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大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

上海青浦大名城映辰售楼处电话：400-8080-420☎【售楼处地址】

12月14日晚间，上海官宣了房地产市场新的相关政策调整，主要涉及：普通住宅的认定标准、首套房&二套房的最低首付比例和贷款利率。

具体政策解读可点击链接查看：上海楼市新政解读！看看二手交易税费&贷款利息到底能省多少？

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】这次政策的调整极大了利好的首套刚需客户，不仅还贷压力降低，首付比例也低至30%。如果手握100万左右的首付，那么可以买到总价约333万左右的房子。

如果抛开资产配置，现阶段的市场对于刚需上车来说，其实是不错的机会，理由有三：

第一、目前二手房挂牌量是高位，刚需客户的选择面会更广；

第二、目前刚需同类产品竞争压力大，刚需客户有不小的议价空间；

第三、金山、青浦和奉贤新城的定向限购放松，让刚需市场有更明朗的政策预期。

今天我们不谈资产配置，主要从自住角度来聊一聊，首付100万左右，现阶段在上海到底能买什么样的房子？

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】截止1月15日，据链家网显示，全市有99657套挂牌房源，其中总价在300-350万的有9778套，占比总池子约十分之一。

我们通过环线、区域、房龄、房型和面积段对这9778套挂牌房源进行切分。

环线方面：外环内的房源数量略大于外环外，比例大概率是52:48；

区域方面：浦西中心七区合计占比约3成，浦东+闵行合计占比超4成，宝松嘉合计占比约2成，其余共分1成；

房龄方面：30年以上老小区占比约四分之一，20-30年小区占比超三分之一。年轻的次新房是少数派！

面积段方面：建面约30-50㎡占比约2成，50-70㎡占比约37%，70-90㎡占比约28%。

房型方面：2房是绝对主流，占比约6成，其次是1房占比约四分之一。300-350万想买3房及以上选择面较小。

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

· 核心城区房龄30年左右的老小区；

· 中环附近房龄30年左右的2房；

· 外环附近动迁房；

· 宝山、嘉定、松江、青浦等郊区的次新房；

我们分类来看具体房源的居住环境：

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

核心城区房龄30年左右的老小区

①长宁新华路房源

先来看1套长宁新华路法华镇路315弄的房子。

地段方面没得说，房子位于幽静的新华路板块，上海影城、上生新所、幸福里、交通大学等文化地标都在附近，各种精致小店众多，上海海派生活的调性充满日常。

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

小区是1992年建成，房龄超过30年。

房源是1套2楼建面约37.45㎡的1房1厅，挂牌价330万。

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

从户型来看，满足基本的生活需求了。

虽然只有30多㎡，但五脏俱全。

客厅也不只是个吃饭的地方，虽然小但也能盛放一些社交和娱乐需求。

厨卫可以保证基本的功能性，卫生间没有窗，光线和通风稍受影响。

阳台空间并入主卧，在大床、桌椅、衣柜、电视和电视柜都摆放之后，依然不觉得拥挤，甚至还有剩余空间。

室内是简装，实景图可供参考：

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】②中山公园附近塔楼300-350万的预算在核心城区除了老公房，还有1类带电梯的高层可选，那就是高层塔楼，比如这套中山公园附近的房子。

房子属于宁定大楼，步行可达长宁来福士、长宁龙之梦等地标商业，距离2/15号线娄山关路较近，去往长宁妇幼保健医院也较为方便。

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】和老公房比，这样的高层塔楼户型朝向可能要更“随意”一些。比如这套10楼建面约51.9㎡的2房就是朝北的，挂牌价格是332万！

室内的采光确实有捉襟见肘一些，虽然标榜的是2房，但储物间的面积太小，住人的话还需要后期改造。

室内实景图可做参考：

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】我们总结一下这类房源的特点：

占据城市的核心位置，能享受高能级的城市配套，交通也更便捷，基本都能实现步行进站地铁，实现半小时上下班通勤。主要的劣势在于户型面积较小，同步限制了房型，只能作为过渡性质的产品。

