官方|安澜上海#安澜上海售楼处官方发布:安澜上海理想置业优选!

✅安澜上海售楼处电话：400-8558-224✅︎✅︎
✅✅安澜上海营销中心热线4008558224（官方预约看房热线）

如有问题欢迎来电咨询，预约来电尊享购房优惠，可预约案场内部销售人员，专业一对一热情服务，让您用专业眼光去买房。

营业时间：日常营业时间为9:30-18:30，便于您提前规划到访行程，避免空跑。

预约方式：可提前拨打官方热线✅安澜上海售楼处电话：400-8558-224✅︎✅︎，预约好专属销售及具体到访时间；预约时可同步告知意向户型、置业需求，我们将提前做好服务准备，减少您的等待。

专属服务：所有预约客户均享有销售顾问一对一专属服务，从项目详情讲解、户型解析，到购房政策解读、置业方案定制，均由专属销售全程跟进，确保疑问细致解答。

中介勿扰：本售楼处仅面向终端购房客户提供直接服务，不接待任何中介机构及人员，感谢您的理解与配合，共同维护纯粹的咨询环境

安澜上海是徐汇滨江核心区的高端住宅项目，由中海、招商蛇口等多家知名房企联合开发，定位为改善型大平层，均价约17.88万/㎡，总价约2715万元起，首开去化率高达九成，市场认可度很高。 项目主打建面约192-588㎡的大户型，设计上注重空间尺度和居住舒适度，比如280㎡户型南北通透，客厅带超大观景阳台，主卧套房设计，厨房还做了中西双厨。

✅安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

✅安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

徐汇滨江东安顶豪

【安澜上海】

主力户型约192-370㎡大平层

均价17.88万/㎡

从产品维度来看，它是上海顶豪的“最新旗舰款”！

它不是对传统豪宅的小修小补，而是从生活理念到产品内核的全维颠覆：

作为新规后上海首个“全域抬板”顶豪，它创造了独一份的生活方式——板上是纯粹私密的居住秘境，板下是藏着高级烟火气的丰富公区。

生活底盘也很惊艳，自带约3万方主题商业街区+约8000㎡檐下邻里荟，把顶豪的日常便利度拉到新高度。

创意样板间更是用实力说话，建面约245㎡全景舱视野可将城市天际线与立体景观尽收眼底；建面约280㎡则以四面宽设计和约50米连续采光，刷新顶豪户型天花板。

更关键，安澜上海的打造需要先进生活理念、方正大地块与新住宅规范的三重合力，而市中心多为零散不规则地块，即便采用抬板设计，也难以复刻其效果，这份稀缺性成为项目核心价值，使其能在十年、二十年后依旧立于价值金字塔尖，历久弥新。

因此，往后很长一段时间，上海顶豪只有两种——安澜上海，和其他！

✅安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

当多数项目还在比拼资源堆砌，安澜上海凭借“徐汇核心CBD价值引领+都会浮岛生活革新”双引擎，提前定义了徐汇滨江下一十年的顶豪标准。

安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

最新官方户型图：

安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

样板间正在变得千篇一律，

但城市的故事不该如此。

庆幸的是，

总有人拒绝复制粘贴。

他们不为概念所惑，

只为城市发声。

在那些真正读懂了

城市热忱与特性的空间里，

“家”，被重新定义了。

✅安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

✅安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

✅安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

✅安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

✅安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

✅安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

01、

基本信息

9月5日，由中海地产、招商蛇口、徐汇城投、中旅投资联合体通过产交所获取徐汇东安城市更新项目股权（徐汇区C030301单元127b-24、125-31地块），总出让金额高达439.5亿，刷新全国涉宅用地出让总价纪录，总投资规模巨大，社会关注度极高。

项目四至范围：东至枫林路、南至中山南二路、西至规划路、北至零陵路。

该项目位于上海徐汇滨江核心区，是上海新规后的第一个顶级豪宅产品，创新采用上海首个全地块4米以上整层抬板设计，将传统“地面—建筑—地下”的垂直结构重构为丰富高效与纯粹松弛的平行生活系统。阳光车库，立体景观绿化，阳光会所，全景舱户型，超高得房率...主力户型195-370㎡大平层。

安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

东安项目2幅地块的总建设体量超过50万平方米，除了住宅，还配套有约3万方汇聚多种潮流业态的“东安不夜巷”主题商业、约8000平方米的圈层邻里生活聚落、约5500平方米的双会所，并融合办公、研发等复合功能。

