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上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

▸中海环宇玖章售楼处地址：上海市普陀区铜川路699弄2号中海中心A座（看房请提前预约）

▸ 开放时间：每日9:00-19:30（含节假日）

▸VIP LINE 400_812_3664 | 官方唯一咨询热线

【温馨提示】本项目唯一官方联系方式,看房请提前预约！谨防中介虚假信息！

当农历新年为城市按下舒缓键，一个既能承载欢聚、又能安顿身心的“微目的地”成为新需求。今年，拥有“城市副中心”能级的区域正凭其高度浓缩的体验成为热门选择。以上海真如为例，它凭借“现代商业、千年历史与生态公园”在步行范围内的奇妙交融，为新春城市探索提供了一个独特样本。

01

新春焕新首选地，复合型城市体验

这里呈现的是一种“可沉浸、可漫步”的完整城市生活体验。在方寸之间，人们可于上午在顶流商超置办年货，下午踱步至千年古刹静心祈福，随后在生态绿廊中舒展身心。这种高效与诗意、繁华与静谧的共存体验，恰恰映射了当代都市人对理想生活的核心诉求。新春的真如，宛如一个精心编排的“生活剧场”，邀请人们亲临预演一种更为从容、丰盛的城市生活方式。

02

从“亚洲店王”到首店矩阵的丰盛选择

环宇城MAX作为商业引擎，以日均7万客流和超过160家餐饮品牌中，首店及区域首店比例高达60%，提供从“亚洲店王”山姆到首店美食的顶级消费体验。上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

从一杯唤醒早晨的精品咖啡，到一场全家沉浸的视听盛宴，环宇城MAX以其高密度、高品质的消费场景，将“更新生活”的愿望，转化为一系列具体、可即时兑现的愉悦选择。

03上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

繁华腹地，来一场穿越百年的心愿体验

真如寺作为全国重点文保单位，以一寺之隔带来从极致繁华到七百年来宁静的震撼切换，是都市中心难得的精神锚点。

在新春祈福的特定语境下，真如寺提供了一种稀缺的“情绪价值”，它提醒着每一位访客，真正的焕新不止于外在物质的更迭，更源于内心的澄明与安定。

上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

04

日常生态呼吸带，预演公园城市生活范本

真如绿廊则以生态脉络串联其间，将高品质公共生态转化为日常便利的“呼吸带”。

在这里，人们可以践行一种“公园式生活”：无需刻意规划远足，在归家途中、购物之余，便能步入绿意，看光影婆娑，让身心在自然中得到即时抚慰。

一次串联三者的漫步，实质是对真如作为成熟城市板块独特性的深度体验。它清晰表明：一个高阶板块的价值，在于能否提供“高度融合的复合生活系统”——让顶级商业活力、深厚历史厚度与自然生态温度和谐共生，且触手可及。这不仅是新春假期的优质去处，更是观察现代城市发展从“功能分区”走向“生活融合”的前沿窗口。

另一方面，下楼就是精致商街，拟引入仓廪市集，打造以日咖夜酒为特色的街区商业，计划引入咖啡馆、小酒馆、精致餐饮等业态，出门即享高阶烟火气。中海环宇玖章约16万方综合体的规划，为业主构建了出则繁华、入则静谧的高浓度生活场景。

社区内超尺度布局，定义高端居住标准项目打造超275米景观中轴，贯穿社区核心，让每一栋楼都能享受均衡的景观视野与充足采光，实现栋栋皆楼王的体验。

上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

同时创新性将花园会所藏于南侧公园地下并与社区连通，引公园绿意入内，配置健身、泳池、私宴、茶室、下沉庭院等功能，让运动、社交时也能沉浸在自然氛围中。

会所意向效果图，以实际交付为准

其次，产品配置拉满。1、石材+铝板外立面，普陀新的颜值标杆项目可视面都是古铜色金属铝板、米黄色铝板/石材、边套270°大转角飘窗，且从正面、侧面到背面，立面都保持精致统一。