如果更在意室内的面积和功能性，第二类房源可能更为适配：

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

中环附近房龄30年左右的2房

①静安彭浦老小区

来看一套静安彭浦的房子，在临汾路上面，靠近1号线，便捷通达大宁和人民广场，日常的通勤可以保证。

同时小区东面有市北医院，南面有新静安体育中心，虽然没有核心城区那么繁华，但基本的需求都能满足。

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

该房源是1套4楼建面约60㎡的2房，建于1995年，有电梯，挂牌价350万。

其实在我看来，刚需首置其实2房是够用的，特殊时期挤一挤问题也不大。

如果装修再花点心思，日常的居住品质不会差，比如这套房子就是精装修，实景图可以参考：

总结：这一类房源相比上一类，地段能级弱了，但户型面积有所增大，大都能实现2房的功能性，更匹配已婚的刚需家庭。

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

外环附近的动迁房

除了环内的老破小，外环附近的动迁小区也是总价300-350万上班族的主要置业对象。

这些动迁小区往往能占据地铁要道，主要集中在12个板块中，浦东和浦西各六个，如图：

即使价格比市区老破小便宜不少，但300-350万能买到的主力户型仍是70㎡左右两房为主，仍然是过渡类产品。

不过，动迁房的小区品质比老破小好不少，嘉定某动迁小区实景图可做参考：

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

①嘉定江桥动迁房

相比市区老破小，动迁房的户型也更贴合当下的居住需求。

比如这套嘉定江桥，富友嘉园的动迁房。

2005年建成，5楼没电梯，建面72.6㎡2房挂牌价315万。

小区地段上面靠近14号线，通勤真如、静安寺、陆家嘴都很方便。

户型方面是标准南北通透+客厅、主卧双开间朝南，如果室内再装修一下，居住品质比起老破小还是高不少。

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

②宝山顾村动迁房

再看这套宝山顾村好日子大家园D区，建面约75.01平2房挂牌价299万。

该小区建于2010年更加年轻，位置靠近7/15号线和顾村公园，片区还有产业和商业规划。

房子南北通透，房型方正，四楼的采光也不错，装修稍显一般。

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】总结：这类动迁房其实是该预算，均衡性最好的产品，通勤时间相对可控，也能有不错的居住体验感。匹配务实的年轻小夫妻！

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

宝山、嘉定、松江、青浦等郊区的次新房

①路劲上海派

如果想要更高的居住品质，再远一些去到郊区，预算300-350万现在完全可以买到1套品质很不错的次新房。

比如这套路劲上海派建面约89㎡的3房，16层的顶楼，精装带电梯总价340万！

路劲上海派应该算是嘉定刚需的知名大盘了，贴着11号线，步行进站昌吉东路站。

该房源的户型设计水准和装修品质，和市面上的新房基本一致，而且原房东还打了柜子，拎包入住，一定程度上节约了时间和成本。

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

②东润舒庭

再看一套面积更大的.

嘉定新成路东润舒庭1套建面约118平大2房，总价341万，单价算下来约2.9万/㎡。

虽然现在距离11号线较远，但门口就是在建的嘉闵线，以后的通勤还是有保障的。

而且总价341万住118㎡的大房子，尺度感真的足了。

不过该房源属于16层的3楼低区，建于2012年，户型设计相对过时。

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

总价：谁说首付100万不能拥有较高的尺度感和舒适度，在保障地铁通勤的情况下，完全可以享受新房级别的居住体验，甚至能住上118㎡的大房子！

上海青浦大名城映辰售楼处电话：400-8080-420☎【售楼处电话】

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买房须知的18个常识

1, check the five certificates, the so-called five certificates refer to the "State-owned land use Certificate", "Building land planning Permit", "construction project planning permit", "construction project construction Permit" and "commercial housing pre-sale Permit".

