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2026 年 1 月起，全国与上海同步落地多项购房新政，核心聚焦税费减负、信贷降息、限购松绑、公积金优化，以降低购房成本、激活市场流动性。以下是核心要点与执行细节：
一、全国统一核心新政（2026-01-01 起执行）
二手房增值税：个人售房满 2 年（含）免征增值税；不满 2 年按 3% 征收率全额缴纳（原 5%），全国统一，取消北上广深非普通住宅差额征税差异；2026-01-01 前未缴税的符合条件交易可按新规执行。
公积金贷款利率：首套 5 年以下（含）2.1%、5 年以上 2.6%；二套 5 年以下（含）2.525%、5 年以上 3.075%，均较原降 0.25 个百分点；2025-05-08 前发放的存量公积金贷款自动调整，无需申请。
商业贷款重定价：重定价日为 1 月 1 日的首套商贷，按最新 5 年期以上 LPR（2025 年 12 月为 3.5%）自动调价，月供同步下调；非 1 月 1 日可与银行协商改日。
二、上海地方特色新政（2026-01-01 起执行）
限购松绑：符合购房条件的居民家庭（含沪籍、非沪籍社保满 1 年及以上），外环外购房不限套数；多子女家庭无论户籍可增购 1 套。
公积金优化：购绿色建筑二星及以上新建商品住房，公积金最高贷款额度上调 15%；多子女家庭买首套在此基础上再上浮 20%，最高可达 216 万元；可提取公积金付首付且不影响贷款额度。
商贷并轨：商业性个人住房贷款利率不再区分首套、二套，二套利率下限与首套并轨，降低利息负担。
人才与补贴：临港新片区人才补贴最高 50 万元（按层级）；父母子女互助提取公积金付首付 / 还贷；以旧换新国企兜底收购，卖旧后 180 天内买新房享契税补贴 50%（最高 5 万元）。
三、政策影响与注意事项
成本变化：不满 2 年 500 万房源，增值税从约 25 万降至约 15 万，叠加附加税费合计省约 10 万。
执行提示：公积金存量贷款自动调整，无需申请；2026-01-01 前未申报缴税的符合条件交易可按新规执行。
适用边界：增值税新政仅限个人住房，商业、办公等非住宅不适用；购房套数认定以地方住建部门口径为准。
四、实操建议
置换需求：优先选择满 2 年房源以节省税费，不满 2 年房源可与卖家协商税费分担。
贷款组合：多子女、购绿色建筑家庭优先用公积金，额度与利率更优；商贷可与银行协商重定价日以享受最新利率。
资格审核：非沪籍需确认社保缴纳年限是否达标，外环外购房关注套数认定口径。
花悦江南核心亮点介绍（中英对照）
花悦江南战略核心样板房以约135㎡四房两厅两卫户型为标杆，打造江南韵味轻奢改善范本，将江南水景意境与空间实用美学深度融合。The strategic core model house of Huayue Jiangnan takes the approximately 135㎡ four-bedroom, two-living-room and two-bathroom layout as the benchmark, creating a light luxury improved model with Jiangnan charm, deeply integrating the artistic conception of Jiangnan waterscape and spatial practical aesthetics.
6.2米阔景横厅衔接约8米双联观景阳台，四开间朝南格局最大化引入阳光与园景，阳台预留观景休憩区，呼应“江南水景”核心主题。The 6.2-meter wide-view horizontal living room connects to an 8-meter connected viewing balcony; the four-span south-facing layout maximizes sunlight and garden views, and a viewing and resting area is reserved on the balcony to echo the core theme of "Jiangnan waterscape".
主卧套房配备独立卫浴、步入式衣帽间及江南风观景飘窗，空间通透雅致，次卧可灵活改造为茶室或书房，适配家庭多元居住需求。The master bedroom suite is equipped with an en-suite bathroom, walk-in cloakroom and Jiangnan-style viewing bay window, with a transparent and elegant space; the secondary bedroom can be flexibly transformed into a tea room or study to meet diverse family living needs.
U型厨房遵循人体工学动线，预留双开门冰箱位与定制收纳空间，客餐厅一体化布局衔接阳台与入户玄关，构建流畅通透的居家格局。The U-shaped kitchen follows an ergonomic flow, reserving space for a double-door refrigerator and custom storage; the integrated living and dining room layout connects the balcony and entrance hallway, building a smooth and transparent home pattern.