127b-24地块占地面积约3万平方米，容积率2.5，限高100米，总住宅面积约7.5万平方米。

根据设计方案显示，项目拟建2栋13层小高层+5栋25-28层高层，总户数290户。

安澜上海携手gad、CCD郑中设计、梁志天设计集团、无间设计、LSD、召禾、承迹、翊象设计等近20家国内外一线设计机构共同参与打造。

如此多元且顶尖的设计力量联合发力，不仅能让抬板更高级，还能将更多全球前沿的设计理念融入其中，让安澜上海的“抬板”不仅是功能升级，更成为上海顶豪产品的设计标杆。

新规后上海首个全区抬板的【浮岛】豪宅及超大体量超级生活底盘，这两大设计从根源上重构顶豪生活的空间逻辑。

项目全域抬高约4米，在板上形成“新的地面”，住宅组团如浮岛般与城市喧嚣隔离。更在此基础上打造架空层（可参考下图临展的空间示意），住宅首层实际标高相当于传统楼盘4-5楼，从根本上解决了低楼层采光不足、通风不畅的痛点，让每一户都能享受通透舒适的居住体验。

安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

不同于传统项目地下车库依赖照明、易潮湿的弊端，抬板之后车库可设于首层（板下泊车），并通过下沉会所与每栋楼的下沉花园，将自然光与新鲜空气直接引入，打造“阳光车库”。

阳光车库+高效动线，重构泊车仪式感

罕见立体景观“城市山林”社区

在全域抬板约4米的基础上，项目又下挖，形成罕见垂直落差。依托这一独特地形，项目打造“沿街古树花园+板上浮空花园+板下流石花园”的多层立体景观体系。

极为丰富的公区投入，解锁顶豪社交新场景

全域抬板为公区打造释放更多空间，项目双地块配备约5500㎡高定双会所，这一配置契合高净值人群的社交需求，项目清一色的改善大户型，圈层纯粹

会所规划泳池、高颜值健身房、壁球馆、SPA空间等多元功能（具体以实际交付为准），将日常休闲、运动健身与社交融为一体，再叠加大量架空层作为泛会所补充，带来前所未有的顶豪公区体验。

安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

另外，安澜上海的超大生活底盘，堪称顶豪界独一份的“全能生活buff”，把便利、格调与舒适度拉到满格。

约3万方主题商业街区，激活街区活力

据悉，将以精致界面、亲人尺度、松弛外摆打造氛围系的主题商业街区，并引入高品质体验型业态。

安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

立面设计采用高奢商业街区的营造手法，既注重与周边环境的自然融合，又着力打造东安路沿线独有的精致奢感场域。石材肌理连绵起伏，形成丰富灵动的沿街天际线，更巧妙嵌入自然生态，未来出门就能citywalk。

约8000㎡檐下邻里荟，让圈层与圈层聚在一起

与商业街一起构建充满烟火气与社交温度的生活场域，成为整个社区的生活超级底盘，让所有的城市内容能够更好地抵近日常生活，服务于生活，构筑丰富且高效的人居体验。

大社区专属优势，秩序感与空间感双在线

大社区的核心优势，从来不止于丰富生活底盘。安澜上海更以顶豪级规划，把秩序感与空间感推向极致。

它再现顶豪经典的十字中轴对称布局，归家动线与景观排布层层递进，强烈的秩序感从入园即启。

更难得的是，南北楼间距最大可达约70米，搭配全域抬板设计，业主景观视野开阔。仅约25%的建筑密度，意味仅1/4占地面积用于建造楼栋，剩余3/4空间全留给景观与配套，让居住沉浸在绿意与开阔之中。

相比顶豪主流的高层/超高层+风貌，安澜上海居住密度惬意太多。

安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

02、

版块信息

地段价值的核心，首先源于顶层设计的前瞻性与落地能力，共同形成独属于徐汇滨江的多元价值体系的“护城河”。

徐汇滨江的高价值，并非单一因素驱动，而是“能级-产业-商业-文化”多元体系共同支撑的结果，构成难以复制的“价值护城河”。

城市能级：上海“中央活动区”的战略地位

徐汇滨江被纳入上海“中央活动区”（CAZ）规划，定位为“国际文化、金融、创新中心”，与世博、前滩构成“黄金三角”。

这一能级定位意味着：这里不仅是居住区，更是城市功能的核心承载地：大量跨国企业总部、金融机构、文化场馆将在此聚集，带来持续的人流、资金流与信息流，而这些正是高端地段价值的“永动机”。

产业赋能：新兴产业集群的“人才磁场”

