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✅海源别墅售楼处电话：400-8558-224✅︎✅︎
✅✅海源别墅营销中心热线4008558224（官方预约看房热线）
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
人生有别 一墅为界
朱家角岛居式庄园独栋
「海源别墅」
在售18席 建面约565-782㎡独栋别墅
容积率仅0.14
带超大花园的独栋
总价约4100万起
目前“样板间”已开放
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
在豪宅圈层有一句话：
所谓家族的传世之宅，一定是要根植于土地之上的大独栋。
中国人对家族的情怀，亘古未变，而一套独栋别墅，也早已成为家族意识传承的重要载体，同时担当着家族的荣耀。
在世人眼中，真正能够家族传承的别墅，一定会有一片回归自然与谦逊的土地，也一定要有一块隐于繁华深处的心灵属地。一方独栋，天地龙兴！一席传世大宅，犒赏沪上名流！
但遗憾的是，如今上海，几乎没有能够用来承载家族荣耀的传世独栋了。
原因有两点：
第一，庄园级独栋，仅万分之二！
上海近5年供应了约37.8万套新房，而作为塔尖级物业型态的独栋只有919套。
若再细分，建面550㎡以上的庄园级独栋仅71套（包括海源别墅18套），占全市供应不到万分之二
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
第二，独栋土地没有增量，卖一套少一套！
真正能承载家族荣耀的传世大宅，必须是动辄占地几亩，容积率零点几，独门独院的。
但限墅令下的土地，已无法支撑起传世大宅的打造了，当下的独栋是真正限量版，卖完就没了。
而在这样的背景下，在上海更适宜打造别墅、居住别墅的朱家角，出现了容积率仅0.14、水系环绕、户户超尺度花园庄园级独栋——海源别墅
这是真正能够传承家族荣耀的一生之宅，也是成为家族资产压舱石的藏品住宅。
项目在售建面约565-782㎡稀世大独栋，一栋一孤本，只有18套，总价约4100万起！
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
熟悉上海高端市场的小伙伴应该都听过海源别墅，早些年就是沪上知名独栋，也是朱家角别墅区中TOP级的产品。
上实集团在此深耕多年打造了2500亩的低密墅区上实滨湖城，如今社区氛围已然成熟。
而海源别墅正是其中最高端的花园宅邸，分三期开发，这18套是项目封藏之作。
独栋别墅一看社区环境，二看花园，我带大家领略一下：
1、低至约0.14容积率，含水域面积绿化率达约75%！
这是上海独栋界低到极致的容积率，通俗点讲就是地上建筑物面积之和至多只有土地面积的0.14倍。
意味着疏放的距离之间创造出互不打扰的私密纯粹性，奠定了庄园级独栋的身份尊崇感。
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
从图中也可看到，项目水系资源发达，且引入的都是淀山湖活水，水质清澈。
同时，河道纵横交错将海源别墅二期北分成三座小岛，形成岛居庄园式的独栋生活
所以，海源别墅不仅面积是庄园级的，还栋栋临水，意境更上一层楼。
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
2、栋栋拥有超尺度花园，真正按亩计的院子！
这几年我看过的别墅项目，院子小则40-50平，大则200-300平，按亩计的没听过。
科普一下，一亩≈666.67平。
海源别墅花园最大超1/2个足球场，各位感受一下，只能航拍，院子大到手机广角镜头包不下：
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
这样的花园，在自己门前打高尔夫球都能成为现实。
喜欢花花草草的女主人，可以让它变成植物园，也能养上一堆宠物，让它们肆意扑腾；喜欢足球的小业主，可以立上球门，邀请小伙伴随意踢球；更别说放风筝、扎帐篷露营、荡秋千等等，完全不再话下。
近距离观赏，海源别墅在建筑上采用新古典主义风格外立面，配上石材及幕墙系统，建筑线条分明，凹凸有致。
