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✅中环铂樾售楼处电话：400-8558-224✅︎✅︎
✅✅中环铂樾营销中心热线4008558224（官方预约看房热线）
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
凡是看过项目的户型和精装，都会感叹一句：这是南大现象级的标杆作品！
1、产品全面升级：满分硬核户型×全维升级精装，“户户皆爆款”，重新定义越级改善的“好房子”模板！
亮点一：经典四开间朝南+大横厅设计，超绝采光户型！
中环铂樾建面约139㎡的户型（西边套），独立电梯厅+罕见的大横厅设计，大面宽短进深，约15.05m的南向奢阔面宽，无论是采光感、尺度性都拉到了极致，享受城央豪宅级别的采光。
户型图，仅供参考
亮点二：真四房配置，实现大家族改善！
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
市面上大多数140㎡的户型都是3+1房，北向的小房间只能充当储物间等简单用途。
反观中环铂樾，所有卧室兼具舒适居住尺度，4个房间都能做卧室，实现家庭居住人口的迭代升级。尤其主卧全套房设计，搭配270°转角飘窗和独立卫浴，私密性和舒适度简直爆表。
户型图，仅供参考
关键是，139㎡四房可直接媲美市面上166㎡的居住体验，相同的空间尺度感，却能省下约30㎡的资金成本，劲省200万左右！
亮点三：全屋飘窗赠送
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
主卧270度全景视野，加上三个次卧、厨房都赠送飘窗，实际使用体验超多面积.....完全符合改善中产对于“好房子”的居住期待，二胎生活亦或是三代同堂，尺度绰绰有余！
户型图，仅供参考
建面约110㎡三房边套户型，约5.4m超大横厅、南向面宽做到了惊人的约12.3米，堪比别墅级别的产品！巨幕阳台+边套270°景观视野，空间体验与采光感拉满！
而且整个户型几乎是0过道，增加了空间体验率，加上5个飘窗的赠送面积，居住空间做到“随心所欲”，这也是700万置业南大的最后入场机会。
户型图，仅供参考
建面约110㎡中间套竖厅户型，同样也是标准的南北通透飞机户型，整体室内的采光、尺度感、通风都相当出色。非常适合一家三口、年轻夫妻的全生命周期需求！
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
户型图，仅供参考
2、超高水准的装标，秒杀市面上同类型产品，给业主超配千万级豪宅的享受。
中环铂樾的精装水准也是一流，从入户门起就感受到它的奢贵大气，精雕铝装甲门+耶鲁五合一智能门锁；
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
入户/精雕铝装甲门+耶鲁五合一门锁
全屋不惜成本，采用昂贵的华为智慧家居系统，能够控制家里灯光、空调、地暖等，也集成了很多面板的功能，既节省空间，又增加颜值，彰显“科技住宅”的含金量！
入户/华为智能家居系统
更贵、更高能级的大金空调和地暖两联供也是丝毫不吝啬；
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
厨房方面，项目不仅使用了住建部好房子厨电样板房间同款，更是贴心的设计了集成烹饪中心（烟灶联动、制冷空调、蒸烤同烹）、集成净洗中心（水槽与洗碗机一体化），更加贴合本土的烹饪习惯：
厨房/全屋定制橱柜，方太集成烹饪中心和集成净洗中心
①二代净洗，洗碗机（16套大容量）与水槽结合，可以节省一组600柜；
厨房/洗碗机（16套大容量）与水槽结合
②烤箱与灶具结合，蒸烤油烟不出厨房；
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
烤箱/蒸烤同烹
③508L大容量的博世冰箱纯平嵌入，与橱柜深度尺寸一致，使用更便捷、也更美观；
厨房/冰箱纯平嵌入，美观实用
④加载五金升级、调味拉篮、锅具拉篮，800碗碟三层拉篮，餐厅零食拉篮柜等；容量节省了约250L，相当于5.7个20寸登机箱，极致的收纳。
极致收纳
⑤大手笔的在厨房设计了油烟机自带制冷空调，相比只能吹风的凉霸而言，这样的设计更美观也更舒适，用实力演绎千万级别的高端住宅体验！
厨房/油烟机自带制冷空调，比凉霸更智能
再来看卫浴，杜拉维特的卫生间面盆；汉斯格雅的卫生间龙头、五金；AO史密斯燃气热水器、杜拉维特智能马桶等国际一线大牌，全部拉满。
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
卫浴/杜拉维特的面盆和智能马桶
还有更多细节：比如整个公共区域都是瓷砖通铺。139㎡采用简一密拼瓷砖，餐客厅、厨房通铺，尺寸达到每块900*1800mm，在视觉上形成一个整体，简约大气；
大尺寸瓷砖通铺，简约大气
全套橱柜都是交付标准，并且全面采用定制橱柜，同时表面还使用了PET材料镀膜；
橱柜/餐边柜
室内也大量运用了木饰面、弧形等豪宅元素，让整体空间氛围更加突出；
阳台顶面预留电动晾衣架的接电，做成隐藏式的晾衣架，美观又具实用性...........