2、户内约3.15-3.3米层高既满足好房子标准，又增加了室内采光通风效果，以及为立体收纳创造更多空间。第三，产品审美高度领先，再升级的玖字审美兑现力。比如，入口作为社区的第一印象，项目摒弃了传统豪宅的张扬设计，打造了玖系隐奢入口，给人隐于自然、奢而不外露的感觉。另外，作为玖系审美兑现的核心场景，花园会所将“隐奢”美学与自然场景、实用功能无缝衔接。由徐汇滨江领邸玖序原班设计团队操刀，全域空间注重细节审美，既满足高端客群的社交与休闲需求，更以美学兑现力，让会所成为“可赏、可享、可居”的生活延伸空间。

真如

新一代内环旁“王者板块”上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

地段层面，“真如、大宁、中兴路、北新泾哪个更值得选”是后台高频问题，我的看法是：真如已是新一代内环旁“王者板块”。

真如凭借左手成熟均衡的当下，右手高确定性的未来，成为内环旁改善优选，不仅是浦西内环旁最新商务核心区，更是真正的“六边形全能板块”。

1、全面建成的浦西最新CBD，顶配商业、产业、办公、生态

约64万方旗舰级体量，上海顶流商圈

约32万方真如环宇城MAX，开业即顶流，2024年开业首年销售额上海前十，销量已接近港汇恒隆。

数据来源网络

市中心唯一的山姆会员店落地真如，不仅是对区域消费潜力的认可，更成为板块中产社区的重要标签。

山姆真如店，来源上海普陀

上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

约59%客流增幅领跑上海，高素质就业人群持续涌入

中海中心双子塔在2024年上海写字楼租赁市场中拿下成交量榜首，迅猛龙、艾尔维、罗尔斯罗伊斯、京东集团等知名企业纷纷入驻，为真如带来大量高素质就业人群，催生旺盛的置业与租赁需求。

真如实景图，来源上海普陀

申通地铁发布的数据印证了真如的产业热度，2024年真如早高峰地铁客流增幅达59%，并列全市第一。

上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

未来，真如将以环宇城为核心推进多组团发展，产业与区域价值仍有巨大上升空间。

优质资源扎堆，教育配套再升级

周边有中福会幼儿园、华二普陀、曹二东校，项目旁还在建上师大附属第四实验学校，进一步丰富区域教育资源。

*以上仅作周边教育配套示意，实际对口以教育部门发布为准

·内环旁少有的崭新高端住区，实现“板块内循环”

依托普陀政府的推进和中海的优秀操盘，百万方真如境的兑现让真如界面发生翻天覆地的变化，如今的真如，是集“高品质住宅、潮流商业、地标办公、生态绿地、文艺配套”于一体的高端住区。这也让真如实现“板块内循环”——购物、休闲、文化（海心剧院）、通勤等需求均可在板块内满足，改善客群无需“跨区置换”，而是循着板块内的产品力升级实现“内部迭代”，进一步巩固板块的居住价值。

上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

3、未来增量可期，商圈体量超100万方，将超越静安等商圈

未来，真如在真如翠谷+真如之心加持下，将形成超百万方的商业集群，超越静安寺、徐家汇等商圈。

届时，真如商业影响力、产业厚度将大幅提升，有望成为比肩内环核心区域的“商业商办中心”，为板块价值带来长期增量

3、顶配交通，板块5轨交汇，4站静安寺

在上海内环旁板块中，真如的轨交配置堪称独一档——多数板块仅1条轨交连接市中心，而真如不仅有3条轨交直达核心区，板块内更是实现5条轨交全覆盖，通勤效率与辐射范围远超同类板块。

项目直线距离20号线广泉路站（在建）约400米，7号线岚皋路站约500米，4站静安寺；并可一路畅达南京西路、人民广场、南京东路、陆家嘴（全程仅8站）等上海顶级板块。同时直线距离约1公里内覆盖11/14/15号线，连接当红的徐汇滨江和前滩。