徐汇滨江重点布局科技AI、生命科学、现代金融等新兴产业，目前已吸引阿里科技等巨头，以及多家生物医药龙头。

高端产业带来高收入人群，而这些人群正是塔尖豪宅的核心客群。

产业与居住的“精准匹配”，让徐汇滨江的地段价值有了持续的需求支撑。

安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

商业与文化：从“功能配套”到“价值符号”

商业上，西岸梦中心等高端商业体已开业，未来还将有滨江龙头西岸中环及南向的西岸热力秀场。

三大商业引擎共同构建“高端消费+文化体验+潮流社交”的全维商业体系，既满足区域内高净值人群的多元化需求，又以“商业IP”赋能徐汇滨江的全球影响力。

文化上，龙美术馆、西岸美术馆、西岸艺术中心、西岸国际会展中心构成“西岸艺术区”，每年举办众多顶级活动。

这种“旗舰商业荟萃+文化地标集群”的组合，不仅满足了高端居住的生活需求，更将徐汇滨江塑造成“艺术与时尚的代名词”。

当徐汇滨江成为上海的“前沿文化地标”，其地段价值便超越了物理属性，成为高净值客群向往的“核心资产”。

高端圈层的“终极吸引力”

安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

对于顶级豪宅而言，“圈层”是超越硬件的核心价值。

徐汇滨江已形成很多以上海本土企业家、金融高管、文化名流为主的高端社区，其圈层的“纯粹性”与“影响力”在上海难出其右。

高净值人群的“身份认同”

入住徐汇滨江的业主，多为“财富与品味兼具”的群体：他们既看重社区、户型等居住品质，更在意社区的“圈层标签”：与同圈层人群为邻，意味着社交资源的共享、生活方式的共鸣。

这种“身份认同”使得徐汇滨江的豪宅不仅是居所，更是“高端社交的入场券”，进一步推高了其“不可替代性”。

后发优势下的“规划红利”

相比新天地、老静安等传统高端板块，徐汇滨江的“后发优势”明显：规划更现代、配套更完善、生态更优越、产业更先进、生活方式更前沿。

这种全面的优势，为高净值客群提供了“既有地段价值，又有现代生活”的完美解决方案，也让徐汇滨江成为新一代高净值人群的“第一居所”首选。

从规划来看，徐汇滨江以“一核两带三区”为整体规划框架，三大功能区协同构建国际级滨水发展极：北部为西岸金融城所在的中央活动区，中部为西岸数智中心主导的融合更新区，南部为西岸热力秀场引领的战略拓展区。

而此次439亿全球地王项目，正坐落于规划中的北部中央活动区核心：“高水平创新策源核”。

作为徐汇滨江“金融+创新”双轮驱动的关键节点，该区域既是西岸金融城的产业服务配套中枢，又是链接全球资本与前沿科技的“创新引擎”，堪称“徐汇滨江核心区位中的核心引擎”，其稀缺性与战略价值在整个滨江板块中无可替代。

