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✅大华·望樾售楼处电话：400-8558-224✅︎✅︎
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大虹桥新C位+17号线地铁盘
滨水公园住区
【大华·望樾】
二批次加推208套
建面约94-180m²高层及别墅
高层57600元/m²，别墅93080元/m²
项目自带泳池、健身房、私宴会客厅
纵观上海517个地铁站，唯有徐泾北城站，三面环水，一脉绿洲，如同城市中的一个“浮岛地标”。
最新消息：徐泾全新封面，大华望樾二批次已过会，约94-170㎡高层/联排，过会均价60580元/㎡，已加推！
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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在当前的上海楼市环境下，一个共识正在形成：市场不再奖励想象力，而只奖励确定性。
购房决策，已经从“有没有潜力”，转向三个更现实的问题：
这个板块，是否已经进入兑现阶段？
2、这个产品，是否具备穿越周期的代际优势？
3、这个价格，是否仍然允许普通人低成本入场？
当这三点同时成立，才称得上真正意义的窗口期。而当前仍能同时满足这三点的机会，已经十分有限。
大虹桥徐泾的大华望樾，就是其中的一个。它的价值，不在于“新”，而在于以上三项判断同时成立。
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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大华望樾，今年1月首开，劲销6.91亿！就是对三重确定性的最好证明。
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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判断一个板块是否值得介入，关键从来不在“规划有多大”，而在于：兑现是否已经发生。
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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“规划驱动”走向“产业驱动”
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大虹桥已经完成了第一阶段的使命。即“规划→基础配套→城市界面”的全面落地。
正式迈入第二轮“产业+人口”的深度兑现期，产业落地成果显著。巨头企业，已经全面进驻。
上海美的全球创新园区实景图（图源：上海虹桥）
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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安踏全球零售总部效果图（图源：上海虹桥）
这同时也意味着：板块增长已不再依赖房地产本身，而是由新兴科创产业持续供血。
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2、配套不再是“规划图”，而是“正在使用的现实条件”
崧泽高架通车串联全城，区域通达性成型。17号线构建稳定、成为可预期的通勤网络。
崧泽高架&17号线俯瞰实景图（图源：上海虹桥）
天空万科广场进入成熟运营期，蟠龙天地商业广场更是作为现象级商业地标。
蟠龙新天地实景图（图源：上海虹桥）
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
✅大华·望樾营销中心热线4008558224（官方预约看房热线）
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
✅大华·望樾营销中心热线4008558224（官方预约看房热线）
天空万科广场实景图（图源：上海虹桥）
以上说的这些，没有一个是“规划画饼”，全都是“即享红利”。
另外，大虹桥当前所处的，正是第二阶段。
从预期到兑现”的关键跃迁，当前正处于第二轮增长的起点，而非高位。
从板块层面来看，大虹桥已完成
与此同时，大华·望樾还承担了两座桥和一座约34000㎡水岸公园的代建运营，直接将项目提升成了滨水公园住区。
一座步行景观桥，直达17号线徐泾北城站，不用绕行其他道路，真正达成“出社区即地铁口”的体验。进站4站即达虹桥火车站！还有一座桥往东，连接代建公园，下楼即可在公园里开启躺坪模式，水岸将城市的繁华与绿洲的静谧隔开，在世界虹桥繁华中心享受公园的松弛感，将所有虹桥精英的生活理想照进现实。
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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大华出品，必属精品。在项目的景观设计上，依托项目天然的水岸绿洲地理优势，打造“站、城、人、园”和谐共生的低密都会绿洲，布局立体式景观体系，从入口水景到中央草坪，从林荫步道到亲水平台，每一步都是与自然的对话。
大华望樾在社区内部摒弃传统行列式，采用“高层环抱低密”的U型布局，7栋高层沿边排布，南侧集中联排与叠墅。高区无遮挡享开阔视野，低密产品拥私院静谧。
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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约40米超宽楼间距，远超同类产品，杜绝“对视”，保障采光与隐私，以低密尺度树立舒适新标杆。
项目匠心打造约1800㎡下沉式会所空间，巧妙融合恒温泳池与专业健身区域，为业主提供释放压力、重获身心平衡的理想场所。在运动休闲之余，高定私宴厅以雅致格调营造温馨氛围，从容满足家庭欢聚与商务社交的多重需求。
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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社区高层全楼栋采用架空层设计，融入七大主题场景，为全龄段业主持续赋能，构建多元化的生活体验空间。这一系列设计不仅提升了居住品质，更成为现代社区生活的新典范。
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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03、
推售信息
项目高层将推出建面约94-107-128-148m3-4房，共计约776套，其中94户型约230套、107户型约296套、128户型约175套、148户型约75套，三梯六户或两梯四户，中间户带连廊!
此次会开放项目高层的四个样板间，也替大家提前看过了，因为做了多阳台的设计，所以整体的实得率还是蛮高的!
