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✅缦云上海售楼处电话：400-8558-224✅︎✅︎
✅✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
最新消息：杨浦滨江顶豪【缦云上海】三期推出约205-330㎡大平层&小洋房！总价约2465万起！实景准现房发售！可直接认购！实景样板房开放中，线上提前预约！
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
项目推售详情
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
226㎡-330㎡三期收官加推，2600万级预算入住杨浦滨江大平层置业机遇错过再无！
厚积薄发的杨浦滨江，未来的价格天花板在哪里？
这点市场同样给出了明确答案！
纵观整个滨江带，新房价格普通18万/㎡！
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
相比之下，作为杨浦滨江限价期楼盘——主力均价12万/㎡的缦云上海，物超所值。
而其他滨江带新房价格同样可以看作杨浦滨江的未来锚点，这份确定性同样是上海其他板块没有的。
更关键的，在7090政策取消后，上海新房平层，多以刚需改善为主，无论是旁边的中海云邸玖章、外滩元境、保利外滩曜、还是即将要开的中铁云锦外滩，都是以100-145㎡为主，而像缦云上海这种主力户型200㎡+起步的纯粹豪宅新房，在目前整个滨江带都是凤毛麟角！而且这次是项目三期收官之作，真的错过再无！
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
据悉：【缦云上海】三期收官加推，主力面积约229㎡/253㎡/269㎡/330㎡大平层/小洋房在售，其中在售大平层高区可看一线黄浦江景，洋房位于楼王央座，主力户型3.3-3.5米层高，都是一梯一户设计，总价2600万起！可直接认购！实体样板间开放中！线上提前预约！
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
（沪上好房官方公众号实拍）
缦云上海约269㎡样板间鉴赏▼
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
（沪上好房官方公众号实拍）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
缦云上海约330㎡样板间鉴赏▼
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
现在的上海，一线滨江就是价值和潜力的巅峰，这一点我相信已经毋庸置疑了。
一江一河 上海城市的顶级规划
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
缦云上海正位于黄浦江畔压轴开发的杨浦滨江，选择这里，本质是选择一江一河顶层规划的确定性成长力！
无论是过去、现在还是未来，一江一河都是上海城市规划能级的天花板，任何一套滨江板块的住宅都是令人仰望的存在，是城市菁英们身份与地位的象征，是人生资产无可替代的压舱石！
杨浦滨江作为世界级滨水示范区，在总体目标引领下，构建“一岛两翼”愿景蓝图。复兴岛作为是黄浦江唯一内陆岛，自2024年上海量子城市时空创新基地启动，便围绕“数字智能岛、设计艺术岛、人民城市岛”的定位全速发展，依托美团、B站、抖音等数字经济总部产业布局，岛上保留“白庐”等历史建筑，兼顾生态与怀旧风格，致力于打造最具活力、可持续性与智能化的1平方公里区域。未来将成为激活一江两岸发展、开启黄浦江全新机遇的关键引擎。至此，一线滨江更烫金、更潮流、更高阶的区域，距离全部落成真的仅一步之遥了。
国际大师联袂 美学新作
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
归家体验从驶入地库便开始升华。
88万方超级TOD综合体，杨浦滨江首个国际生活区
【缦云上海】是合生创展在上海杨浦滨江的重点项目，不仅涵盖约11万方合生汇、5A甲级写字楼、滨水总裁公馆、风貌建筑商业街、高端住宅等多元业态，更引入国际一线奢侈品牌入驻，开创上海商业新格局，为新高知青年提供国际化的生活方式。
（效果图，仅供参考）
作为上海热门红盘和杨浦滨江标杆品质盘，缦云上海一期已于25年末交付，二期将今年7月交付，三期目前也已实景呈现，于今年9月交付，可以说即买即住，对比滨江带其它楼盘，可以提前1-2年兑现！
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
在行业调整期，房企“交付力”的内涵，已从基本的“如期交付”，进阶为一场围绕产品、环境与服务的全方位体验竞争。这不仅是践行“保交楼、保民生、保稳定”社会责任的切实体现，更是企业在行业改善时代构筑其核心竞争力的关键所在。
缦云上海作为合生缦品牌落地上海的首个项目，88万方的核心区全业态城市综合体，更是合生精品战略工程的标杆。缦品牌已经交付的缦合北京项目，其交付水准已经高于样板间展示标准，被行业内称为一等标准的交付案例。而在缦云上海的交付现场，业主更是一致好评，这是对对缦云不仅如期交付，更在外立面材质、公区标准、园林层次、公共空间等关键环节持续优化提升的认可。
