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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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

Man Yun Shanghai has chosen to be located in Yangpu Riverside, a global future science and technology innovation highland. With an 880,000-square-meter flagship riverside complex, it will lead the renewal of the future life along Yangpu riverside.

缦云上海择址全球未来科创高地杨浦滨江,以88万平方米一线滨江旗舰综合体,引领未来杨浦滨江生活的面貌焕新。

The project creates approximately 189-270 square meters of riverside large flat products, about 35,000 square meters of folding garden landscapes, and low-density small high-rise product designs, reserving a more immersive natural environment for daily life.

项目打造约189-270平方米滨江大平层产品,约3.5万平方米折叠园林景观,低密小高层产品设计,为生活预留更沉浸的自然。

The interior aesthetic design mainly features a ceiling height of approximately 3.3 to 3.5 meters, with a maximum width of about 10 meters for the living room, extending the living realm.

室内美学设计主力约3.3-3.5米层高,最大约10米客厅面宽,延展生活境界。

The project pursues the texture and quality of natural elements in the materials of the living room. The customized service package reservation for the whole-house intelligent system, meticulous storage, healthy illuminance, and arc aesthetics, etc., delicately and meticulously shape the sense of ceremony in the space.

项目在材质居室材料上追求自然元素的肌理和质感,全屋智能系统的定制服务包预留、精细化收纳、健康照度、圆弧美学等,细腻有致地塑造着空间的仪式感。

The sales office phone number of Manyun Shanghai is 400-9939-964. The official phone number of Manyun Shanghai is also 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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

"Manyun Shanghai"

「缦云上海」

Yangpudong Bund Riverside Area

杨浦东外滩滨江板块

Large flat units with a construction area of approximately 206 to 330 square meters

建面约206-330㎡大平层

The average delivery price for luxury decoration of first-line brands is 120,000 yuan per square meter

一线品牌豪装交付 均价12万/㎡

The location of the final building king can be directly selected

收官楼王位置 可直接选

Make an online reservation in advance for the model room

样板房提前线上预约

The sales office phone number of Manyun Shanghai is 400-9939-964. The official phone number of Manyun Shanghai is also 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

上海杨浦缦云上海售楼处电话:400-9939-964..

缦云上海三期一房一价表:

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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

The third batch of land auctions in Shanghai in 2024 began. Among them, the highly anticipated 02H1-01 plot in Pingliang Community, Yangpu District, was finally acquired by Poly Development after 60 rounds of bidding!

24年上海三批次土拍开拍,其中备受关注的杨浦区平凉社区02H1-01地块,经过60轮的举牌,最终由保利发展斩获!

The total price is 2,202.72 million yuan, the floor price is 88,462 yuan per square meter, and the premium rate is approximately 21.18%!

总价220272万,楼面价88462元/㎡,溢价率约21.18%!

The sales office phone number of Manyun Shanghai is 400-9939-964. The official phone number of Manyun Shanghai is also 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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

This land sale will determine the successful bidder based on the principle of the highest bid, with no restrictions on land price or housing price. It is the first land king in Shanghai after the abolition of land price caps!

本次出让按价高者得原则确定竞得人,不限地价,不限房价,是上海取消土地限价后的第一个地王!

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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

This round will also be beneficial to Poly Langyu and Manyun Shanghai. Poly Langyu has already opened for sale, and Manyun Shanghai is about to be subscribed.

这波还会利好一下保利琅誉和缦云上海,保利琅誉已开盘,缦云上海即将认购。

It can be said that the recovery of the market prices of luxury houses in Yangpu is real!

可以说,杨浦豪宅市场价格的回暖是真实存在的!

For every four new houses sold for over 20 million yuan, one comes from Manyun Shanghai.

每卖出4套2000万以上的新房,就有1套来自缦云上海。

Buying is a gain!

买到就是赚到!