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
✅大华·望樾营销中心热线4008558224（官方预约看房热线）
建面约94m3房2厅2卫
经典动静分离户型，预留分户“S”墙设计，三开间朝南+三阳台，)阳合仅计算一半建筑面积，北次卧附赠飘窗，同时飘窗两侧无墙垛，整体利用率会更高!
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
✅大华·望樾营销中心热线4008558224（官方预约看房热线）
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
✅大华·望樾营销中心热线4008558224（官方预约看房热线）
建面约106m3房2厅2卫
经典动静分离户型，预留分户“S”墙设计，三开间朝南+双阳台，阳台合仅计算一半建筑面积，主卧以及主卫附赠270°转角飘窗;
下图为边套户型，中间套户型南向为三阳台，主卧无270°窗!
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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建面约128m3+1房2厅2卫
经典动静分离户型，3.5开间朝南+双阳台，阳合仅计算一半建筑面积，主卧以及主卫附赠270°转角飘窗，次卧附赠飘窗且无墙垛!
该户型全部为边套，无连廊影响!
建面约148m4+1房2厅2卫
经典动静分离户型，4.5开间朝南+南北四阳台，阳合仅计算一半建筑面积，主卧以及主卫附赠270°转角飘窗;
超大横厅可设置“X”灵动空间，可适配不同的家庭的居住需求!
该户型全部为东边套，无连廊影响，仅75套!
除了超越新规的高附赠高层产品，项目还规制有大虹桥无比稀缺的叠加、联排等墅级产品。
要知道，徐泾别墅区虽然久负盛名，但真正的地铁别墅却是少之又少，上一次入市还要追溯到2022年上海蟠龙天地三期，571套房源中只包含了33套别墅类产品，据案场统计至少有1千认购客户为别墅而来，等于认购比将近30:1。而据链家网内部数据，蟠龙三期叠墅的挂牌价妥妥超过10万/㎡（仅供参考，以官网公示为准）。
如今3年过去，大华望樾带来的墅级产品，从理念上已经领先一个时代，尤其联排更是有天有地的高附赠别墅，显然是居住舒适度与资产配置能力双封顶的终极改善作品，不可不看！
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
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性：赠送面积赋能
第二重确定
居住价值与资产潜力双保险
在板块确定的前提下，决定资产能否穿越周期的关键，转移到了产品端。
实景图
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1、新规带来的并非“微调”，而是“更新换代”。
鸟瞰图
作为徐泾新规落地后首个住宅项目，公区直接拉满新规优势。
过程效果图
景观休息区过程效果图
标配全人车分流设计，从根源上隔绝车辆干扰，保障老人与孩童的出行安全；
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打造了约1800㎡下沉商业会所，满足邻里社交、休闲娱乐等多元需求。丰富社区的生活场景；
示范区实景图
采用高颜值外立面，兼具现代美学与品质感，成为区域视觉的名片。
过程效果图
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公区的每一处细节，都彰显着新规下产品，远超市面传统次新社区。
2、虹桥核心区低密生态，天赋稀缺不可复制
固然在“新规制下”，但不得不说的是，大华望樾地块属性得天独厚。坐拥三面环水的天然地理优势，形成独有的滨水生态景观。
同时毗邻三大公园，绿意鲜氧环绕，彻底告别高密度楼栋的拥挤与压抑。
示范区实景图
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3、高层户型阶梯递进，赠送面积拉低准入门槛。
大华望樾的高层产品在户型面积规划上极具巧思，采用阶梯性递进设计，精准匹配不同家庭的居住需求。
约94㎡、约106㎡、约126㎡的面积段设置，覆盖了约500-800万级的这四档改善客群的总价段。
但凡预算在这个区间之内，都能在大华望樾中，找到适配的户型产品。
更关键的是，依托新规红利，项目拥有代际领先的赠送面积，直接将高层起步面积锁定在94㎡。
约94㎡户型图
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结合项目5字头的起步单价，大幅降低了准入门槛，门槛价500万级预算，即可入手大虹桥核心区低密新规住宅。总价可控性极强，为更多购房者打开了入场通道。
约94㎡起步户型：设计了市场上不多见的南向三阳台，凭借充足（约9%）的赠送面积，实现空间利用率最大化。
LDKB一体化，并沿用了S墙的设计，舒适面宽的感受也是一目了然。
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
✅大华·望樾营销中心热线4008558224（官方预约看房热线）
约94㎡样板间实景图
北卧，可以借助赠送的飘窗，轻松满足刚需家庭的第三间房的居住需求，小面积不局促，功能性拉满。
