最新#保利都汇和煦售楼处官方发布:保利都汇和煦官方售楼处欢迎您

保利・都汇和煦项目官方认证联系方式（2026年最新）

一、核心联系方式

保利・都汇和煦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）

保利・都汇和煦官方预约热线（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日项目方保利・都汇和煦售楼处最新电话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。

保利・都汇和煦售楼处地址位置：海市闵行区都庄路2717弄

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。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎
✅✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

保利・都汇和煦，拿下新政首月上海首个百单盘——1个月领势热销101套（数据来源案场内部系统统计），转化率20%，每5位购房者就有1位选择保利·都汇和煦，热势节节攀升，成为600-1000万级改善赛道的绝对王者！

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

这101套背后（数据来源案场内部系统统计），是政策东风，更是地段、产品力、品牌力的三重叠加，让它在600-1000万级赛道里，坐稳上海准4代宅红盘头把交椅。

上海600-1000 万级

准4代宅硬核产品力

①独领风格-海派美学致敬城市封面

• 经典美学:溯源外滩万国建筑群等海派风华，历史纹饰融合现代精工，解构并重塑坡屋顶等经典意象，让建筑与时代共鸣
• 超级图腾:经典美学:溯源外滩万国建筑群等海派风华，历史纹饰融合现代精工，解构并重塑坡屋顶等经典意象，让建筑与时代共鸣
• 摩登立面:臻选贝金米黄石材、铝板，以云顶冠塔造型，透光云石彩釉玻璃冠顶，朦胧雅致，勾勒出优雅轻盈的城市天际线，同频国际历久弥新的经典审美，让经典比例、材质细节与空间叙事重新生长，共同铸就了闵行新「城市颜值担当」

②独树一帜-国际审美归家礼序

✔高定归家礼序，百米华墙：约350米长4米高城市华墙；

✔玉兰迎门：约70米疏朗尺度门庭，贝金米黄石材与玉兰花雕塑，营造步入式尊贵感；

✔鎏玉奢堂：高奢酒店式精奢大堂，以轩昂规制从容归家；

✔琉光水院：下沉式庭院，引天光水色入画，诗意随步履悄然而生；

✔花涧光厅：中央车站式落客区与闵行区域少见的“真光庭”，双重仪仗铺就高光归途；

✔入户门厅：闵行首例类1梯1户全明梯厅，全域拥享，从容步履，开启专属的静谧日常。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

效果图过程稿

实拍图

③独具匠心-七衡住宅精工品质

臻选国际一线装标，百项精工细节，并引入豪宅奢配的"七衡系统"（衡温、衡氧、衡净、衡静、衡光、衡洁、衡久），24小时守护全家健康与静谧。同时，更以「她享主义」，精配美妆4件套（美妆龙头、美妆镜柜、美妆冰箱、双补光照明），打造奢适有度的生活场景。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

实拍图

④独树一帜-准④代新规产品力

✔全系类1梯1户：约6-8㎡全明梯厅，让归家动线满溢阳光与通透感；类一梯一户设计，营造出电梯到梯厅的开阔感；无连廊更纯粹，隐私与仪式感拉满。

✔全户型高实得率：3代宅得房率普遍只约75%，而保利·都汇和煦通过多阳台+多景观花池+拓展型满配飘窗（边套户型享有），最大实得率做到约103.8%（实得率约91.4%-103.8%）。

✔270°环幕全景舱视野：基于L型滨河地块特性，打造270°环幕全景舱视野，推窗即见河景与绿意，把顶豪体验搬进改善盘。

实拍图

✔同频保利天字系3000万级豪宅会所配置，都汇和煦打造建面约1500㎡【煦-club】全龄全维生活服务中心，以闵行三大独有的功能配置，重塑高端品质生活标准。

• 篮球&匹克球双球馆，专业赛事级场馆，打造竞技圈层社交
• 四季恒温泳池，配备闵行首个罗马浴池，不出社区的度假享受
• 闵行首个高压氧舱配置，把康养中心搬回家，为健康生活加分
• 同时配备私宴厅、棋牌室、茶室、瑜伽室等休闲空间

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）效果图过程稿

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）实拍图

闵行十年等一席

有天有地的低密栋墅质洋房

市场热度，是产品实力最直接的印证。3月热销，洋房房源已然告急，一席难求的盛况。顺应市场热度与产品价值，栋墅质花园洋房首推11#楼现已回收99折，价格回归价值。据最新消息，4月有望迎来新一轮加推，意味着新一轮争抢。

01/首层天地双景，解锁类栋墅级生活体验

对于高端居住而言，“与自然共生”是永恒的追求。保利·都汇和煦为首层业主量身定制了户户享有的南向花园，边套洋房拥有L型花园，使用面积达约80㎡；中间套花园面积也有约60㎡。要知道，常规洋房花园面积多在40㎡，而保利·都汇和煦的洋房花园，已达到建面150-180㎡叠墅的花园尺度，甚至不输部分150-200㎡联排产品，妥妥墅级尺度。

