缦云上海首页官方网站-缦云上海售楼处电话-缦云上海楼盘详情-交房时间-地址-最新房价户型图-小区环境-楼盘详情-交房时间-周边配套-缦云上海售楼处电话

缦云上海售楼处电话：400-9939-964缦云上海官方电话：400-9939-964

上海杨浦合生缦云上海售楼处电话：400-9939-964.缦云上海售楼处电话：400-9939-964缦云上海官方电话：400-9939-964

上海杨浦合生缦云上海售楼处电话：400-9939-964.「缦云上海」

杨浦东外滩滨江板块

建面约206-330㎡大平层

一线品牌豪装交付 均价12万/㎡

收官楼王位置 可直接选

样板房提前线上预约

缦云上海售楼处电话：400-9939-964缦云上海官方电话：400-9939-964

The total price starts from 25 million!

总价2500万起！

The low-density small high-rise building "Hesheng Manyun" in Binjiang is still selling well!

滨江低密小高层【合生缦云】持续热销中！

A small number of large flat units with a construction area of approximately 209-330 square meters are available! Online reservation channel is included!

少量建面约209-330㎡大平层丨附线上预约通道！

Shanghai Yangpu Hesheng Manyun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦合生缦云上海售楼处电话：400-9939-964...

Yangpudong Bund Riverside Area

杨浦东外滩 滨江板块

【 Manyun Shanghai 】 Phase III

【缦云上海】三期

A large flat with a construction area of approximately 209/230 square meters

建面约209/230㎡大平层

The last batch of approximately 104 fully furnished units will be delivered

最后批次房源约104套 精装交付

The average price is 121,000 yuan per square meter

均价12.1万/㎡

Online reservations for the sales office are now in full swing

售楼处线上火热预约中

-- Welcome to savor --

—— 恭迎品鉴 ——

【缦云上海】绝版房源！小区C位+王炸户型，209/230㎡大4房错过不再有！内附一房一价表、户型图，新出202㎡大四房，恭迎品鉴

The first riverside project of the Hesheng Man brand - Man Cloud Shanghai

合生缦品牌首个滨江作品——缦云上海

Located in the scarce land resource area of Yangpu Riverside along the Huangpu River, it will develop a variety of business forms such as the Super Heshenghui Commercial Plaza, style buildings, 5A-grade office buildings, and high-end residences in the future. It is an 880,000-square-meter super TOD complex along the riverside.

位于黄浦江稀缺土地资源板块杨浦滨江，未来将建设超极合生汇商业广场、风貌建筑、5A甲级写字楼、高端住宅等诸多业态，是一线滨江88万方超级TOD综合体。

With a cumulative sales volume of 15 billion yuan over nine months, it ranked first in Shanghai's sales in 2023.

9个月累计销售150亿，位列2023上海销售TOP1。

The brand-new demonstration area and model rooms for the third phase of new products are now open for reservation!

三期新品全新示范区、样板间开放预约中！

Developer: Hopson Development

开发商：合生创展

Section: The core area of the southern section of Yangpu Riverside

板块：杨浦滨江南段核心区

Total land area: approximately 140,000 square meters

总占地面积：约14万方

Total construction area: approximately 880,000 square meters

总建筑面积：约88万方

The third phase of new housing launches: Composed of 10 to 12-story small high-rise buildings, it creates a rare low-density quality residential area by the riverside, opening the world's first riverside Aman life.

三期新推房源：10-12层小高层组成，打造滨江难得低密品质住区，启幕全球首座滨江缦生活。

The main unit areas are approximately 190 square meters, 229 square meters, 253 square meters, 269 square meters, and 330 square meters, featuring 4-5 bedrooms. The main unit types have a floor height of 3.3 to 3.5 meters, offering a private "independent elevator hall" design, exquisite craftsmanship and international first-line brand decoration, as well as a four-level fully decorated lobby and other product designs. It is the ceiling of quality residences in Shanghai.