1、查看五证，所谓五证就是指《国有土地使用证》、《建筑用地规划许可证》、《建筑工程规划许可证》、《建筑工程施工许可证》和《商品房预售许可证》。

2, in fact, to buy a house to choose a good reputation of developers is necessary.

2、买房其实选择口碑好的开发商很有必要。

Generally good developers are highly qualified and well-funded.

一般好的开发商资质高、资金充足。

3, evaluate the ability to buy a house, for the just need family, because of their limited economic ability, so will take a loan to buy a house.

3、评估购房能力，对于刚需族来说，由于他们的经济能力有限，所以都会采取贷款的方式买房。

The loan needs to pay a certain amount of monthly payments every month, in order to ensure that the quality of life is not affected, to avoid the risk of broken payments, Xiaobian suggests that the amount of monthly payments is best controlled within 50% of the total income.

而贷款每个月需要交一定数额的月供，为了保证生活质量不受影响，避免断供的风险，小编建议月供的数额最好控制在总收入的50％以内。

4, select the house type, select the house type, first of all to look at the direction of the house type.

4、选户型，挑选户型时，首先要看户型的朝向。

The order of orientation is: due south, southeast, east, southwest, north, west.

朝向优劣的顺序依次为：正南、东南、东、西南、北、西。

5, choose the floor, the air quality of the middle floor of the house is better than that of the lower floor, and the travel of the higher floor is more convenient, which can be said to be a compromise.

5、选楼层，中间层房屋的空气质量相较于低层更好，出行较高层更方便，可以说是折中。

6, many buyers believe that the current price is too high, so when buying a house, generally in the same area, the same lot to choose a cheap price of real estate.

6、很多购房者认为，当下房价过高，所以买房时，一般会在同等区域、同等地段选择价位便宜的楼盘。

The correct way is to learn more about the selection of housing knowledge, pay attention to the good or bad housing type, housing quality and other dry goods.

正确的做法是多学习选房知识，关注户型好坏，房屋质量等干货。

7, don't be anxious, young people should not be good when buying property, should abandon the idea that home ownership must be in place in one step, according to their own can bear the scope, make a reasonable decision.

7、莫心急，年轻人置业时，不宜好大喜贵，应抛弃置业必须一步到位的思想，根据自身所能承受的范围，作出合理的决策。

8, see the concessions, for the developers to give the concessions, to inquire more, more analysis, more judgment, do not blindly follow the wind.

8、看优惠，对于开发商给出的优惠，要多打听，多分析，多判断，不要盲目追风。

9, do not blindly buy big, look at the house must be considered comprehensively, not one-sided.

9、不可一味买大，看房一定要综合考虑，不可片面。

The first is the area, the area is applicable to the principle, not for large and large.

首先是面积，面积以适用为原则，不可为大而大。

10, look at the planning, of course, to buy a house to pick real estate, pick the community, pick the type, but also can not only look at the house, but also look at the location of the house.

10、看规划，买房当然要挑楼盘，挑小区，挑户型，但是也不能只看房子，还要看房子的位置。

After all, the biggest factor in determining the value of a house is location, so it is recommended to keep in mind the direction of urban development when purchasing a property.

毕竟，决定房子价值最大的因素便是地段，建议在购置房产时，要切记紧跟城市发展的方向。

11, look at the price, price selection and comparison of personal affordability, traffic conditions, community environment, housing structure and other conditions to measure the price of real estate.

11、看价格，价格挑选比较个人承受范围、交通状况、社区环境、户型结构等条件衡量楼盘价格。

12, the community environment, community landscape, greening, supporting and so on are closely related to life, but also the embodiment of the quality of the real estate.

12、小区环境，小区景观、绿化、配套等与生活密切相关，更是楼盘质量的体现。

13, avoid the extreme layer, the top and bottom are not recommended to buy, the bottom is not only easy to damp, mold, breeding mosquitoes, the light is not good, the top one to the summer, not only stuffy, not breathable, but also easy to leak.