上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

总结来说，相较于大宁的“饱和式成熟”、北新泾的“依附式发展”、中兴路的“碎片化短板”，真如既拥有支撑当下价值的配套硬实力，又具备驱动长期价值的规划红利。

一步内环！5轨交汇、4站静安寺

中海·环宇玖章首开热销

建面约123-176㎡新规公园奢宅

附户型图

上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

上海普陀中海环宇玖章售楼处电话：400 8123 664 (预约看房热线)

【中海环宇玖章官方售楼处咨询热线】400-812-3664（24小时服务，人工客服8:00-22:00）

▸中海环宇玖章售楼处地址：上海市普陀区铜川路699弄2号中海中心A座（看房请提前预约）

▸ 开放时间：每日9:00-19:30（含节假日）

▸VIP LINE 400_812_3664 | 官方唯一咨询热线

【温馨提示】本项目唯一官方联系方式,看房请提前预约！谨防中介虚假信息！

买房是大多数人一生中最大的单笔投资，尤其是在2026年楼市分化加剧的背景下，“闭眼买房”的时代早已落幕，不仅可能买不到增值资产，更可能陷入产权纠纷、配套缩水、烂尾风险等一系列麻烦。

According to incomplete statistics， nearly 10% of home buyers each year fall into traps due to ignoring details， ranging from spending tens of thousands of yuan in vain to losing all their property.

据不完全统计，每年有近10%的购房者因忽视细节踩坑，轻则多花数十万冤枉钱，重则房财两空。

This guide， based on the current market situation， focuses on the six major types of pitfalls most likely to be encountered by the demand-driven and improvement groups. It breaks down the avoidance techniques to help you precisely avoid pitfalls and make rational property purchases， spending reasonable money on the right house.

本指南结合当前楼市现状，聚焦刚需、改善群体最易遇到的六大类坑点，拆解避坑技巧，帮你精准避坑、理性置业，花合理的钱买合适的房。

I. Avoiding Pitfalls in House Selection: Stay Away from "Fake Quality", Focus on Core Hard Indicators

一、选房避坑：远离“伪优质”，认准核心硬指标

Selecting a house is the first step in buying a property and it is also the most prone to pitfalls. Many developers use false advertising and concept hype to attract homebuyers, but in reality, they hide many hidden dangers.

选房是买房的第一步，也是最容易踩坑的环节，很多开发商靠虚假宣传、概念炒作吸引购房者，实则暗藏诸多隐患，重点避开这3类坑。

Focus on avoiding these 3 types of pitfalls.

Key Point 1 for Avoiding Pitfalls: Be Alert to "Overpromising of Facilities" and Reject "Empty Concepts".

避坑重点1：警惕“配套画大饼”，拒绝“空中楼阁”。

Many real estate projects claim during their promotion that they are "close to the subway", "have their own top schools", and "are planning a large shopping district". However, after the actual delivery of the houses, it is discovered that the subway planning is far from being realized, the so-called top schools are just "listed for cooperation", and the shopping district has turned into small convenience stores.

不少楼盘宣传时宣称“紧邻地铁”“自带名校”“规划大型商圈”，但实际交房后发现，地铁规划遥遥无期、所谓名校只是“挂牌合作”、商圈沦为小型便利店。

Under the 2026 housing market regulation, the fulfillment ability of facilities has become the core competitiveness. Homebuyers must not easily believe the promises in the brochures and the verbal commitments of the real estate consultants.