主力面积约190㎡/229㎡/253㎡/269㎡/330㎡4-5房，主力户型3.3-3.5米层高，私享“独立电梯厅”设计、精工品质与国际一线品牌精装、四重精装大堂等产品设计，是上海品质住宅天花板。

Hesheng Chuangzhan

合生创展

A high-quality life is perfectly embodied

优质生活 完美体现

After 30 years of remarkable progress, it has gradually developed into a high-quality life operator covering the entire industrial chain. With its five major business segments - real estate, commerce, infrastructure, integrated life, and investment - running in parallel, it has grown into a comprehensive investment holding platform company empowered by technology and driven by industries.

30年卓著历程，逐步发展为全产业链优质生活运营商，旗下地产、商业、基建、合生活、投资五大板块并驱，成长为科技赋能及产业驱动的综合性投资控股平台公司。

Up to now, the cumulative development area has exceeded 30 million square meters, the land reserve is nearly 30 million square meters, and the enterprise brand value is 48 billion yuan. It has been awarded many titles such as "Top 100 Real Estate Company Brand Value in China", "Top 30 Real Estate Enterprises with Annual Investment Value in China", and "Comprehensive Value Operator" for many times.

截至目前，累计开发面积超3000万㎡，土地储备近3000万㎡，企业品牌价值480亿元 ，多次荣获“中国房地产公司品牌价值TOP100”，“中国年度投资价值地产企业TOP30”、“综合价值运营商”等多项称号。

The Group United Credit Rating Co., Ltd. has rated the main body credit rating and bond credit rating of Hopson Development Group as AAA.

集团联合信用评级有限公司将合生创展集团的主体信用等级及债券信用等级为AAA。

The financial situation is very stable.

财务状况非常稳健。

Yangpudong Bund Riverside Area

杨浦东外滩 滨江板块

【 Manyun Shanghai 】 Phase III

【缦云上海】三期

A large flat with a construction area of approximately 209/230 square meters

建面约209/230㎡大平层

The last batch of approximately 104 fully furnished units will be delivered

最后批次房源约104套 精装交付

The average price is 121,000 yuan per square meter

均价12.1万/㎡

Online reservations for the sales office are now in full swing

售楼处线上火热预约中

—— 恭迎品鉴 ——

▲ 一房一价汇总表

房型介绍

「缦云上海」

杨浦东外滩滨江板块

建面约206-330㎡大平层

一线品牌豪装交付 均价12万/㎡

收官楼王位置 可直接选

样板房提前线上预约

缦云上海售楼处电话：400-9939-964缦云上海官方电话：400-9939-964

The total price starts from 25 million!

总价2500万起！

The low-density small high-rise building "Hesheng Manyun" in Binjiang is still selling well!

滨江低密小高层【合生缦云】持续热销中！

A small number of large flat units with a construction area of approximately 209-330 square meters are available! Online reservation channel is included!

少量建面约209-330㎡大平层丨附线上预约通道！

Shanghai Yangpu Hesheng Manyun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦合生缦云上海售楼处电话：400-9939-964...

Yangpudong Bund Riverside Area

杨浦东外滩 滨江板块

【 Manyun Shanghai 】 Phase III

【缦云上海】三期

A large flat with a construction area of approximately 209/230 square meters

建面约209/230㎡大平层

The last batch of approximately 104 fully furnished units will be delivered

最后批次房源约104套 精装交付

The average price is 121,000 yuan per square meter

均价12.1万/㎡

Online reservations for the sales office are now in full swing

售楼处线上火热预约中

-- Welcome to savor --

—— 恭迎品鉴 ——

【缦云上海】绝版房源！小区C位+王炸户型，209/230㎡大4房错过不再有！内附一房一价表、户型图，新出202㎡大四房，恭迎品鉴

The first riverside project of the Hesheng Man brand - Man Cloud Shanghai

合生缦品牌首个滨江作品——缦云上海

Located in the scarce land resource area of Yangpu Riverside along the Huangpu River, it will develop a variety of business forms such as the Super Heshenghui Commercial Plaza, style buildings, 5A-grade office buildings, and high-end residences in the future. It is an 880,000-square-meter super TOD complex along the riverside.

位于黄浦江稀缺土地资源板块杨浦滨江，未来将建设超极合生汇商业广场、风貌建筑、5A甲级写字楼、高端住宅等诸多业态，是一线滨江88万方超级TOD综合体。

With a cumulative sales volume of 15 billion yuan over nine months, it ranked first in Shanghai's sales in 2023.