1. High-end AMAN series products of Hesheng Real Estate

1 合生地产 高端缦系产品

The sales office phone number of Manyun Shanghai is 400-9939-964. The official phone number of Manyun Shanghai is also 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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

This project is Hesheng's first "Man Yun" work in Shanghai, with a total construction area of approximately 800,000 square meters. It is a super complex along the Yangpu Riverside and a brand-new district on the Yangpu Riverside landscape belt. The project integrates multiple business forms and will build Hesheng Hui Commercial Plaza, high-end residences, style villas, five-star hotels, office buildings and many other business forms in the future.

该项目是合生在上海首个缦云作品,总建面约80万㎡,是杨浦滨江一线的超级综合体,更是杨浦滨江风貌带上的全新街区,项目集合多业态于一体,未来将建设合生汇商业广场、高端住宅、风貌别墅、五星级酒店、办公写字楼等诸多业态。

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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

The only pure large unit community in the area, representing a more pure owner circle ‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍

区域内唯一纯粹大户型社区,代表更纯粹的业主圈层‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍

The large flat units with a construction area of approximately 206 to 330 square meters are finally on sale, with an average price of about 120,000 yuan per square meter, which can be directly selected. They all still follow the design of one elevator per household.

建面约206-330㎡大平层收官发售均价约12万/㎡可直接选,都还是准一梯一户的设计。

The sales office phone number of Manyun Shanghai is 400-9939-964. The official phone number of Manyun Shanghai is also 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

上海杨浦缦云上海售楼处电话:400-9939-964..

户型图如下

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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

Man Yun Shanghai has chosen to be located in Yangpu Riverside, a global future science and technology innovation highland. With an 880,000-square-meter flagship riverside complex, it will lead the renewal of the future life along Yangpu riverside.

缦云上海择址全球未来科创高地杨浦滨江,以88万平方米一线滨江旗舰综合体,引领未来杨浦滨江生活的面貌焕新。

The project creates approximately 189-270 square meters of riverside large flat products, about 35,000 square meters of folding garden landscapes, and low-density small high-rise product designs, reserving a more immersive natural environment for daily life.

项目打造约189-270平方米滨江大平层产品,约3.5万平方米折叠园林景观,低密小高层产品设计,为生活预留更沉浸的自然。

The interior aesthetic design mainly features a ceiling height of approximately 3.3 to 3.5 meters, with a maximum width of about 10 meters for the living room, extending the living realm.

室内美学设计主力约3.3-3.5米层高,最大约10米客厅面宽,延展生活境界。

The project pursues the texture and quality of natural elements in the materials of the living room. The customized service package reservation for the whole-house intelligent system, meticulous storage, healthy illuminance, and arc aesthetics, etc., delicately and meticulously shape the sense of ceremony in the space.

项目在材质居室材料上追求自然元素的肌理和质感,全屋智能系统的定制服务包预留、精细化收纳、健康照度、圆弧美学等,细腻有致地塑造着空间的仪式感。

The sales office phone number of Manyun Shanghai is 400-9939-964. The official phone number of Manyun Shanghai is also 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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

"Manyun Shanghai"

「缦云上海」

Yangpudong Bund Riverside Area

杨浦东外滩滨江板块

Large flat units with a construction area of approximately 206 to 330 square meters

建面约206-330㎡大平层

The average delivery price for luxury decoration of first-line brands is 120,000 yuan per square meter

一线品牌豪装交付 均价12万/㎡

The location of the final building king can be directly selected

收官楼王位置 可直接选

Make an online reservation in advance for the model room

样板房提前线上预约

The sales office phone number of Manyun Shanghai is 400-9939-964. The official phone number of Manyun Shanghai is also 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

上海杨浦缦云上海售楼处电话:400-9939-964..

缦云上海三期一房一价表:

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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

The third batch of land auctions in Shanghai in 2024 began. Among them, the highly anticipated 02H1-01 plot in Pingliang Community, Yangpu District, was finally acquired by Poly Development after 60 rounds of bidding!