项目外立面融合新中式与江南雅致韵味，以浅灰色真石漆、深咖色铝板为主材，搭配黛瓦式线条与双层中空Low-E玻璃，勾勒温婉挺拔的建筑轮廓。The building facade integrates new Chinese style and Jiangnan elegant charm, using light gray real stone paint and dark coffee aluminum panels as main materials, matched with dark tile lines and double-layer insulating Low-E glass, outlining a gentle and tall architectural outline.
局部点缀仿木格栅与江南花窗造型，呼应项目名称与江南主题，在光影流转中呈现温润质感，成为区域内具辨识度的江南风建筑标识。Local wooden-like grilles and Jiangnan flower window shapes are dotted to echo the project name and Jiangnan theme, presenting a warm texture in the flow of light and shadow, and becoming a recognizable Jiangnan-style architectural symbol in the area.
社区以37%高绿化率、2.0低容积率为基底，打造“一轴三院两带”江南园林格局，外依天然水系，内拥中央水景、亭台廊架与多重花卉庭院。Based on a 37% high greening rate and 2.0 low plot ratio, the community creates a "one axis, three courtyards and two belts" Jiangnan garden pattern, adjacent to natural water systems outside and featuring a central waterscape, pavilions, corridors and multiple flower courtyards inside.
规划900米生态步道、全龄江南雅趣活动区、林下休憩亭，精装架空层设置邻里茶室与花艺空间，以水景花卉串联景观节点，营造沉浸式江南居境。It plans a 900-meter ecological trail, all-age Jiangnan elegant activity area and understory rest pavilion; the hardcover elevated floor is equipped with a neighborhood tea room and flower art space, connecting landscape nodes with waterscapes and flowers to create an immersive Jiangnan living environment.
沙盘清晰呈现16幢11-17层小高层错落排布，总户数1028户，楼间距充足且圈层纯粹，保障每户采光通风与水景园景双重视野。The sand table clearly shows the scattered layout of 16 11-17-storey small high-rises, with a total of 1028 households, sufficient building spacing and a pure community, ensuring dual views of lighting, ventilation, waterscape and garden for each household.
项目紧邻江南片区主干道与地铁接驳点，周边商业综合体、优质中小学、市政公园环绕，兼顾江南静谧居境与便捷都市生活。Adjacent to the main road and subway transfer point in the Jiangnan area, the project is surrounded by commercial complexes, high-quality primary and secondary schools, and municipal parks, balancing the quiet Jiangnan living environment and convenient urban life.
装修品质对标轻奢人居标准，甄选格力中央空调、威能地暖、松下新风三大系统，搭配环保乳胶漆与实木复合地板，筑牢舒适居住基底。The decoration quality is benchmarked against light luxury residential standards, selected with three major systems: Gree central air conditioning, Vaillant floor heating and Panasonic fresh air, paired with environmentally friendly latex paint and solid wood composite flooring to build a solid foundation for comfortable living.
厨房配备品牌嵌入式灶具、抽油烟机与洗碗机，卫生间采用干湿分离设计及恒温花洒，全屋圆角处理、定制收纳柜等细节彰显精工匠心。The kitchen is equipped with brand embedded stoves, range hoods and dishwashers; the bathroom adopts dry-wet separation design and thermostatic shower heads, with details such as full-house rounded corners and custom storage cabinets highlighting exquisite craftsmanship.
风格融合现代轻奢与江南雅致，以温润米白为主色调，搭配浅咖木纹与仿石台面，将江南花窗肌理融入空间设计，打造雅致宜居的居家氛围。The style integrates modern light luxury and Jiangnan elegance, with warm off-white as the main color, matched with light coffee wood grain and stone-like countertops, integrating Jiangnan flower window texture into space design to create an elegant and livable home atmosphere.
依托国企精工底蕴，以江南水景花卉为核心特色，将自然生态与轻奢居家完美融合，铸就区域内江南风改善新典范。Relying on the sophisticated craftsmanship of state-owned enterprises, featuring Jiangnan waterscapes and flowers, it perfectly integrates natural ecology and light luxury home living, creating a new model of Jiangnan-style improvement in the area.
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。