13、避免极端层，顶层和底层不建议买，底层不仅容易潮湿，发霉，滋生蚊子，光线也不好，顶层一到大夏天，不仅闷热，不透气，还容易漏水。

14, away from the equipment layer, the equipment layer is a special water supply, power supply of the middle floor, if you live near the equipment layer all year round, not only the noise of the machine equipment torture people can not rest, even the radiation of the machine will affect people's health.

14、远离设备层，设备层是专门供水，供电的中间楼层，要是常年居住在设备层的附近的话，不仅机器设备的噪音把人折磨得无法休息，连机器的辐射也会影响人的身体健康。

15, consider the problem of children, buy real estate to consider the safety of children on the road, try to choose a close house.

15、考虑孩子问题，买地产要考虑孩子路上的安全问题，尽量选择距离近的房子。

This can save a lot of time for children, so that children have plenty of time to study and rest.

这样可以给孩子节约大量的时间，让孩子有充裕的时间学习和休息。

16, property, the services of different property companies vary greatly, and whether the property company can complete its tasks perfectly involves the overall quality of the community.

16、物业，不同的物业公司所做的服务千差万别，物业公司能否尽善尽美地完成自己的任务牵扯到小区的整体质量。

17, the purchase deposit, the deposit is extremely unfavorable to the buyer, so that the buyer is in a disadvantageous position at the time of signing, the buyer is often under the pressure of the deposit does not return, against his will to accept the unequal terms of the developer.

17、购房定金，定金对买受人是极为不利的，使买受人在签约的时候处于不利的境地，买受人往往在定金不退的压力下，违心地接受开发商的不平等条款。

18, sign the subscription book, the basic terms of the subscription book to be agreed on in detail, the main situation of the house to be purchased in the subscription book to be agreed.

18、签认购书，认购书基本条款要约定详细，对所要购买的房屋的主要情况在认购书中予以约定。

The content of the terms should be legal and effective, and the developer is required to provide the text of the commercial housing sale contract as a formal signing.

条款内容约定要合法有效，要求开发商提供作为正式签约的商品房买卖合同文本。

5 Tips for an expert to buy a house

内行人买房的“5句口诀”

The expert buying a house can be simply summarized as "five sentences", that is, "one look at the lot, two look at the supporting facilities, three look at the floor, four look at the apartment type, and finally look at the price".

内行人买房可简单概括为“5句口诀”，即“一看地段、二看配套、三看楼层，四看户型，最后看价格”。

1. Look at the location

1、一看地段

Insiders buy a house first look at the lot, the richest Chinese Li Ka-shing also said: "The factor that determines the value of real estate, the first is the lot, the second is the lot, the third is the lot."

内行人买房首先看的是地段，华人首富李嘉诚也说过：“决定房地产价值的因素，第一是地段，第二是地段，第三还是地段。”

Although this location theory is more suitable for investment property, it has to be said that the choice of area (location) is also very important when you need to buy a house.

虽然这个地段论更适合用于投资房产，但是不得不说刚需买房选择区域（地段）也很重要。

Because the real estate in a good location has more space for preservation or appreciation, and the risk of buying a house is smaller than that of the remote suburbs of the city, even if the future housing price plummets, the first to fall is the real estate with a higher location, and the real estate price with a good location is generally the last to decline.

因为好地段的房产保值或升值的空间更大，购房风险相对城市偏远郊区较小，就算未来房价暴跌，首先下跌的也是地段较偏的房产，地段好的房产房价一般都是最后下降的。

2, two look at the matching

2、二看配套

Buying a house must not ignore the supporting facilities inside and around the real estate, otherwise the supporting facilities of the community are not perfect, not only the children are not convenient to read, even if you want to eat a meal, see a disease are very troublesome.

