——上海首座TOD金茂府，不仅将牢牢占据区域品质头把交椅，享受领先周边N代的产品体验。TOD综合项目的开发更将重塑板块格局，引领价值蜕变。不止价格，金茂府的到来更重塑了板块界面，定调板块圈层；可以说大宁能跃升中产置业优选地，嘉定新城新房持续火热，金茂府起到板块基石的作用。另一方面，18号线二期的建设（预计年底通车），拉近了项目与新江湾、五角场乃至杨浦滨江、陆家嘴的时空距离。值得一提，作为换乘王，18号线拥有10座换乘站点，与12条线路交汇换乘，比如可以转12号线到浦东金桥。另外，交通利好不止轨交，还有“中环北抬”。最后我想说，上海北部自大宁金茂府以来一直难出第二个绝对标杆。而江湾一带又长期处于新房断供状态，周边居民对高品质住宅需求极为迫切。值此之际，金茂强势入驻，携前沿理念与匠心品质，带来了上海首座TOD金茂府，我觉得这是一种双向的美好奔赴：
板块信息
江湾久旱逢甘霖 金茂府不仅树标杆，更将焕新土地价值
其实江湾金茂府的“火”是在意料之中的。
一方面在于，这片区域不是一般缺供应，而是高境、淞南、五角场、新江湾苦没供应久矣。
说句题外话，我们直播间涌进过不少高境、淞南的客户，普遍卖了老房子后打新特别纠结，根源就是本地供应太少，而他们又不想远离熟悉的生活圈。
据统计，宝山东部片区上一次供应还要追溯到2015年的泰禾红御和盛世宝邸，几近10年断供，这两盘也是目前区域标杆，前者挂牌近9万/㎡，后者7万+/㎡。
五角场同样如此，近10年断供；而新江湾次新房龄普遍15年+，挂牌价10万+/㎡，总价很高。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
另一方面在于，金茂府这一金字招牌号召力太强了。
我和现场客户聊过，有三点他们高度认可：
第一，金茂在全国高端市场的影响力，给项目带来十足的信任度。
拥有“豪宅专家”之称的中国金茂，布局了全国29座城市，享誉业界的金茂府达78座，这样的成绩，论资排辈放在如今的地产座次表中，妥妥的第一阵营。
简单说，金茂的房子不仅多，而且好，高端的物业更是有口皆碑。
第二，金茂府是豪宅界超级IP，也必定是板块封面。
这对于一个供应奇缺的板块，意味绝杀。由于后续难再有新供应，此时若想置业，金茂府这样的绝对标杆就是不二之选，断层领先的品质，让业主居住多年都无需换房，一步到位。
且“里子” 与 “面子”兼得，日后与朋友交谈，一句 “我住在金茂府”，客观讲就是身份的象征。
第三，金茂府在上海二手市场跑出独立行情，二手溢价保守有约30%！
大宁金茂府二期挂牌约15.5万/㎡，周边次新整体挂牌约11.5万/㎡，金茂府有约35%溢价；
西郊金茂府二手挂牌约7万/㎡，比周边次新约5.5万/㎡的挂牌高出约30%。
你永远可以相信金茂府穿越市场周期的能力及板块塑造力。
超级生活底盘，奠定区域中心地位18号线串联，紧密与市中心的联系
地段上，江湾金茂府所在的区域本就是淞南中心，沿街有丰富底商，且一街之隔就是祥腾生活广场和939红街坊等商业，生活氛围无需等待。
而TOD超级生活底盘的加持更为项目带来两大机遇：
一方面，生活底盘规划有酒店、商业、菜场、社区食堂等多元业态。
业主下楼即享精致烟火气。
事实上，淞南地区最缺的就是精致业态，以后潮流商业都集中在江湾金茂府楼下，凭借TOD的优势，周边年轻人可能都会来此逛街、休闲。长此以往，该生活底盘就是淞南中心中的中心，而江湾金茂府就是淞南中心之上的住宅，价值更加稳固。
何况项目规划有酒店，有高端酒店的地方更容易形成区域中心。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
从通南路站（在建）出发，1站就是新江湾，3站财大，4站复旦，5站五角场，7站新华医院，10站杨浦滨江，11站陆家嘴滨江...
这条线路云集大量高校、科研单位及科创企业，尤其五角场和杨浦滨江的科创产业正蓬勃向上，18号线的串联，既为业主通勤提供了方便，更为江湾金茂府和淞南提供了源源不断的人才输入，这是未来二手房价值的保障。
尤其浦东的客户，鉴于浦东供应稀缺，江湾金茂府作为难得的TOD项目又有金茂府光环加持，可以重点考虑。
✅江湾金茂府售楼处电话：400-8558-224✅︎✅︎✅
✅江湾金茂府营销中心热线4008558224（官方预约看房热线）
其中，军工路快速路新建工程预计今年年内完工，意味中环北抬今年将迈出重要一步，而长江西路快速路已被列入2025年上海市重大工程清单，预计即将开工。
届时，项目周边不仅有逸仙路高架衔接中环，还有多条快速路，这对于项目出行、板块发展，都大有裨益。
金茂精准回应了市场期待，填补品质人居空白；而稀缺土地也正需要金茂这样的开发商，树立标杆的同时焕新土地价值、革新生活方式。
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✅江湾金茂府营销中心热线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。