2026年楼市调控下，配套兑现能力成为核心竞争力，购房者切勿轻信宣传册和置业顾问的口头承诺。

The correct approach is: Check the planning documents, log on to the official websites of the local natural resources bureau and housing and urban-rural development bureau to confirm the official planning and implementation time of the subway, schools, and shopping districts;

正确做法是：查规划文件，登录当地自然资源局、住建局官网，确认地铁、学校、商圈的官方规划及落地时间；

Examine the existing facilities, and preferentially choose those that have been completed and can be inspected in person, such as a bus stop within a 10-minute walk, a school that has started enrollment, and a supermarket that is in business. The planned facilities should only be regarded as an additional factor and not as the basis for core decision-making.

看现有配套，优先选择已建成、可实地考察的配套，比如步行10分钟可达的公交站、已招生的学校、营业中的商超，规划中的配套仅作为加分项，不作为核心决策依据。

Key point for avoiding pitfalls 2: Avoid the "low-price trap in remote suburbs", don't be greedy and end up suffering huge losses.

避坑重点2：避开“远郊低价陷阱”，不贪便宜吃大亏。

In the remote suburbs of third-tier and fourth-tier cities, as well as the suburbs of core cities, they often attract first-time buyers with the promises of "low prices" and "down payment installment", but most of these properties face problems such as population outflow, lack of facilities, and poor liquidity. In the future, they are likely to encounter a situation where prices drop and there is no market demand, and even may become "ghost town" assets.

三四线城市远郊、核心城市远郊板块，往往以“低价”“首付分期”为噱头吸引刚需，但这类房源大多面临人口外流、配套匮乏、流通性差的问题，后期大概率面临房价下跌、有价无市的困境，甚至可能沦为“鹤岗化”资产。

For those buying in 2026, prioritize choosing core urban areas or nearby areas, as well as areas with mature facilities, even if the area is a little smaller, it is safer than buying large-scale properties in remote suburbs;

2026年刚需买房，优先选择核心城区或近城区、配套成熟的板块，哪怕面积小一点，也比买远郊大盘更稳妥；

for the improvement group, they should pay more attention to the level of the area. Properties in satellite cities of core urban agglomerations and core areas of provincial capitals have much better resistance to price drops and liquidity compared to those in remote suburbs.

改善群体更要注重板块能级，核心城市群卫星城、省会城市核心区的房源，抗跌性和流通性远优于远郊。

Key Point 3 for Avoiding Pitfalls: Reject the Misconception of "Old, Run-down and Small" Not all old houses can be bought at a low price.

避坑重点3：拒绝“老破小”误区，不是所有老房都能捡漏。

Many home buyers believe that "old, dilapidated and small" houses have low unit prices and complete facilities, making them suitable for those in need of a transitional home. However, most old and dilapidated houses with a construction age over 20 years have three major hidden dangers: First, the layout is outdated, with poor lighting and ventilation, resulting in a poor living experience and making it difficult to resell in the future;

很多购房者认为“老破小”单价低、配套全，适合刚需过渡，但多数房龄超过20年的老破小，暗藏三大隐患：一是户型落后、采光通风差，居住体验差，后期难以转手；

second, the community facilities are old and lack elevators and insufficient parking spaces, and there is a lack of property services;

二是小区设施老化，无电梯、停车位不足，物业服务缺位；

third, loans are restricted. Most banks shorten the loan term and raise the down payment ratio for houses with a construction age over 20 years, or even refuse to issue loans, increasing the financial pressure of purchasing a home.

三是贷款受限，多数银行对房龄超过20年的房源，贷款年限缩短、首付比例提高，甚至拒绝放贷，增加购房资金压力。

For those in need of a transitional home, they can choose secondary new houses with a construction age of less than 10 years, a square layout, and complete facilities, taking into account both the living experience and liquidity.

刚需过渡可选择房龄10年以内、户型方正、配套成熟的次新房，兼顾居住体验和流通性。

II. Developers' Tips: Avoiding Project Suspension Risks, Selecting Reliable Developers

二、开发商避坑：规避烂尾风险，认准靠谱房企

In recent years, some developers' financial chains broke down, resulting in the suspension of housing projects, which has become the biggest nightmare for homebuyers.