买房绝对不能忽视楼盘内部和周边的配套设施，不然小区的配套设施不完善，不仅孩子读书不方便，甚至连你想吃个饭，看个病都很麻烦。

The supporting facilities in and around a good community are relatively perfect, not only water, electricity, gas, gas, broadband, parking lot, public toilet, multi-functional children's activity space, leisure places in the park, property management company and other internal supporting facilities can meet the daily living needs of the owners.

好小区内部和周边的配套设施就相对完善一些，不仅水、电、燃气、煤气、宽带、停车场、公共厕所、多功能儿童活动空间、园区休闲场所、物业公司等内部配套设施能满足业主的日常居住需求，

There are also convenience stores, vegetable markets, food stores, pharmacies, small supermarkets, schools, bus stations or subway stations and other multi-functional services to meet the higher needs of owners and children.

周边还有便利店、菜市场、食品店、药店、小型超市、学校、公交站点或者地铁站点等多功能服务配套满足业主以及孩子的衣食住行的更高需求。

3. Look at the floor

3、三看楼层

Different floors, the ventilation and lighting of the house, the vision landscape and the privacy of the owner, living comfort, and even noise pollution, travel convenience are more or less different.

不同的楼层，房子的通风采光、视野景观以及业主的私密性、居住舒适度，甚至噪音污染、出行便利性等都或多或少有所不同。

Generally speaking, the low floor is more convenient to travel, and it is easier to escape in case of accidents, but the ventilation, lighting, vision and other relatively high floors are poor, privacy is poor, and noise pollution is also serious;

一般来说，低楼层出行更方便，如遇意外也更容易逃生，但是通风、采光、视野等相对高楼层较差，私密性较差，噪音污染也严重；

The high floor has a good view, fresh air, and better ventilation and lighting, but if the elevator fails, it may affect travel.

高楼层视野好、空气清新，通风采光都更佳，但是如果电梯故障，可能会影响出行。

In general, the floors between 1/3 and 2/3 of a building are better floors, belonging to the "golden building" that is not high or low.

总的来说，一栋楼的1／3至2／3之间的楼层是较好的楼层，属于不高不低的“黄金楼”。

4, four view apartment type

4、四看户型

Different orientation, different ventilation and lighting units can also affect the owner's living comfort, generally speaking, "north and south transparent", square, reasonable design layout, dry and wet distinct units is a good unit, so live more comfortable, and "west sun" units, dark and humid "middle households" are disliked by many people.

不同朝向、不同通风采光的户型也能影响业主的居住舒适度，一般来说“南北通透”、户型方正、设计布局合理、干湿分明的户型才是好户型，这样住起来更舒服，而“西晒”户型、阴暗潮湿的“中间户”则被很多人所不喜。

5. Finally, look at the price

5、最后看价格

Many buyers think that house prices are the most critical factor to buy a house, in fact, is not suitable for their own is the most critical.

很多购房者认为房价才是买房最关键的因素，其实不然，适不适合自己才是最关键的。

In their own ability, if the price is high you can accept, so that you will feel that the location is good, good matching, good housing type, good floor house is the best, even if the price is expensive and willing to buy.

在自己能力范围内，如果房价偏高你也能接受，这样你就会觉得地段好、配套好、户型好、楼层好的房子才是最好的，就算房价贵点也愿意买。

However, if you have limited ability and limited funds to buy a house, then it is estimated that wherever you buy will feel expensive, and even feel that the cheaper the house price, the better.

但是，如果你能力有限、购房资金有限，那么估计买哪里都会觉得贵，甚至觉得房价越便宜越好。

However, "a penny for a penny", the price of a good location is also expensive, and some houses are cheap because there are obvious shortcomings, specific or depending on personal acceptance.

不过“一分钱一分货”，好地段的房价贵也有贵的道理，而有些房子之所以便宜也是因为有明显的缺点，具体还是看个人的接受程度。

If you don't mind the disadvantages of these houses at all, then you can buy them. If you do mind, you should not buy them, lest you regret it.

如果你完全不介意这些房子的缺点，那就可以买，如果你介意建议还是不要买了，免得后悔。