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
作为该项目的收官之作，缦云上海三期由2栋29层高层和14栋10-12层为主的小高层组成；主力面积约190㎡/209㎡/229㎡/253㎡/269㎡/330㎡4-5房，主力户型3.3-3.5米层高，私享“独立电梯厅”设计、精工品质与国际一线品牌精装、四重精装大堂等产品设计，是上海品质住宅标杆封面。
更以缦品牌独特产品设计与美学品位、无边际服务体系、约80%得房率和主力约3.3米层高等硬核产品力，打动上海高净值客户。
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
仪雅门厅 打造约45米云语之门
据悉，项目入口门楼延续中式的端庄大气，以传统的坡屋顶展现东方的韵味，简化繁琐的细节，凝练出符号性的语言，结合两侧景墙呈现开敞的姿态，体现项目的昭示性与尊贵感，目前已实景呈现。
高质铝材立面 缦品牌美学品位再超越
现代典雅立面，灰色搭配香槟金的色调，彰显不同建筑审美，外立面为品质铝板+玻璃幕墙，局部干挂石材和保温一体板，通过数控切割、精度弯弧、手工焊接、打磨抛光、七重清洁、烘干喷漆、高温定型等过十余步精细工艺，是高端住宅里高于行业标准体系的立面铝材。
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
室内设计，秉承摩登东方的理念，设计以人、生活为中心，从空间本体和情感层面都回归生活，270度环幕采光，开放式会客厅设计，兼具尺度感与功能性。
建筑设计：HZS滙张思，曾荣获2021年Gold Nugget Awards金块奖；
景观设计：水石景观，全国景观十强公司，曾荣获2019年美国 ASLA综合类荣誉大奖，代表案例：三亚大东海湾JW万豪酒店
室内设计：无间设计，由著名设计师吴滨Ben Wu创立，坚持以中国传统文化为土壤，以现代主义手法，赋予东方以摩登，代表案例：上海翠湖五集、上海汤臣一品
首创折叠理念 同频全球建筑理念
YUNĒ缦云以超前眼界洞察时代趋势，采用全新设计理念提出“折叠理念”，与普利兹克奖获奖理念同步，以更便捷、更智慧、更简约的方式整合实现，再一次实现缦系产品升维。
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
折叠园林 垂直自然秘境
科学布局多重体验空间，将自然季色折叠进生活，达到外部景观资源最优化的同时，平衡活动功能与视觉审美。
七大主题花园：针对全龄段，设置尊享归家入口、礼仪花园、林下花境、感官轻氧花园、康养花园、童趣乐园、流水花园等，以跌水水景、儿童滑梯、艺术跳泉、按摩步道、林荫树阵等组合，覆盖全龄人群的景观体验，让生活更有温度，打造自然宁静的生活方式。
“双会所“顶级配置，重塑品味生活
重构品位生活方式，创新设计“双会所”，打造约3000㎡私享会所+约1万㎡泛会所，是上海豪宅市场的天花板配置。以国际顶奢标准打造全维度生活场域，会所集健身中心、恒温泳池、缦宴私厨及健康管理中心于一体，满足业主高端生活需求同时甄选CASSINA、BAXTER、MAZALTO等进口家具品牌，以艺术家作品的灯具、雕塑，凝练缦云生活美学。
缦系美学以意大利奢华健身器材泰诺健为起笔，沿岸勾勒活力圈层健康生活方式。精选Technogym智能有氧设备和Life Fitness专业力量器械，配合生物力学反馈系统，尊享赛事级训练方案，APP扫码互联，即是源自意大利的奢华健康艺术。每一次训练，都是与全球顶级健身科技的对话，更是缦云上海对品质生活的极致诠释。
更创新规划泛会所空间，融合共享办公、社交茶室、儿童书吧及多功能活动区，打造不出社区的全时段精彩生活，三期地块加起来，总共约有1万㎡泛会所空间
以多元功能空间重新定义塔尖生活场域，为业主打造超越传统居住体验的奢适圈层生活。打造多功能交流厅、音乐交流室、儿童活动区、四点半课堂......在这里，每一处功能设计皆以提升生活品质为原点，展开对未来生活的无限想象。
地库：艺术的仪式感
大理石与铝板构筑的空间，设计语言与奢华酒店一脉相承。
精心设计的灯光与水磨石地面，将功能性空间转化为具有五星级酒店仪式感的隐奢第一厅，让每一次回家都成为从喧嚣步入宁静的转换。
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
缦系无边际服务，打造全球化生活方式
如果说产品是“缦”品牌的基石，那缦系“无边际服务”便是其灵魂。
在深入研究全球各地的顶级寓所与奢华酒店之后，缦系无边际服务体系应运而生，包含280余项细则，建立在时间、空间、私属三个维度之上。除了无边际基础服务之外，缦云上海还为业主增设了「至善无痕」的私属增值服务，6大类27项内容，真正实现了酒店管家式服务体系与标准在住宅社区的落地。包括每年一次专属晚宴和纪念日活动策划服务，每周2次入户保洁服务，每年1次家庭收纳，每年10天宠物托管寄养服务，儿童校车点接送、43项免费日常维修项目，健康咨询类名医名院推荐服务等等，真正做到前置化、丰富化、创新化客户的生活需求。