近年来，部分房企资金链断裂导致楼盘烂尾，成为购房者最大的噩梦。

In 2026, the real estate industry is still in the stage of deleveraging and promoting stability.

2026年，房地产行业仍处于去杠杆、促稳定的阶段，选择靠谱开发商，是避免烂尾的核心，重点关注这2点。

Choosing reliable developers is the core to avoid project suspension. Focus on these two points.

避坑重点1：优先选择国企、央企及头部稳健房企，远离中小房企和高负债房企。

Key point for avoiding pitfalls:优先选择国有企、央企以及头部稳健的房地产企业，远离中小房企和高负债房企。

国企、央企（如保利、万科、中海等）资金实力雄厚，受政策扶持，烂尾风险极低；

国有企、央企（如保利、万科、中海等）资金实力雄厚，受政策扶持，烂尾风险极低；头部稳健的房企负债率合理、现金流充足，项目交付有保障。

头部稳健房企负债率合理、现金流充足，项目交付有保障。

相反，那些负债率超过 80%、多次出现债务违约的中小房企，以及靠高杠杆扩张的房企，项目烂尾风险极高，即便房价再低也不要购买。

反之，那些负债率超过80%、多次出现债务违约的中小房企，以及靠高杠杆扩张的房企，项目烂尾风险极高，哪怕房价再低也不要入手。

购房者可登录房企官网、第三方财经平台，查询房企的负债率、债务违约记录、过往交付情况，避开风险房企。

购房者可登录房企官网、第三方财经平台，查询房企的负债率、债务违约记录、过往交付情况，避开风险房企。

Key point for avoiding pitfalls 2: Verify the five certificates of the project.

避坑重点2：核实项目五证，无证楼盘坚决不买。

Do not purchase a property without a certificate. The "five certificates" (the "State-owned Land Use Certificate", "Construction Land Planning Permit", "Construction Project Planning Permit", "Building Construction Permit", and "Commercial Housing Sales (Pre-sale) Permit") are the prerequisites for the legal sale of a property. Any lack of one of these certificates constitutes illegal sales, and the purchase contract signed by the buyer is invalid. The buyer also faces risks such as project abandonment and inability to obtain property rights.

“五证”（《国有土地使用证》《建设用地规划许可证》《建设工程规划许可证》《建筑工程施工许可证》《商品房销售（预售）许可证》）是楼盘合法销售的前提，缺少任何一证，都属于违规销售，购房者签订的购房合同无效，且面临烂尾、产权无法办理的风险。

The buyer can request the developer to present the original copies of the five certificates, or log in to the local housing authority's official website to verify and confirm that all five certificates are complete and within their validity period, before making a decision to purchase;

购房者可要求开发商出示五证原件，或登录当地住建局官网查询核实，确认五证齐全且在有效期内，再决定购房；

for properties without a pre-sale permit, even if they offer "internal subscription" or "low-price lock-in" activities, they should be firmly refused.

未取得预售证的楼盘，哪怕推出“内部认购”“低价锁房”活动，也坚决拒绝。

III. Avoiding Property Rights Pitfalls: Clarify Property Rights Nature to Prevent Disputes

Property rights are like the "identity card" of a house.

三、产权避坑：明确产权性质，避免产权纠纷

If the nature of the property rights is unclear or not specified, it will directly affect the transaction, inheritance, and mortgage of the house, and even prevent the buyer from obtaining complete property rights.

产权是房子的“身份证”，产权不清晰、性质不明确，会直接影响房子的交易、继承、抵押，甚至导致购房者无法拥有完整产权，重点避开这2类坑。

Focus on avoiding these two types of pitfalls.

Key point for avoiding pitfalls 1: Distinguish between "commercial housing" and "affordable housing", and refuse to confuse property rights.

避坑重点1：分清“商品房”与“保障性住房”，拒绝混淆产权。

Commercial housing has a complete 70-year property right and can be freely traded, mortgaged, and inherited.