阳台增加隐藏式电动晾衣架，兼具美感与实用性
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
目之所及，能看得见的角落，全部武装到位！可以想像，业主入住的舒适度非其他项目可比！这绝对是目前上海中环沿线、约700万级的产品力之王！
不光户型设计惊喜，从地段上来看，「中环铂樾」也是700万级地段中的超配王者：
它位于南大智慧城的双子塔片区，这里才是毋庸置疑的、真正的南大核芯。以南大路为核心，周边规划了多座超100米，最高约250米的地标建筑。规模堪比陆家嘴、北外滩。未来会是南大最新的城市封面。
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
南大智慧城效果图
示意图
「中环铂樾」的业主居住在这里，随手可触及的范围内有产业、有商业、有公园、有学校、有地铁站、有医院、有办公，足以应对生活的方方面面，居住属性点满了！
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
区位图，仅供参考
目前南大产业落地速度非常快
总部经济方面，引入中车资产、中建港航等国企央企落子南大；数字经济方面，建设“数智南大”市级特色产业园区，引入捷瑞肯、太初等上市公司、领军企业。生命科学方面，落地“菌群移植”细分赛道领先者—承葛医药，集聚塞力斯、新镁生物、吉态莱博等优质企业。
尤其亮眼的是，今年2月正式启用上海宝山区上大通用智能机器人研究院。
商业上，双TOD商业正在落地
南大路站、双子塔下临港数智中心配套商业（购物中心）4万方商业（预计今年9月开业），将吸引大量人群。丰翔路站的万象汇已经在建（预计27年底竣工），规模达27万方，未来将是整个北上海的商业标杆，这座商场距离中环铂樾步行不过约800米。
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
15号线&7号线双轨交护航：项目距离15号线南大路站仅约300米，就在家门口！可快速直达上海西站TOD。更临近7号线，可速达静安寺、徐家汇等核心商圈。出行通勤，无需等待。
教育资源也十分充沛，项目周边分布了14所学校——8所国际蒙氏园+2所双语小学+1所科创初中+1所市重点高中+2所九年一贯制旗舰校！
其中宝山区南大实验学校、南大实验幼儿园等5所学校均已建成并投入使用；市实验性示范性高中上海师范大学附属中学宝山分校也已竣工，等待交付使用。
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
南大实验学校与上师大附小（在建中）双星闪耀，形成「双一流高校附属+实验教育集团」的钻石师资联盟，全面为孩子的教育保驾护航。（注：学区划分以政府主管部门及办学方政策确定，开发商不做承诺）。
同时，300亩中央南大公园就在家门口，直线约500米就是南大中央公园，预计2025年12月底竣工！住在这里，鲜氧风景推窗即享。
南大中央公园效果图
总结下来：中环铂樾的黄金半径内，拥有刷新城市天际线的地标建筑集群，汇聚国际科创精英构建的高智圈层，双轨TOD繁华，千亩生态绿肺南大公园，15号线&7号线黄金动线，名校环伺，是对标陆家嘴、对话前滩滨江级别的开发区域。
此刻入驻这座未来城市会客厅，置业门槛700级——恰恰是把握时代红利的最后窗口期。
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
产品上，中环铂樾也带来了更多惊喜：纵观目前南大板块的住宅供应，几乎都是20层以上的高层小区，而且层层有连廊，隐私性不高。大体量社区还有一个缺陷，就是社区资源人均占有率比较低。
而项目是4栋14-17F小高层，是板块内更纯粹的改善型低密住区，这样的优势非常明显：
效果图，仅供参考
☑小而精社区优势明显，业主人均占有资源更充足
