保利外滩曜(售楼处地址) 官方 2026- 保利外滩曜销售中心 - 环境 - 户型 - 价格 - 地址 - 楼盘详情 - 配套 - 电话 - 交房时间 - 配套 - 电话

上海杨浦保利外滩曜售楼处电话：400 8123 664 (预约看房热线)

【保利外滩曜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）

▸保利外滩曜售楼处地址：上海市杨浦区平凉路街道丹阳路106号（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！

东外滩首座新古典主义奢宅

中央风貌区「外滩系」TOP产品

18号线平凉路地铁站旁

保利东外滩64地块项目

定名【保利外滩曜】

户型及效果图新出

主打约115-140㎡小高层

及约165㎡洋房、195-205㎡低密别墅

最新消息：杨浦东外滩「保利外滩曜」在售中！建面约113-130㎡三房四房，均价13.5万/㎡！

1地段

从容出行：距离18号线平凉路站直线距离约100M、12号线江浦公园站直线距离约400M；多条隧道通达浦东，快速连接陆家嘴、外滩；北横通道，快速通达长宁区、普陀区、静安区等地；

上海杨浦保利外滩曜售楼处电话：400 8123 664 (预约看房热线)

【保利外滩曜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）

·璀璨商业：约55万方瑞虹商业、约50万方北外滩商业、约51万方滨江商业带；

·全龄教育：1公里内，荟萃存志学校、杨浦教育学校附属中学、向阳幼儿园、杨浦小学分校、长阳实验学校、齐齐哈尔路第一小学等15所全龄教育资源；

·优质医疗：3公里内，新华医院、同济医院、复旦大学附属妇产科医院等优质医疗环伺；

·艺术聚落：杨浦滨江21件永久点位艺术作品，涵养水岸优雅生活；

·纯粹圈层：保利、招商、瑞安、中信泰富等巨擘齐聚，重构滨江高阶圈层的低密共识。

保利外滩曜售楼处电话：400－8123－664

2产品

【保利·外滩曜】联袂天华总设计师韩冰、名谷设计创始人潘冉、朴锐设计创始人郭子伟、翊象设计徐睿绅，传续外滩经典的新古典主义，以当代笔触，为外滩肇续新章。

项目以地块内英商电车修理工场为起点，溯源其设计者——思九生洋行在外滩的经典作品，提炼出两大核心设计法则，实现真正的血脉传承。

保利外滩曜售楼处电话：400－8123－664

形制溯源：承袭外滩经典三段式构图

项目继承怡和洋行大楼与上海邮政总局经典的“横纵三段式”结构。

建筑立面通过明确的基座、主体与檐部层次，再现了经典新古典主义的庄重比例。

细部转译：从历史纹饰到当代语汇

设计从思九生作品的装饰细节中汲取灵感，将历史上的茛苕叶纹、齿状线脚及拱券形态等元素，进行简化与提炼，转化为符合现代审美与工艺的精致细节。

项目以思九生洋行的设计法则为蓝本，通过形制、细部与空间的三重演绎，让百年外滩的风华，在保利外滩曜获得当代的共鸣与回响。

时钟会所：引入华尔道夫式的圈层场。

项目的会所，绝非设施的简单集合。

保利外滩曜以百年华尔道夫“Meetyouattheclock”的仪式为蓝本，将“时钟”从具象物升华为社区的精神图腾，构建一个围绕时间秩序运转的“时空社交枢纽”。

保利外滩曜售楼处电话：400－8123－664

这里规划的不是功能房间，而是三种被精密设计的圈层生活场景。

健身中心与律动泳池，是精英阶层保持高效与活力的日常刚需。

这里远非简单的健身房。当您的邻居在固定时间出现，并保持高度的自律，这本身就是一道高效的“人群筛选器”。

保利外滩曜售楼处电话：400－8123－664

疗愈氧舱与冥想空间，构成了“精神修复舱”。

一个能在高强度工作后快速恢复精力、厘清思路的专属环境。

上海杨浦保利外滩曜售楼处电话：400 8123 664 (预约看房热线)