商品房拥有70年完整产权，可自由交易、抵押、继承，是购房者的首选；

It is the preferred choice for home buyers. However, affordable housing (such as economic affordable housing, public rental housing, and resettlement housing) has special property rights characteristics and most have transaction restrictions. For example, economic affordable housing can only be traded after 5 years and requires the payment of additional land transfer fees. Public rental housing is prohibited from being sold, and resettlement housing may have incomplete property rights or problems such as inability to obtain a property certificate.

而保障性住房（如经济适用房、公租房、安置房），产权性质特殊，大多有交易限制，比如经济适用房需满5年才能上市交易，且需补缴土地出让金，公租房禁止买卖，安置房可能存在产权不全、无法办理房产证的问题。

When buying a house, home buyers must verify the property rights nature and clearly state "commercial housing" in the purchase contract to avoid developers using "resettlement housing", "talent housing", or other names to misrepresent commercial housing.

购房者买房时，务必核实产权性质，在购房合同中明确写明“商品房”，避免开发商以“安置房”“人才房”冒充商品房。

Key point for avoiding pitfalls 2: Verify the ownership of the property and avoid purchasing properties that are subject to mortgages or legal seizures.

避坑重点2：核实产权归属，避开有抵押、查封的房源。

Some properties have situations such as property mortgage (e.g., the developer mortgages to the bank, or the owner mortgages to an individual) or judicial seizure. These properties cannot be traded normally. Even if the buyer pays the money, they cannot handle the property title transfer, and they may even get involved in debt disputes.

部分房源存在产权抵押（如开发商抵押给银行、业主抵押给个人）、司法查封等情况，这类房源无法正常交易，购房者即使付款，也无法办理产权过户，甚至可能卷入债务纠纷。

When purchasing for the purpose of meeting basic needs or improving living conditions, whether for new houses or second-hand houses, one should go to the local real estate registration center to inquire about the property title status and confirm that there are no mortgages, no seizures, and clear ownership.

刚需、改善买房时，无论是新房还是二手房，都要到当地不动产登记中心查询房源产权状态，确认房源无抵押、无查封、产权归属清晰；

For second-hand houses, it is also necessary to verify the identity of the owner and confirm that the owner listed on the property certificate is the same as the one who signed the contract to avoid the situation of "unauthorized disposal".

二手房还要核实业主身份，确认房产证上的业主与签订合同的业主一致，避免出现“无权处分”的情况。

IV. Avoiding Pitfalls in Transactions: Standardizing Transaction Procedures and Safeguarding Fund Security

四、交易避坑：规范交易流程，守住资金安全

The transaction process for buying a house is complex, involving multiple steps such as deposit, down payment, loan, and property transfer. Each step may have potential pitfalls, especially regarding fund security. If something goes wrong, it could result in total loss of funds. Pay close attention to these 3 points.

买房交易流程复杂，涉及定金、首付、贷款、过户等多个环节，每个环节都可能出现坑点，尤其是资金安全，一旦出错，可能血本无归，重点注意这3点。

Key Point for Avoiding Pitfalls 1: Be cautious when paying the deposit. Clearly distinguish between the deposit and the booking fee.

避坑重点1：谨慎缴纳定金，明确定金与订金的区别。

Many home buyers, when viewing properties, are pressured by real estate agents to pay a "deposit" to secure the property, but often overlook the difference between the deposit and the booking fee: The deposit has an insurance nature. If the buyer breaches the contract, the deposit will not be refunded;

很多购房者在看房时，被置业顾问催促缴纳“定金”锁定房源，但往往忽视定金与订金的差异：定金具有担保性质，一旦购房者违约，定金不予退还；

if the developer breaches the contract, they must return double the deposit;

开发商违约，需双倍返还定金；

while the booking fee merely serves as a prepayment. In case of any breach by either party, the booking fee can be refunded.