24年上海三批次土拍开拍,其中备受关注的杨浦区平凉社区02H1-01地块,经过60轮的举牌,最终由保利发展斩获!

The total price is 2,202.72 million yuan, the floor price is 88,462 yuan per square meter, and the premium rate is approximately 21.18%!

总价220272万,楼面价88462元/㎡,溢价率约21.18%!

The sales office phone number of Manyun Shanghai is 400-9939-964. The official phone number of Manyun Shanghai is also 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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

This land sale will determine the successful bidder based on the principle of the highest bid, with no restrictions on land price or housing price. It is the first land king in Shanghai after the abolition of land price caps!

本次出让按价高者得原则确定竞得人,不限地价,不限房价,是上海取消土地限价后的第一个地王!

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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

This round will also be beneficial to Poly Langyu and Manyun Shanghai. Poly Langyu has already opened for sale, and Manyun Shanghai is about to be subscribed.

这波还会利好一下保利琅誉和缦云上海,保利琅誉已开盘,缦云上海即将认购。

It can be said that the recovery of the market prices of luxury houses in Yangpu is real!

可以说,杨浦豪宅市场价格的回暖是真实存在的!

For every four new houses sold for over 20 million yuan, one comes from Manyun Shanghai.

每卖出4套2000万以上的新房,就有1套来自缦云上海。

Buying is a gain!

买到就是赚到!

1. High-end AMAN series products of Hesheng Real Estate

1 合生地产 高端缦系产品

The sales office phone number of Manyun Shanghai is 400-9939-964. The official phone number of Manyun Shanghai is also 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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

This project is Hesheng's first "Man Yun" work in Shanghai, with a total construction area of approximately 800,000 square meters. It is a super complex along the Yangpu Riverside and a brand-new district on the Yangpu Riverside landscape belt. The project integrates multiple business forms and will build Hesheng Hui Commercial Plaza, high-end residences, style villas, five-star hotels, office buildings and many other business forms in the future.

该项目是合生在上海首个缦云作品,总建面约80万㎡,是杨浦滨江一线的超级综合体,更是杨浦滨江风貌带上的全新街区,项目集合多业态于一体,未来将建设合生汇商业广场、高端住宅、风貌别墅、五星级酒店、办公写字楼等诸多业态。

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

Shanghai Yangpu Man Yun Shanghai Sales Office Tel: 400-9939-964...

上海杨浦缦云上海售楼处电话:400-9939-964..

The only pure large unit community in the area, representing a more pure owner circle ‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍

区域内唯一纯粹大户型社区,代表更纯粹的业主圈层‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍‍

The large flat units with a construction area of approximately 206 to 330 square meters are finally on sale, with an average price of about 120,000 yuan per square meter, which can be directly selected. They all still follow the design of one elevator per household.

建面约206-330㎡大平层收官发售均价约12万/㎡可直接选,都还是准一梯一户的设计。

The sales office phone number of Manyun Shanghai is 400-9939-964. The official phone number of Manyun Shanghai is also 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

上海杨浦缦云上海售楼处电话:400-9939-964..

户型图如下

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

上海杨浦缦云上海售楼处电话:400-9939-964..

一场张弛有序的空间叙事,从充满仪式感的入户场域拉开序幕,独特的单椅,极简挂画,与墙板、艺术漆的巧妙融合,共同编织出这个空间独有的设计语言。

打破原有空间,重新规划动线,减少色彩的喧嚣,让光影成为空间的主角。光影倾斜,为室内空间披上了一层温柔的滤镜,极简风格在此刻大放异彩,成为设计师解放空间、赋予空间新生的关键。

设计上,采用木质、进口漆、石材等元素的混搭融合,让生活的质感在每一个细节中流转。柔和的进口漆与木质墙面相得益彰,功能区之间实现了自然、流畅的过渡。

柔和布艺与艺术造型的完美结合,再辅以精心设计的灯光,为日常生活注入了丰富的场景美学。

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

上海杨浦缦云上海售楼处电话:400-9939-964..