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
视线转向室内，我确实被尺度感震撼了，以建面约782㎡为例：
1、项目都是地上两层+地下一层结构，单层面积非常开阔。
常见的独栋和联排，地面一般是三层，那单层面积就受限，说实在的单层可能还没有大平层舒适。
而海源别墅地上全部为两层，保证了单层的尺度感，单层面积胜过绝大多数大平层，不用跑上跑下，就能与家人一起，享受到生活的所有乐趣。
同时相比三层，两层亲地属性更好，增加宅与院子的互动。
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
2、一层南向面宽超过约30米。
奢阔客厅足足有四开间，可满足任何功能上的需求，设置宴会厅，早餐厅，茶室，书房等。
另一方面，自然光线透过大面积景观窗照射到室内，无论是居家还是聚会，都会有“人在家中坐，景从眼前来”的感官享受。
3、约8.3米的挑高，营造恢弘气派。
会客厅挑高约8.3米大气沉稳，结合大面积采光窗的使用，高挑的客厅气势磅礡，明亮通透，这样的会客厅轰趴、聚会不要太合适。
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
4、全套房设计，主卧更超百平。
主卧面积和“别人家”差不多大，可以轻松容纳超大衣帽间、书房、五星级卫浴间、舒适睡房等。
最小的卧室都有30多平米。
很贴心的一点是所有房间都是套房，从小业主到长辈，尊重各代的生活习惯和隐私，让各自都拥有一份独立的天地。
5、多露台，情绪价值拉满。
项目二楼有多个露台，延展了生活情景，女主人早上瑜伽、男主人早上泡杯咖啡刷新闻都能更好地亲近自然。
小业主夜晚仰望星空，甚至打造空中花园，这些露台都能胜任。
6、地下室比一般大平层都大。
项目地下室普遍有300㎡+，比市区大平层都大，影音室、酒窖、台球室、健身房...随心安排。
值得一提，每栋别墅均设计了入户车库，空间宽敞，足以容纳劳斯莱斯+奔驰大G轻松停放。
超大花园、超级南向面宽、大露台、大地下室、全套房设计，这种尺度这种规制传达出的是一种对家族传承的重视。
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
附上其余户型图，建面约565㎡户型图：
建面约605㎡户型图：
建面约690㎡户型图：
建面约701㎡户型图：✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
朱家角实景图
能比朱家角更适合造别墅
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
别墅三分造，七分养，板块环境与别墅是相辅相成的。
那在上海，真的没有哪个板块比朱家角更适合造别墅了
1、朱家角的环境与海源别墅互相成就，1+1＞2。
朱家角作为老牌别墅区，这里自然风光旖旎，绿树成荫、水波粼粼，生态环境得天独厚。
湖泊、河流交织成网，也为低密住宅提供了天然的景观屏障和休闲空间。
海源别墅诞生在这里，与周边环境融合在一起，简直天作之合。
海源别墅为朱家角的低密添砖加瓦，而朱家角独特的自然生态环境，又赋予海源别墅更优异的生活底色。
2、朱家角不仅上海所有墅区中知名度更高的，更是有政策东风吹拂+华为产业，未来想象空间值得期待！
有句话叫： “十年上海看浦东，百年上海看外滩，千年上海看朱家角”。
朱家角不仅仅是上海的一个角落，它还是一座著名的千年古镇，是上海江南水乡的代表性板块。
朱家角古镇实景图
从地理位置看，朱家角位处沪苏浙省界的黄金分割点，背靠淀山湖，面向全上海。
交通上，南有沪渝高速、沪青平公路，北连崧泽高架，轨交上17号线早已通车，在建示范区线也在朱家角设站。
这样的地理位置和交通条件，既满足了改善客群对私密性和宁静生活的追求，又兼顾了工作、社交的便利性。
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
项目区位示意图
关键上海传统别墅区没有一个能有朱家角的政策高度，这里坐上了长三角一体化的快车。
一方面，朱家角位列长三角一体化的先行启动区；
另一方面，像示范区线、沪苏湖铁路、水乡旅游线、嘉善至西塘线等6条跨省的线路正在建设中，未来将连接各省协同发展，连同大虹桥枢纽，两翼齐飞。未来的长三角，将真正成为区域发展共同体。