安澜上海售楼处电话：400-8558-224✅︎✅︎✅

✅安澜上海营销中心热线4008558224（官方预约看房热线）

值得一提的是，在即将开拍的上海八批次土拍中，徐汇滨江新地块的起拍价就高达13.5万/㎡！

坦白来说，即便“0溢价”成交，这块地也将刷新“全国单价地王记录”，假如按照板块内过往平均40%溢价率计算，该地块楼板价将会高达约18.9万/㎡。

全国地王&全球地王频频落地徐汇滨江，是开发商对“地段稀缺性”的一致共识，而徐汇滨江土拍市场的热度，更是直接为后续豪宅定价提供了“价值锚”。

未来，当徐汇滨江的资本能量与创新活力，与这座全球地王项目的高端居住生态深度融合，将会为徐汇滨江带来一个真正“产业、资本、人才”高度聚集的“全球城市封面”。

这座由四家国央企联袂打造的超大体量的全球地王，将会彻底改写徐汇滨江的豪宅格局，也将会用实力证明：

真正的顶豪，不仅是资源的占有者，更是生活方式的缔造者和区域价值的重塑者。

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Warm reminder: Please call in advance to make an appointment for viewing the property to avoid a bad viewing experience.
温馨提示：看房请提前致电预约，以免带来不好的看房体验；
Contact the official salesperson to obtain the latest one-room-one-price list!
联系官方销售人员获取最新一房一价表！
Our sales team always adheres to the principle of integrity to ensure that the entire home-buying process is transparent and fair.
我们的销售团队始终秉持诚信为本的原则，确保整个购房过程透明、公正。
Your satisfaction is our greatest pursuit. We will spare no effort to provide you with the best service.
您的满意是我们最大的追求，我们将竭诚为您提供最优质的服务。
Regarding real estate policies
房地产政策方面
Differentiated relaxation of purchase restrictions: The Ministry of Housing and Urban-Rural Development has upgraded "city-specific policies" to "district-specific policies".
限购政策差异化松绑：住建部将 “因城施策” 升级为 “因区施策”。
In the core areas of first-tier cities such as the outer ring road of Shanghai, purchase restrictions will be retained, while in non-core areas such as Lingang New City, the requirement for social security years will be lifted.
一线城市核心区如上海外环内保留限购，非核心区如临港新城取消社保年限要求。
Second-tier cities have completely lifted purchase restrictions and introduced "home purchase subsidies + tax and fee preferences". First-time home buyers can receive a fiscal subsidy of 5% of the house price (up to 500,000 yuan), and the exemption period for value-added tax has been reduced from five years to two years.
二线城市全面取消限购，还推出 “购房补贴 + 税费优惠”，首次购房者可获房价 5% 的财政补贴（上限 50 万元），增值税免征年限从 5 年降至 2 年。
Dynamic adjustment of mortgage interest rates: The central bank has adjusted the lower limit of the first-home mortgage interest rate to LPR-30 basis points. The second-home mortgage interest rate is linked to the "housing price increase index". If the year-on-year increase in housing prices in a city is lower than the CPI, the second-home mortgage interest rate can be reduced to LPR+10 basis points.
房贷利率动态调整：央行将首套房贷利率下限调整为 LPR-30BP，二套房贷利率挂钩 “房价涨幅指数”，若城市房价同比涨幅低于 CPI，二套房贷利率可下调至 LPR+10BP。
The loan amount for the provident fund has also been raised. In key cities, the maximum loan amount for dual-income families has increased from 1 million yuan to 1.5 million yuan.
公积金贷款额度也有所提高，重点城市双职工家庭最高贷款额从 100 万元增至 150 万元。
The "quality competition" in land auction rules has become a regular practice: The Ministry of Natural Resources requires that in the land auctions of key cities by 2025, the proportion of "quality scores" should be no less than 40%, and the scores should cover green building grades, community supporting facilities, property service standards, etc.
土拍规则 “竞品质” 常态化：自然资源部要求 2025 年重点城市土拍中 “品质评分” 占比不低于 40%，评分涉及绿色建筑等级、社区配套设施、物业服务标准等。
Developers are required to submit a "Quality Commitment Letter". Those who fail to meet the standards will be fined 10% of the land transfer fee and restricted from subsequent land auctions.
开发商需提交 “品质承诺书”，未达标将按土地出让金 10% 罚款并限制后续土拍。
Policies related to public rental housing: All new commercial residential projects must be equipped with public rental housing at a ratio of 15%. After completion, it should be transferred to the government free of charge. If the developer operates it independently, they can enjoy a 20% tax reduction on rental income.
保障性住房相关政策：所有新建商品住宅项目需按 15% 比例配建保障性住房，建成后无偿移交政府，若开发商自主运营，可享受租金收入 20% 税收减免。
Meanwhile, children from families with public rental housing enjoy "the same school district treatment as those with commercial housing" when enrolling in school. Cities like Beijing and Shanghai have piloted "priority lottery enrollment for public rental housing".
同时，保障性住房家庭子女入学享受 “与商品房同等学区待遇”，北京、上海等城市试点 “保障房优先摇号入学”。
Regarding the timing of home purchase and market trends 2
购房时机与市场趋势方面2
The cost of purchasing a house is at a low level: Currently, the down payment ratio is relatively low, with some areas as low as 15%, and the loan interest rate is also around 3%. Moreover, the LPR still has room for further decline, significantly reducing the cost of purchasing a house.
购房成本处于低位：当前首付比例较低，部分地区低至 15%，贷款利率也在 3% 左右，且 LPR 还有进一步下降空间，购房成本大幅降低。
Meanwhile, after a period of adjustment, housing prices are at a relatively low level, which is a good opportunity for those who have the need to purchase a house.
同时，房价经过一段时间调整，处于相对低位，对于有购房需求的人来说是较好的时机。