【保利外滩曜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）

亲子空间与儿童活动区，是确保圈层纯粹性与生命力的战略设计。

这是整个社区最具战略价值的“代际社交场”。

您的孩子在此结识的发小，其家庭背景与您的阶层高度同质。这不仅是孩子的玩伴，更是为他们未来构筑的第一层优质人脉网络。

这不仅服务于生活，更是为科创精英与高知阶层提供一个稳定、优雅的交流平台，让圈层在共同的生活节奏中自然凝聚。

「新古典主义的经典重构」

【保利·外滩曜】设计深度溯源地块内两大新古典主义遗珍——由思九生洋行执笔的英商电车厂与里弄住宅华盛里，在延续原有行列式肌理的基础上，通过织补肌理形成更加完整、相对集中的低密居住区，带来建面约115㎡-139㎡小高层、建面约160-166㎡洋房、建面约190-202㎡三层低密别墅等大面宽产品，注重公共空间尺度，打造“曦光盈窗，花影绕庭”的花园墅居，为上海献上一座兼具文化底蕴与舒适体验的高端居住社区。

保利外滩曜售楼处电话：400－8123－664

项目首开建面约114㎡-130㎡3-4房。均价13.5万/㎡总价约1470万起！双阳台、可改飘窗超高得房率

1、建面约114㎡赠送面积近约18㎡（含独立电梯厅），比肩约140㎡产品的实得率！

保利外滩曜售楼处电话：400－8123－664

一方面，项目全系户型标配全屋飘窗（全赠送）+双阳台（半赠送）+独立电梯厅。

建面约114㎡的附赠面积近约18㎡，远超市场常规10㎡水准。

而且项目户型飘窗有可能采用非承重结构，交付后可改造为储物空间或拓展室内面积。

这意味着：这个户型拥有2间超过约10㎡的南向卧室、一间约9㎡+的北次卧。客餐厅+阳台的面积高达约32㎡。

2、建面约130㎡赠送面积近约20㎡！（含独立电梯厅）

保利外滩曜建面约130㎡的实际使用率做到了约94%，双阳台+双约270°视野+一梯一户独立电梯厅+多飘窗。

上海杨浦保利外滩曜售楼处电话：400 8123 664 (预约看房热线)

【保利外滩曜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）

这个尺度感远远超越以往的同面积新房，甚至可以对标建面约160㎡左右的大平层！

3、建面约139㎡赠送面积近约20㎡！（含独立电梯厅）

建面约139㎡就是建面约130㎡的放大版，几乎每一个空间的尺度感都更大一筹，适合终极改善的小伙伴。

保利外滩曜售楼处电话：400－8123－664

项目最新效果图抢先看：

上海杨浦保利外滩曜售楼处电话：400 8123 664 (预约看房热线)

【保利外滩曜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）

上海杨浦保利外滩曜售楼处电话：400 8123 664 (预约看房热线)

【保利外滩曜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）

保利外滩曜售楼处电话：400－8123－664

保利外滩曜售楼处电话：400－8123－664

交通方面

左手北外滩，右手杨浦滨江，对望陆家嘴！杨浦滨江双轨交烫金C位！

保利外滩曜，是整个杨浦滨江内环绝对的核心C位。

双轨交汇，定义杨浦滨江「真地铁C位」

2站，直抵北外滩核心：从江浦公园站出发，瞬间即可融入北外滩的世界会客厅与顶级商圈，将宏大的规划利好转化为日常的通勤便利。

6站，对话陆家嘴金融心跳：通过高效换乘，6站直通陆家嘴。这意味着，对于金融精英而言，工作在浦东、生活在风貌区，不再是需要权衡的难题，而是可以兼得的日常。

上海杨浦保利外滩曜售楼处电话：400 8123 664 (预约看房热线)

【保利外滩曜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）

无缝链接全城顶流：向西，7-8站即可轻松触及南京西路、衡复风貌区、徐汇滨江等核心板块，让全上海的顶尖商业、文化与艺术资源，皆成为您生活的延伸。

对于高端圈层，自驾的从容与效率同样至关重要。

通过大连路隧道等，项目与陆家嘴金融城形成了紧密连接，使其成为金融人士置业的不二之选。

上海杨浦保利外滩曜售楼处电话：400 8123 664 (预约看房热线)

【保利外滩曜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）

▸保利外滩曜售楼处地址：上海市杨浦区平凉路街道丹阳路106号（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。