而订金仅作为预付款，双方任何一方违约，都可退还订金。

Before paying the deposit, buyers must carefully check whether the contract uses the word "deposit" or "booking fee", clarify the breach clause, and avoid paying the deposit out of impulse, only to lose it later due to the inability to purchase the property;

购房者缴纳定金前，务必看清合同中的“定”字还是“订”字，明确违约条款，避免因一时冲动缴纳定金，后期无法买房而损失定金；

at the same time, the amount of the deposit should not be too high. It is recommended to be no more than 5% of the total property price, and a formal deposit agreement must be signed.

同时，定金金额不宜过高，建议不超过总房款的5%，且务必签订正式的定金协议。

Key Point 2 for Avoiding Pitfalls: Be prudent when taking out a mortgage for home purchase and avoid the trap of high leverage.

避坑重点2：贷款买房量力而行，避开高杠杆陷阱。

In 2026, mortgage interest rates continued to decline. Some home buyers, in order to purchase larger houses, chose high down payments, high monthly payments, and even borrowed high-interest loans to cover the down payment, resulting in huge repayment pressure in the future. If income fluctuates, they may face the risk of default and their houses may be seized and auctioned by the bank.

2026年房贷利率持续下探，部分购房者为了买更大的房子，选择高首付、高月供，甚至借高利贷凑首付，导致后期还款压力巨大，一旦收入出现波动，可能面临断供风险，房子被银行查封拍卖。

For those who need to buy a home, it is recommended to follow the principle that "monthly payment should not exceed 50% of monthly income". Prioritize choosing provident fund loans or combined loans to reduce repayment pressure.

刚需买房建议遵循“月供不超过月收入50%”的原则，优先选择公积金贷款或组合贷款，降低还款压力；

For those in the improvement group, avoid blind replacement and, based on their own economic strength, choose housing reasonably. Do not blindly pursue large-sized or high-quality houses, and avoid getting trapped in the high-leverage situation.

改善群体避免盲目置换，结合自身经济实力，合理选择房源，不盲目追求大户型、高品质，避免陷入高杠杆困境。

Key Point 3 for Avoiding Pitfalls: In the transaction of second-hand houses, avoid "shadow contracts" and loopholes in fund supervision.

避坑重点3：二手房交易，避开“阴阳合同”和资金监管漏洞。

In the process of second-hand house transactions, some agents and homeowners may sign "shadow contracts" (one for tax avoidance during online signing and the other for the actual transaction price) to avoid taxes. However, this behavior is considered illegal. If caught by the tax authorities, the buyer will have to pay back taxes and penalties, and may face the risk of the property transfer failing.

二手房交易中，部分中介和业主为了避税，会签订“阴阳合同”（一份用于网签避税，一份为实际交易价格），但这种行为属于违规操作，一旦被税务部门查处，购房者需补缴税款和滞纳金，且可能面临产权过户失败的风险。

At the same time, the transaction funds for second-hand houses must go through the official fund supervision account to prevent direct payment of the down payment and the balance to the homeowner or agent, and to avoid situations where the homeowner absconds with the funds or the agent misappropriates the funds, ensuring the safety of the funds.

同时，二手房交易资金务必走官方资金监管账户，避免直接将首付、尾款支付给业主或中介，防止出现业主卷款跑路、中介挪用资金的情况，确保资金安全。

V. Avoiding Pitfalls in House Layout and Property: Details Determine Living Experience, Reject "Hidden Defects"

五、户型与物业避坑：细节决定居住体验，拒绝“隐性缺陷”

When many homebuyers purchase properties, they only focus on the price and location, neglecting the house layout and the property. After moving in, they discover numerous inconveniences that affect their long-term living experience. The key is to avoid these two types of pitfalls.

很多购房者买房时，只关注房价、地段，忽视户型和物业，入住后才发现诸多不便，影响长期居住体验，重点避开这2类坑。

Key point for avoiding pitfalls 1: Reject "weird floor plans" and choose regular, spacious floor plans.