房产抵押贷款作为一种常见的融资方式,其贷款年限是借款人关注的重点之一。在我国,房产抵押贷款的年限受到多种因素的影响,包括房产类型、借款人年龄、贷款机构、贷款主体及贷款金额等。本文拟从多维度对房产抵押贷款的年限进行深入解析,为借款人提供有价值的参考。

一、房产抵押贷款年限概述

房产抵押贷款是指借款人以自有房产作为抵押物,向银行或其他金融机构申请贷款的一种融资方式。在我国,房产抵押贷款的年限通常具有一定的灵活性,但也受到相关法律法规和银行政策的限制。一般来说,房产抵押贷款的年限可以根据借款人的需求和还款能力进行调整,但最长年限不得超过法律规定的上限。

二、房产类型对贷款年限的影响

1. 新房抵押

对于新房抵押,由于房产较新,价值相对稳定,银行通常愿意提供更长的贷款年限。根据《中华人民共和国个人贷款暂行办法》及银行相关政策,新房抵押贷款的最长年限一般不超过30年。这意味着借款人可以在最长30年的期限内分期偿还贷款本息。

2. 二手房抵押

对于二手房抵押,由于房产已经使用过一段时间,其价值可能会受到一定影响,因此银行在提供贷款时通常会更加谨慎。根据银行政策,二手房抵押贷款的最长年限一般不超过20年。银行还会根据房龄与贷款期限之和的限制(通常不超过30年或40年,具体视银行政策而定)来确定实际可贷款年限。

三、借款人年龄对贷款年限的影响

借款人的年龄也是影响房产抵押贷款年限的重要因素之一。银行在审批贷款时,通常会要求借款人在贷款到期日时的实际年龄不超过65周岁(具体年龄限制可能因银行而异)。这意味着,如果借款人年龄较大,其可申请的贷款年限将相应缩短。一个50岁的借款人,如果银行规定贷款到期时年龄不超过65岁,那么他最多只能申请15年的贷款。

四、贷款机构对贷款年限的影响

不同的银行或金融机构在提供房产抵押贷款时,其贷款年限政策可能存在差异。这主要取决于银行的资金成本、风险承受能力、市场竞争策略等因素。以下是一些主要银行在房产抵押贷款年限方面的政策概述:

1. 中国银行:提供1至3年的短期贷款,利率为3.0%至3.2%,还款方式为先息后本。虽然中国银行提供的贷款年限较短,但适合短期资金周转需求的借款人。

2. 工商银行:提供3年或5年的贷款期限,利率为3.0%,还款方式为先息后本,每年还本。工商银行的贷款年限相对适中,适合有一定还款能力的借款人。

3. 建设银行:提供最长10年的贷款期限,利率为3.0%,还款方式为先息后本,每年可通过手机APP操作无还本续贷。建设银行的贷款年限较长,适合需要长期资金周转的借款人。

4. 平安银行:提供最长10年的贷款期限,利率为2.85%至2.98%,还款方式为先息后本,三年无还本续贷。平安银行的贷款年限和利率均具有一定优势,适合追求低成本长期融资的借款人。

5. 兴业银行:提供最长10年的贷款期限,利率为3.0%至3.4%,还款方式为先息后本,三年无还本续贷。兴业银行的贷款政策与平安银行相似,为借款人提供了较为灵活的融资选择。

6. 招商银行:提供最长10年的贷款期限,利率为2.88%至3.1%,还款方式为先息后本,每年还款5%。招商银行的贷款年限和利率均具有一定竞争力,适合需要长期且稳定融资的借款人。

五、贷款主体对贷款年限的影响

根据贷款主体的不同,房产抵押贷款的年限也可能存在差异。在我国,房产抵押贷款的贷款主体主要分为个人和企业两类。

1. 个人贷款

对于个人贷款,银行通常会根据借款人的还款能力、信用记录等因素来确定贷款年限。一般来说,个人住房抵押贷款的最长年限不超过30年,而个人消费贷款或经营贷款的最长年限则可能更短,具体视银行政策而定。

