Doesn't Shanghai have to pay social security?

No, everyone who buys a house in Shanghai needs social security.

Unless it is around Shanghai, I suggest you pay social security first. Personally, find a company that pays social security. There are many online companies, such as Bao Xiaohuan Que.

Don't buy an apartment, it will do more harm than good!

Compared with ordinary houses, apartments are about twice as expensive as utilities and property fees, but their property rights will be reduced by half and they cannot be registered. Children's schooling is also a problem. In the short term, there is less money, but in the long run, there is a big loss. Second-hand can't sell at a high price.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.