避坑重点1：拒绝“奇葩户型”，认准方正、通透户型。

Weird floor plans (such as triangular, pistol-shaped, or knife-handle-shaped) not only have poor lighting and ventilation, and low space utilization, but also have high renovation costs and are difficult to resell in the future.

奇葩户型（如三角形、手枪形、刀把形）不仅采光通风差、空间利用率低，而且后期装修成本高、难以转手。

When choosing a floor plan, homebuyers should prioritize regular floor plans with square shapes, where the living room and bedrooms face south, have good ventilation from north to south, have a reasonable layout (separate bedrooms from the living room, and adjacent kitchen and dining room), and avoid choosing dark kitchens and bathrooms.

购房者选户型时，优先选择方正户型，客厅、卧室朝南，南北通透，动线合理（卧室与客厅分离、厨房与餐厅相邻），避免选择暗厨、暗卫；

At the same time, pay attention to the floor plan dimensions. For the basic needs type of floor plans, the bedroom area should be no less than 9 square meters, and the living room area should be no less than 15 square meters to ensure living comfort.

同时，关注户型尺寸，刚需户型卧室面积不小于9㎡，客厅不小于15㎡，确保居住舒适度。

Key Point 2 for Avoiding Pitfalls: Pay Attention to Property Services and Avoid "Disorganized Property Management".

避坑重点2：重视物业服务，避开“摆烂物业”。

Property services directly affect the living experience and the preservation and appreciation of the house value. Many residential areas have problems such as dirty and messy sanitation, lax security, unattended maintenance of facilities, and frequent elevator malfunctions due to the absence of property services. This can even lead to conflicts between homeowners and the property management.

物业服务直接影响居住体验和房子的保值增值，很多小区因物业服务缺位，出现卫生脏乱、安保松散、设施损坏无人维修、电梯频繁故障等问题，甚至引发业主与物业的矛盾。

When purchasing a house, potential buyers should prioritize choosing residential areas with good reputation for property services and high-quality property management companies. They should conduct on-site inspections of the sanitation conditions, security measures, and facility maintenance, and consult the evaluations of existing homeowners.

购房者买房时，优先选择物业服务口碑好、物业公司资质高的小区，可实地考察小区的卫生状况、安保措施、设施维护情况，咨询已入住业主的评价；

At the same time, they should clearly specify the property service standards, property management fees, and liability for breach of contract in the purchase contract to avoid being unable to seek redress due to the property management's "disorganization" in the future.

同时，在购房合同中明确物业服务标准、物业费标准及违约责任，避免后期物业“摆烂”无法维权。

Conclusion: In 2026, the housing market will become more segmented. Buying a house is not just about "purchasing a single property", but rather about "acquiring a sense of security".

结语：2026年楼市分化加剧，买房不仅是“买一套房”，更是“买一份安心”。

For those who are in need of a home or those seeking to improve their living conditions, the key to avoiding pitfalls when buying a house lies in discarding the mentality of "seeking cheap deals and believing in promotional materials", and adhering to the principle of "examining the five certificates, verifying the property rights, choosing reliable options, and keeping records". Focus on one's own living needs, make rational judgments, and make cautious decisions. Remember, there is no "hunting for bargains" in buying a house; there is only "avoiding pitfalls".

对于刚需、改善群体而言，买房避坑的核心，就是摒弃“贪便宜、听宣传”的心态，坚持“看五证、核产权、选靠谱、留证据”的原则，聚焦自身居住需求，理性判断、谨慎决策。

Spending a little more time to understand the details and verify the information can help avoid pitfalls and purchase a good house that suits you and has the potential for appreciation and preservation, truly achieving the aspiration of "having your own home".

记住，买房没有“捡漏”，只有“避坑”，多花一点时间了解细节、核实信息，才能避免踩坑，买到一套适合自己、保值增值的好房子，真正实现“居者有其屋”的心愿。