9个月累计销售150亿，位列2023上海销售TOP1。

The brand-new demonstration area and model rooms for the third phase of new products are now open for reservation!

三期新品全新示范区、样板间开放预约中！

Developer: Hopson Development

开发商：合生创展

Section: The core area of the southern section of Yangpu Riverside

板块：杨浦滨江南段核心区

Total land area: approximately 140,000 square meters

总占地面积：约14万方

Total construction area: approximately 880,000 square meters

总建筑面积：约88万方

The third phase of new housing launches: Composed of 10 to 12-story small high-rise buildings, it creates a rare low-density quality residential area by the riverside, opening the world's first riverside Aman life.

三期新推房源：10-12层小高层组成，打造滨江难得低密品质住区，启幕全球首座滨江缦生活。

The main unit areas are approximately 190 square meters, 229 square meters, 253 square meters, 269 square meters, and 330 square meters, featuring 4-5 bedrooms. The main unit types have a floor height of 3.3 to 3.5 meters, offering a private "independent elevator hall" design, exquisite craftsmanship and international first-line brand decoration, as well as a four-level fully decorated lobby and other product designs. It is the ceiling of quality residences in Shanghai.

主力面积约190㎡/229㎡/253㎡/269㎡/330㎡4-5房，主力户型3.3-3.5米层高，私享“独立电梯厅”设计、精工品质与国际一线品牌精装、四重精装大堂等产品设计，是上海品质住宅天花板。

Hesheng Chuangzhan

合生创展

A high-quality life is perfectly embodied

优质生活 完美体现

After 30 years of remarkable progress, it has gradually developed into a high-quality life operator covering the entire industrial chain. With its five major business segments - real estate, commerce, infrastructure, integrated life, and investment - running in parallel, it has grown into a comprehensive investment holding platform company empowered by technology and driven by industries.

30年卓著历程，逐步发展为全产业链优质生活运营商，旗下地产、商业、基建、合生活、投资五大板块并驱，成长为科技赋能及产业驱动的综合性投资控股平台公司。

Up to now, the cumulative development area has exceeded 30 million square meters, the land reserve is nearly 30 million square meters, and the enterprise brand value is 48 billion yuan. It has been awarded many titles such as "Top 100 Real Estate Company Brand Value in China", "Top 30 Real Estate Enterprises with Annual Investment Value in China", and "Comprehensive Value Operator" for many times.

截至目前，累计开发面积超3000万㎡，土地储备近3000万㎡，企业品牌价值480亿元 ，多次荣获“中国房地产公司品牌价值TOP100”，“中国年度投资价值地产企业TOP30”、“综合价值运营商”等多项称号。

The Group United Credit Rating Co., Ltd. has rated the main body credit rating and bond credit rating of Hopson Development Group as AAA.

集团联合信用评级有限公司将合生创展集团的主体信用等级及债券信用等级为AAA。

The financial situation is very stable.

财务状况非常稳健。

Yangpudong Bund Riverside Area

杨浦东外滩 滨江板块

【 Manyun Shanghai 】 Phase III

【缦云上海】三期

A large flat with a construction area of approximately 209/230 square meters

建面约209/230㎡大平层

The last batch of approximately 104 fully furnished units will be delivered

最后批次房源约104套 精装交付

The average price is 121,000 yuan per square meter

均价12.1万/㎡

Online reservations for the sales office are now in full swing

售楼处线上火热预约中

—— 恭迎品鉴 ——

▲ 一房一价汇总表

房型介绍

缦云上海售楼处电话：400-9939-964缦云上海官方电话：400-9939-964

上海杨浦合生缦云上海售楼处电话：400-9939-964.缦云上海售楼处电话：400-9939-964缦云上海官方电话：400-9939-964

上海杨浦合生缦云上海售楼处电话：400-9939-964.「缦云上海」

一、法律本质：所有权是否转移的底层逻辑

按揭与贷款的核心差异，在于抵押物的所有权归属。

01 按揭的三方博弈

按揭贷款涉及购房者、银行、开发商三方。购房者支付首付后，开发商将房屋产权暂时抵押给银行，银行向购房者发放贷款。此时，房屋所有权在形式上转移至银行，直至贷款全部还清，产权才回归购房者手中。这一过程如同租客与房东签订长期租赁合同——租客虽可居住，但产权始终在房东（银行）名下，直到租金（贷款）付清。