M+科技体系：首创M+科技体系，以智慧、健康、精工、生态四大体系，赋予空间美好的体验与品质，每一寸细节皆为生活悉心定制。
项目区域配套潜力
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
杨浦滨江作为是黄浦江畔大规模收官开发的宝地，是对稀缺性的具象表达。
而今年更是正式进入兑现大年！
当城市发展进入“兑现为王”的时代，杨浦滨江用一份详尽的重大工程清单，给出了眼见为实的硬核答案。
这份来自杨浦区官方公示的项目清单，清晰标注了从“新开工”“在建”到“建成”的全周期进度。其中，抖音、美团、B站、滨江创智中心的全面建成，将杨浦滨江的发展确定性，从蓝图实实在在落地为实景。
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
这片热土的崛起，从不是空谈，而是有目共睹的持续兑现，更有官网的权威背书。
建筑是人才与资金的载体！
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
滨江创智中心项目作为杨浦滨江科创生态的核心载体，它的落地为区域集聚创新资源、孵化科创企业搭建了坚实平台，成为滨江科创带的重要支点。
抖音集团上海滨江中心项目、美团上海科技中心项目、哔哩哔哩(B站)全球总部项目三大行业龙头的正式落地，不仅为杨浦滨江注入了强劲的数字经济动能，更吸引了超5万高端人才与产业资源集聚，让这里成为名副其实的互联网产业高地。
此外，86街坊商办项目、89街坊商办项目、中节能上海总部等一批商办与总部项目同步建成，连同上述巨头项目，共同构筑起杨浦滨江的产业核心区，让“科创绣带”的定位有了最坚实的实体支撑。
作为黄浦江畔的压轴板块，杨浦滨江的建设速度是有目共睹的，下图是2017-2025-2026年杨浦滨江的卫星影像变化图，几乎是一年一个样！
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
今年的杨浦滨江，恢弘钜制已然实景呈现：（上图是2026年1月的航拍实景，下图是2025年初的航拍实景，直观去对比，建设速度确实快，变化很大）
不用怀疑，2026年一定是人才与财富急速汇聚杨浦滨江的1年！
要知道的是，人才的导入不止带来居住需求，与高端人才匹配的高端城市配套同样会加速落地！
比如，2025年11月公示规划，复旦大学附属中学国际部滨江新校区及配套的十二年一贯制学校、九年一贯制学校已进入实质性建设阶段。另外据最新消息，杨浦滨江新的商业地标，超级合生汇也在2024年开工，预计后年建成。（这2项城市级配套都在云邸玖章步行范围之内）
那么问题来了，谁是杨浦滨江更值得买的新房项目？
杨浦滨江封面红盘，市场早已给出了明确的答案！
据网上房地产数据统计，2023-2025年的近3年统计数据，单价10万以上且总价2000万以上的上海豪宅市场，缦云上海去化面积和去化套数，位列TOP1。
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
截至目前，项目单盘累计销售额已突破261亿元，不仅稳坐杨浦滨江销冠，更连续两年蝉联上海一线滨江住宅热销TOP。
更值得注意的是，在同等总价段的豪宅中，其他项目几乎全部位于黄浦、静安、徐汇等传统核心区，而缦云上海是仅有的一个立足杨浦滨江、却能跻身全市顶豪销量榜首的作品。这份成绩，不是简单的畅销，而是一场跨越地域认知的价值共识。
项目的销冠业绩来自杨浦滨江地段的优中选优！项目择址杨浦滨江核心商务区，步行360米即可抵达黄浦江岸线，妥妥的杨浦滨江正C位，同时项目三期距离12号线隆昌路站仅约100米，肉眼可见的步行进站地铁房。
距离三乙医院杨浦区中心医院直线距离不足200米，算是开在家门口的医院，生活配套齐全。
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
在新政风口叠加兑现大年的2026年，入住2026年准现房的封面标杆，这样的时代机遇，你还要错过吗？
✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅
✅缦云上海营销中心热线4008558224（官方预约看房热线）
缦云上海售楼处电话：4008558224【售楼中心热线】缦云上海营销中心热线400-855-8224缦云上海售楼处地址400-8558-224，楼盘项目全面介绍，本电话为开发商提供线上预约售楼电话，楼盘项目全面介绍（包含楼盘简介，均价，房价，现房，期房，别墅，叠墅，大平层，价格，楼盘地址，户型图，交通规划，备案价，备案名，项目配套，样板间，开盘时间，认筹时间，楼盘详情，售楼处电话，最新消息，最新详情，周边配套，一房一价，最新进展等详情咨询）楼盘详情丨价格丨更多优惠丨机不可失丨欢迎致电丨诚邀品鉴！售楼处位置丨特价房丨工抵房丨剩余房源丨户型图丨最新消息丨免责声明：将文章内容综合来源于网络、只作分享，版权归原作者所有！！如有侵权，请联系我们，我们第一时间处理如有问题欢迎来电咨询，专业一对一热情服务，让您用专业眼光去买房。如果您想了解更多楼盘详情，欢迎提前预约拨打缦云上海售楼处电话400-855-8224
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。