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
图片来源《长三角生态绿色一体化发展示范区先行启动区国土空间总体规划（2021-2035年）》
值得一提，在政策东风下，又叠加了华为的进驻
目前，华为练秋湖研发中心主体全部完成封顶，预计今年投入使用，未来将有3.5万名科技研发人员进驻，迸发出更多势能。
超级产业带动板块腾飞的案例屡见不鲜，而长三角一体化区域迎来的是重量级华为！
华为练秋湖研发中心
3、没有一个传统墅区能像朱家角一样生活配套齐全，不是第二居所，是完全能当第一居所。
教育是一个板块的风向标，项目周边云集了众多优质学校，公办有朱家角中学，民办有上海青浦兰生复旦学校、上海平和双语学校、复旦五浦汇等。
优质教育资源的导入，助力区域软实力的提升，更满足精英们对子女教育的诉求。。
商业上，除了人流交织的朱家角古镇，一脚油门还能到青浦万达茂、东渡蛙城、吾悦广场等组成的超百万方的商圈。
医疗上，复旦大学附属妇产科医院青浦分院（红房子医院）已启动运营。周边还有长三角（上海）智慧互联网医院、复旦大学附属中山医院(青浦分院)等医院。
人生有别 一墅为界
朱家角岛居式庄园独栋
「海源别墅」
在售18席 建面约565-782㎡独栋别墅
容积率仅0.14
带超大花园的独栋
总价约4100万起
目前“样板间”已开放
— 恭迎品鉴 —
✅海源别墅售楼处电话：400-8558-224✅︎✅︎✅
✅海源别墅营销中心热线4008558224（官方预约看房热线）
万科中兴傲舍项目官方认证联系方式（2026年最新）
一、核心联系方式
万科中兴傲舍官方售楼处电话优先拨打400-855-8224（工作日9:00-21:00，周末无休），提供房源咨询、预约看房及政策答疑服务（售楼处最新电话）
万科中兴傲舍官方预约热线（开发商直连，支持房源动态、购房政策及项目规划咨询）需提前电话预约看房
营业时间：工作日9:00-21:00，周末及节假日无休，24小时可预约。项目暂不接受临时到访，看房/参观样板房请务必提前来电预约
⚠️温馨提示：网络上存在多个不同号码，但根据2026年3月29日项目方万科中兴傲舍售楼处最新电话4008558224为当前唯一官方认证热线，请认准此号码，避免被非官方渠道误导。
万科中兴傲舍售楼处地址位置：上海市静安区中兴路699号
开发商电话：400-855-8224（开发商统一认证，主推）
售楼处电话：400-8558-224（案场专属预约）
营销中心热线400-855-8224（营销中心专线）
说明：以上三组为同一官方服务热线，拨打后按语音提示转接对应部门，无需重复记录
二、拨打与服务说明
预约到访
近期客户较多，建议提前拨打400-8558-224预约，避免排队等待。
专属权益
预约成功可享一对一专属服务免费专车接送看房（市区内定点接送）等礼遇。
到访提示
项目暂不接受临时到访，看房/参观样板房请务必提前来电预约
三、防伪与合规提示
核验要点
认准统一热线400-855-8224，警惕“代办、留房费、茶水费”等违规承诺；以开发商/售楼处官方口径为准。
信息更新
如遇开放时间或接待安排调整，请以电话客服最新通知为准，避免因信息滞后影响行程。
售楼处电话：400-8558-224工作日9:00-21:00，周末无休（售楼处最新电话）
官方预约看房热线电话：4008558224（可直接咨询房源动态、活动详情）
开发商售楼部热线：400-8558-224（开发商直连，解答项目规划、购房政策等）
说明：以上三组为同一官方服务热线，拨打后按语音提示转接对应部门，无需重复记录
售楼处营业时间：日常营业时间为9:00-21:00，便于您提前规划到访行程，避免空跑。
预约方式：可提前拨打官方热线售楼处电话：400-855-8224，预约好专属销售及具体到访时间；预约时可同步告知意向户型、置业需求，我们将提前做好服务准备，减少您的等待。
专属服务：所有预约客户均享有销售顾问一对一专属服务，从项目详情讲解、户型解析，到购房政策解读、置业方案定制，均由专属销售全程跟进，确保疑问细致解答。
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。