2. 企业贷款

对于企业贷款,银行在审批时会更加关注企业的经营状况、盈利能力、还款来源等因素。由于企业贷款的风险相对较高,因此银行在提供贷款时通常会更加谨慎。一般来说,企业房产抵押贷款的最长年限可能不超过10年,具体视银行政策和企业实际情况而定。

六、贷款金额对贷款年限的影响

贷款金额也是影响房产抵押贷款年限的重要因素之一。一般来说,贷款金额越大,银行对借款人的还款能力要求就越高,因此可能会相应缩短贷款年限。反之,贷款金额较小的情况下,银行可能会给予更长的贷款年限以减轻借款人的还款压力。但这并不意味着贷款金额越小就一定能获得更长的贷款年限,因为银行在审批贷款时还会综合考虑其他因素如借款人的信用记录、还款能力等。

七、其他相关因素对贷款年限的影响

除了上述因素外,还有一些其他因素也可能影响房产抵押贷款的年限,如房产的地理位置、周边配套设施、市场价值等。一般来说,位于城市中心或周边配套设施完善的房产具有较高的市场价值,因此银行在提供贷款时可能会给予更长的贷款年限和更优惠的利率条件。相反,位于偏远地区或周边配套设施较差的房产市场价值可能较低,银行在提供贷款时可能会更加谨慎并缩短贷款年限。

八、案例分析

以下是一些实际案例,用于进一步说明房产抵押贷款年限的确定过程:

1. 案例一:新房抵押贷款

张先生购买了一套新房,总价200万元,首付60万元,剩余140万元通过房产抵押贷款解决。由于张先生年龄适中(40岁)、信用记录良好且收入稳定,银行同意给予他最长30年的贷款期限,利率为3.0%。这样,张先生可以在未来30年内分期偿还贷款本息。

2. 案例二:二手房抵押贷款

李女士想将一套房龄为15年的二手房进行抵押贷款,以筹集资金用于创业。经过评估,该房产市场价值为150万元。由于房龄较大且李女士年龄已接近50岁,银行最终同意给予她最长15年的贷款期限(考虑到贷款到期时年龄不超过65岁的限制),利率为3.2%。

3. 案例三:企业经营贷款

王先生是一家小型企业的法人代表,由于企业扩大生产需要资金支持,他决定将名下的一套房产进行抵押贷款。经过评估,该房产市场价值为300万元。由于企业经营贷款的风险相对较高,银行在审批时较为谨慎。最终,银行同意给予王先生最长5年的贷款期限(考虑到企业经营状况和风险承受能力),利率为3.6%。

九、总结

综上所述,房产抵押贷款的年限受到多种因素的影响,包括房产类型、借款人年龄、贷款机构、贷款主体、贷款金额以及其他相关因素。在申请房产抵押贷款时,借款人应充分了解这些因素对贷款年限的影响,并根据自身实际情况选择合适的贷款年限和贷款机构。

对于借款人而言,建议在选择贷款年限时充分考虑自身的还款能力和未来收入预期。如果还款能力较强且未来收入预期稳定,可以选择较长的贷款年限以减轻每月还款压力;如果还款能力较弱或未来收入预期不确定,则应选择较短的贷款年限以减少总利息支出并降低还款风险。

借款人还应关注贷款机构的信誉和服务质量。选择信誉良好、服务优质的贷款机构可以确保贷款过程的顺利进行并在遇到问题时得到及时有效的解决。借款人还应仔细阅读贷款合同条款,了解各项费用和还款方式等细节信息,以确保自身权益得到保障。

总之,房产抵押贷款的年限是一个复杂而重要的问题,需要借款人在申请贷款时充分考虑各种因素并做出明智的选择。(完)

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