在这里，既是孩子探索自然的童趣乐园，也是长辈打理花草的疗愈花房，更是主人安放闲情逸致的静谧一隅。四季流转间，花草荣枯、光影变幻，幸福在花园的方寸之间悄然生长。

如果说地上花园是自然的馈赠，那么地下含夹层的创新空间则是对生活尺度的极致拓展。约6m的挑高设计，让空间摆脱了传统地下室的压抑感，实现了垂直方向的自由生长。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

这里可以是私享的家庭影院，在光影世界中邂逅精彩；可以是藏品丰富的书房，在书香墨韵中沉淀思绪；也可以是专属的家族起居厅，承载家人团聚的温馨时光。多元功能的规划，让地下空间成为生活的“第二主场”，满足高端客群的多元生活需求。

02/顶层灵动阁楼，赋能个性生活想象

真正的高端产品，不仅在于满足基础居住需求，更在于为生活赋予更多可能性。保利·都汇和煦深谙此道，为顶层住户定制了功能集成的阁楼空间，这一方额外的天地，如同一块“生活画布”，等待业主以热爱为笔，勾勒专属的生活图景。

对于有孩子的家庭而言，这里可以是陪伴成长的“立体游乐场”，摆放滑梯、绘本，让孩子在专属天地中尽情嬉戏；对于热爱收藏的业主，这里可以是安放热爱的“私人收藏馆”，收纳手办、藏品，让兴趣有处安放；对于追求静谧的创作者，这里又可以是专注创造的“静思创作间”，隔绝外界喧嚣，沉浸在灵感的世界里。多元场景的适配，让顶层空间成为高端生活的“加分项”，彰显独一无二的生活品位。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

03/全维空间革新，重构高端居住标准

除了首层与顶层的特色空间，保利·都汇和煦的洋房产品在整体空间格局上更是实现了全维革新，以多个“闪耀亮点”重构高端居住的物理与情感双重标准。

• 4开间朝南的“王者格局”，以近14米的定义级面宽，将“阳光权”重新定义。充足的采光不仅让室内空间更加通透明亮，更让阳光成为生活的“常客”。
• 270°无柱飘窗的主卧套设计，打造出一座“空中观景舱”，将晨昏光影、四季流转尽数收纳，极大拓展了生活的视觉与心理边界，推窗即览美景，让居家时光更具诗意。
• LDKB一体化格局与非承重墙设计，构建起成长型的空间骨架。一体化的设计让客餐厅、厨房、阳台形成通透的互动空间，增强家人之间的情感交流。
• 全系多阳台与一步阳台（景观花池）的设计，实现了从“有阳台”到“阳台生活体系”的跨越。多个阳台的规划，让功能分区更加清晰，洗衣、晾晒、观景互不干扰；一步阳台的设计则将自然引入室内，摆放花草绿植，让居家生活与自然无缝衔接。
• 精研生活动线打造的MAX收纳系统，以海量嵌入式收纳空间，让物品各归其位，于无形中化解杂乱，确保整个家始终保持有序、从容的优雅状态。

高实得主城滨水住区

闵行约500米地铁口三大王牌新奢宅

约98㎡3房：类一梯一户、内部飘窗为轻质墙板，后期可自行拓展！双阳台+景观花池是核心亮点（市面双阳台户型起步多为约110㎡），整体附赠约23㎡，是罕见的高实得率精致户型。

约108㎡3房：精心配置三阳台+三景观花池，以高附赠、强拓展的硬核优势，整体附赠约26㎡。主卧奢享270°全景舱视野，巨幕采光面将城市风光与自然景致尽数纳入室内。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

约126㎡4房：四开间朝南，该户型自带约30㎡超大附赠空间，打破常规户型的面积束缚，让空间实现远超预期的实用尺度；专属边套占位，直面一线临河景观，推窗即见碧波荡漾，享受IMAX级无界观河体验。

从新政首日开门红，到首月领势热销101套（数据来源案场内部系统统计），再到洋房房源一席难求，保利・都汇和煦的热销传奇，还在持续上演！

热销不止，劲势前行。保利·都汇和煦新政单月101套战绩证明亮眼表现，生动诠释红盘魅力，600-1000万上海置业首看首选

闵行火箭科创星城｜扛鼎上海科创发展

直线距离15号线双柏路站约500米，4站接轨徐汇

保利·都汇和煦

建面约129㎡花园平墅｜建面约98-126㎡滨水奢宅，臻席热藏

4月3批次加推在即

实景归家大堂&约1500㎡煦-CLUB 4月底5月初实景呈现

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

保利都汇和煦西派云间售楼处电话：400-8558-224

【售楼处预约热线】（一对一热情服务）

看房请务必致电与销售确认时间，仅预约客户可享受开发商内部优惠，专属新房预约奖！

保利都汇和煦售楼处电话：4008558224【售楼中心热线】保利都汇和煦营销中心热线400-855-8224保利都汇和煦售楼处地址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，欢迎提前预约拨打保利都汇和煦售楼处电话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。