02 贷款的二元关系

普通抵押贷款仅涉及借贷双方。借款人将已有产权的房产抵押给银行，获得资金用于其他用途（如经营、消费）。此时，产权仍属于借款人，银行仅持有抵押权。这种模式更像典当行——抵押物仍在物主手中，但物主需按期支付利息以保留赎回权。

03 政策设计意图

按揭制度诞生于商品房预售制背景，旨在解决购房者资金不足与开发商回款需求之间的矛盾。而普通抵押贷款则服务于更广泛的资金融通需求，二者共同构成中国居民信贷市场的“双轨制”。

二、操作流程：时间轴上的分水岭

从申请到放款，按揭与贷款在时间线上呈现显著差异。

01 按揭的“先上车后补票”

按揭贷款启动于购房者未取得房产证之前。开发商与银行签订合作协议，购房者凭借预售合同申请贷款。银行放款后，开发商获得全额房款，购房者则进入长期还款周期。待贷款结清，购房者才能办理产权过户。此过程如同网购分期——消费者先收货使用，再按月支付尾款。

02 贷款的“先确权后融资”

普通抵押贷款要求借款人已持有房产证。银行需核实产权归属、评估抵押物价值后，方可发放贷款。这种“先确权后放款”的流程，确保银行对抵押物拥有充分控制权。其逻辑类似于存款质押——储户必须先将资金存入银行，才能以此作为担保申请贷款。

03 风险防控机制

按揭贷款中，开发商需为购房者提供阶段性担保，直至房产证办理完成。这种设计将开发商纳入风险共担体系，降低银行坏账风险。而普通抵押贷款更多依赖抵押物本身价值，银行需承担市场波动带来的估值风险。

三、经济效应：利率与期限的博弈场

利率水平和还款期限的差异，折射出两种工具的金融属性。

01 利率的“风险定价法则”

按揭贷款利率通常低于普通抵押贷款。2024年10月，5年期以上LPR为3.6%，首套房贷利率普遍下浮至3.45%，而经营性抵押贷款利率多在4.2%以上。这种差异源于风险权重——按揭贷款有开发商担保和房产双重保障，而普通贷款仅依赖抵押物价值。

02 期限的“时间杠杆效应”

按揭贷款期限可长达30年，将还款压力分摊至整个职业生涯。普通抵押贷款期限多在5-10年，更适合短期资金周转。这种差异如同房贷与消费贷的区别——前者是“用未来30年收入买当下住房”，后者是“用已有资产换眼前现金流”。

03 政策工具的调控功能

央行通过调整按揭利率浮动比例，可精准调控房地产市场。例如2024年多地取消利率下限，首套房贷利率较LPR下浮50个基点，直接刺激刚需购房需求。而普通抵押贷款利率更多由市场供需决定，政策传导效应较弱。

四、决策坐标系：购房者如何选择

理解差异是为更好决策。购房者应根据资金状况、使用需求、风险偏好综合考量。

【A】场景适配模型

■ 按揭优先：首付比例低、收入稳定的年轻家庭，适合通过长期按揭平滑购房压力。

■ 抵押贷款优先：已有房产、需要经营资金的中小企业主，可通过抵押盘活固定资产。

【B】风险对冲策略

■ 利率敏感型：选择LPR浮动利率按揭，享受降息周期红利。

■ 现金流紧张型：普通抵押贷款可搭配先息后本还款方式，减轻前期压力。

结语：金融工具的本质是资源配置

按揭与贷款的区别，本质是资金流向与风险分配机制的差异。按揭将未来收入转化为当下住房，贷款将既有资产转化为流动资本。对普通家庭而言，无需纠结概念差异，而应关注自身需求与金融工具的匹配度。正如诺贝尔经济学奖得主罗伯特·席勒所言，“好的金融设计应让普通人以可承受的成本，实现最重要的生活目标”。