管理方便、安全性能高，保安可以认识每一个客户，最大程度保障客户安全；邻里关系更融洽，总结就是居住属性比大型社区更上一层level！
同时小社区业主往往都惜售，未来的二手市场也会更保值。
这一次，万亿央企背书，中建港航局&中建七局地产双央企联手，实力与底气兼具。中建七局作为世界500强第14位中国建筑的核心子企业，曾参与建设北京大兴机场、郑州奥体中心等超级工程！
作为布局上海的首发之作，项目邀请了更权威豪宅大师设计团队共创。特邀豪宅缔造专家梁志天（汤臣一品、露香园）、奢逸空间设计者黄剑锋、园林专家司洪顺等大师，势必“响誉上海”！
美学外立面，大宽幅玻璃幕墙，以海派弧线、大宽幅玻璃幕墙打造鎏金立面，极具辨识度，光影流转间尽显现代美学张力。
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
效果图，仅供参考
五感归家仪式，享星级酒店尊崇体验：
虽然社区只有四栋楼，但凭借高超的设计，打造了出色的多层次、组团化的景观：“一进二礼三聚四迎五享”归家礼序动线，「花汀缦庭」森林归家轴，「云幕会客厅」、「奇遇乐园」、「环笙花苑」宅间花园。
此外，项目打造双精装入户大堂（地面+地库），给到满满的归家仪式感。
效果图，仅供参考
豪宅级别的「架空层泛会所」，更为精致、功能全面。项目在2#，3#，4#打造了童乐联萌、友来友趣、樾动力、樾万卷、樾友会、樾学堂等主题架空层，社交会友、健身乐活、童玩天地、康体颐养，涵盖各个年龄段，享受高品质的生活。
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
效果图，仅供参考
最后谈到物业，中建七局地产物业给到业主更贴心、更细致入微的服务。目前管理面积近600万㎡，服务3万余户10万余人。荣获“2025中国国有物业服务优秀企业”，品牌有保障。
在「中环铂樾」的每一天，业主都能感受到如家的温暖。
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
为什么说「中环铂樾」是当下最具质价比的作品？
1、2025年中环房价迎剧变，门槛将达千万级。
目前中环价格体系：大宁12万+/㎡，西郊约11.8万+/㎡，徐汇滨江冲刺19万+/㎡，新杨思12万+/㎡，桃浦约8.5万+/㎡，长征约10.2万/㎡，长桥约11.5万/㎡，三林滨江早就站稳了11.7万/㎡…想在中环边入手一套百平三房，门槛1000万起步。
总价“7”字头站稳中环且具有爆发式发展潜力的，只剩南大。
2、与周边竞品相比，产品&价格有大惊喜！
同样是地铁房，往前一站的桃浦百平三房，已经是800万级，「中环铂樾」首开66000元/平的惊喜均价，总价约700万+，同样是三房产品，劲省100-200万！
往后一站的丰翔路新房价格约6.9万/㎡，建面约108㎡三房，大高层总价约700万级。而「中环铂樾」建面约110㎡的正3房，是纯小高层，地段更接近市中心，户型更大，产品&品质更升一级，这样的性价比怎么能不心动？
3、地段更具潜力，南大是上海更为新兴、发展前景的地段
✅中环铂樾售楼处电话：400-8558-224✅︎✅︎✅
✅中环铂樾营销中心热线4008558224（官方预约看房热线）
同时，买房首选潜力地段。对比起淞南这样的成熟具有烟火气的板块，入市的新房项目都是点状式更新，几乎没有太多成长空间，也没有高规格的商业。而南大，作为现代感与科技感极强的板块，拥有约25万平的万象汇，未来的发展前景更大更广阔！
「中环铂樾」，或许是购房者最后一个以66000每平的门槛券，买到中环潜力地段的核心产品的“质价比”之作！
写在最后：当土拍单价不断冲顶中环价格标尺，这片科创走廊已跃升为上海主城最具爆发力的价值高地。
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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。