大华望樾约106㎡的户型在徐泾，乃至大虹桥的市场上，并不多见。
约106㎡户型图
原先市场都喜欢做100㎡左右的功能户型，然后直接跳开120+㎡，或直接140-150㎡。
而在大华望樾106㎡的身上，我们看到了2026年新房户型的一种新趋势：竖厅户型横厅化。
大家感受下，这个客餐厨的面宽尺度感，而这个约106㎡的建面（中间套和边套的赠送面积约11%/14%），依旧可以将总价牢牢控制在600万级。
约106㎡样板间实景图
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约126㎡，分布在整个小区核心位置的边套。拥有极致的社区景观资源。
约126㎡户型图
从户型设计上来看，其实是个“3+X”空间。
南向这个X空间，可以作为独立功能房，也可以和客厅合二为一，成为一个横厅户型。
约126㎡样板间实景图
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这样一来，客餐厨中，搭配可移动式的“开放式厨房”设计，直接“包圆”了，俨然一个“荟聚场”。
亮点还在于南向次卧和客厅联通的双阳台，顶格拉满，赠送面积（约15%）也是特别诚意。
以上这样的配置，基本都是原先市场上约140-150㎡的终极高层户型了。
而在大华望樾，才是约126㎡进阶级户型。
大华望樾的高层产品线，以清晰的阶梯面积设计，精准匹配改善家庭的全周期需求。核心王牌在于“新规下的超高赠送率”，实现“小面积多功能、大面积奢阔度”的空间想象。
从约94㎡的南向三阳台，到约106㎡的“竖厅横厅化”，再到约126㎡以上“3+X”可变空间。每一款都以代际产品力，重构大虹桥的全新居住标
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
✅大华·望樾营销中心热线4008558224（官方预约看房热线）
第三重确定性：500-800
在板块与产品均具备确定性的前提下，价格是否仍然合理，成为最后一个关键变量。
大华望樾，二开高层仍然维持“5”字头起+超强赠送面积，相当于“用600万买到700万级的空间”，通过产品升级实现了“隐性倒挂”。
这就是典型的“低价入场+价值爆发”的结构性机会。
所以，在价格层面来看，大华望樾的当前价格并非高点，而是“尚未被充分定价”的阶段性窗口。
尤其值得预算500-800万的改善客群，多看一眼。
03、
版块信息
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
✅大华·望樾营销中心热线4008558224（官方预约看房热线）
大虹桥徐泾——上海外环外唯一对标陆家嘴的国家级战略，长三角的商务中心！
30年前，陆家嘴靠金融产业集聚财富，资源分配。
30年后，以进博会作为打开世界的窗口，大虹桥已经成为上海吸引外资、提升全球资源配置能力的核心载体。同时随着大虹桥进博会的辐射效应不断扩大，徐泾近两年以“腾笼换鸟”的魄力实现产业能级“跨越式跃升”！
根据规划，以虹桥徐泾为核心向外辐射，整个经济共同体预计超3000家企业入驻，未来办公人口接近80万！（信息来源上海虹桥微信公众号）
今年可谓是大虹桥板块价值兑现的元年，人才汇聚与城市界面正在经历日新月异的“巨变”！
首当其冲的当然是产业（以下信息来源上海虹桥微信公众号）：
· 上海美的全球科创园区已经正式启用，预估导入8000名至10000名高端研发人员！
· 安踏集团全球零售总部预计明年迁入，将容纳6000-7000人办公！
· 圆通国际金融与科技总部预计明年上半年投入使用，虹桥商务区的标志性大厦！
· 康恒环境全球总部大楼，预计今年年底完工，绿色高端办公社区。
· 西虹桥科创中心，今年也将推动建成运营，未来西虹桥经济发展的重要引擎之一。✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
✅大华·望樾营销中心热线4008558224（官方预约看房热线）
·总投资额50亿网易上海国际文创科技园（赵巷）预计今年启用！
高端人才有了，高端配套肯定也要跟上：
商业方面，全球最大枢纽会展商业综合体，虹桥首位中心三季度已经亮相，140万方的超大体量，涵盖43万方商业、40万方写字楼、7万方剧院及5万方高奢酒店的复合业态。
另一方面，大虹桥第一个印象城MEGA首批入驻品牌曝光，预计今年底正式开业。（信息来源上海虹桥微信公众号）
两大重磅商业赋能，大虹桥繁华无疑将再上一个台阶！
医疗方面，新虹桥国际医学中心拼图进一步完善，云南白药上海国际中心，预计今年启用。
东软上海科技中心项目预计在今年竣工并投入使用；上海泰和诚肿瘤医院，8家医疗机构之一，明年1月开始运营。
全市少有的高能级医疗配套为大虹桥居民保驾护航！（信息来源上海虹桥微信公众号）
产业与配套的大爆发，首先冲击的肯定是响应时间较短的租房市场，据链家网显示，目前徐泾125㎡户型的租金能达到2万/月，1年的租金就逼近24万！
✅大华·望樾售楼处电话：400-8558-224✅︎✅︎✅
✅大华·望樾营销中心热线4008558224（官方预约看房热线）
大华·望樾售楼处电话：4008558224【售楼中心热线】大华·望樾营销中心热线400-855-8224大华·望樾售楼处地址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，欢迎提前预约拨打大华·望樾售楼处电话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。