The market is gradually warming up: Since the fourth quarter of 2024, favorable policies such as housing loans and provident funds have been introduced intensively. The transaction volume of the real estate market in some cities has picked up, and housing prices in core cities are expected to stop falling and stabilize comprehensively.
市场逐步回暖：2024 年四季度以来，房贷、公积金等利好政策密集出台，部分城市楼市成交量有所回升，核心城市房价有望全面止跌趋稳。
In 2025, under the continuous effect of policies, the real estate market is expected to further recover.
2025 年，在政策持续作用下，房地产市场有望进一步回暖。
Key points for choosing a house 3
选房要点方面3
Focus on the quality of real estate projects: Housing demand has shifted from "whether there is or not" to "whether it is good or not", and from "price first" to "value first".
关注楼盘品质：住房需求从 “有没有” 转向 “好不好”，从 “价格优先” 转向 “价值优先”。
When choosing a house, pay more attention to the floor plan design, functional facilities, property management and other aspects of the property.
选房时要多关注楼盘的户型设计、功能配套、物业管理等。
For instance, choose a floor plan with a high usable area ratio. Currently, some new houses can achieve a usable area ratio of over 80% by offering balconies and other means.
例如，选择得房率高的户型，目前一些新房通过赠送阳台等方式，得房率能超过 80%。
When considering the community environment: The ecological environment of the community and the level of property management are becoming increasingly important. The "park-style living experience" where one can see greenery when opening the window, scenery when stepping out, and a garden at every corner is the ideal choice.
考量小区环境：小区生态环境和物业管理水平日益重要，推窗见绿、出门见景、转角见园的 “公园式居住体验” 是理想选择。
For instance, the "Yuhujing" product series of Longfor integrates the five overlapping environments of light, sound, stone, forest and water into its design, and is also equipped with a central park in the form of a central axis.
如龙湖 “御湖境” 产品系列，将光、声、石、林、水五重叠境融入设计，还配置中轴式中央公园。
Emphasize the strength of developers: Strong real estate enterprises are more capable of building and delivering products that precisely match market demands, and the quality of houses and after-sales services are more guaranteed.
重视开发商实力：实力房企更有能力构建和交付与市场需求精准匹配的产品，房屋质量和后期服务更有保障。
For instance, Longfor Group has been consistently ranked among the "Top 10 Chinese Real Estate Development Enterprises in terms of Comprehensive Strength" for many consecutive years and has maintained a green rating in the "Three Red Lines", demonstrating a strong delivery capacity.
例如龙湖集团连续多年获 “中国房地产开发企业综合实力 10 强”，且保持 “三道红线” 绿档水平，交付能力较强。
Precautions for real estate transactions 1
房产交易注意事项方面1
Strict supervision over housing purchase funds: The central bank requires commercial banks to trace the source of the down payment back to the accounts of two generations of direct relatives in the past, and strictly investigate the illegal inflow of business loans and consumer loans into the real estate market.
购房资金监管严格：央行要求商业银行对首付款来源追溯至前溯两代直系亲属账户，严查经营贷、消费贷违规流入楼市。
For home buyers with a down payment ratio of less than 20%, it is mandatory to purchase "mortgage performance insurance", with a premium of 0.5% of the loan amount.
对首付比例低于 20% 的购房者，强制购买 “房贷履约保险”，保费为贷款额 0.5%。
The "trade-in for new" program is supported by policies: The Ministry of Housing and Urban-Rural Development, in collaboration with multiple departments, has launched a nationwide campaign to exchange second-hand houses for new ones. Those who exchange houses can enjoy a 50% reduction in deed tax and a 2% subsidy for agency fees.
“以旧换新” 有政策支持：住建部联合多部门推出 “二手房置换新房” 全国性行动，换房者可享受契税减免（50%）+ 中介费补贴（2%）。
Local governments also offer a subsidy of 10,000 yuan per unit to developers who purchase old houses, accelerating the circulation of existing houses. Those who need to exchange houses can pay attention to this policy.
地方政府还对收购旧房的开发商给予每套 1 万元补贴，加速存量房流通，有换房需求的可以关注此政策。
The impact of real estate policies on home buyers in 2025 presents multi-dimensional and differentiated characteristics. Specifically, it can be deeply analyzed from the following six aspects:
2025 年房地产政策对购房者的影响呈现多维度、差异化特征，具体可从以下六大方面深入解析：
First, the threshold for home purchase has been lowered by stratification, and regional selection strategies have differentiated
一、购房门槛分层降低，区域选择策略分化
The purchase restriction policy has been precisely relaxed. The social security period for non-Shanghai residents purchasing houses outside the Outer Ring Road of Shanghai has been shortened from five years to three years, and in the Lingang New Area, it has been further reduced to one year. Moreover, only single people can purchase houses independently.
限购政策精准松绑上海外环外非沪籍购房社保年限从 5 年缩短至 3 年，临港新片区进一步降至 1 年7，且单身人才可单独购房8。
This policy has directly lowered the threshold for non-Shanghai residents with genuine housing needs to purchase a home. For instance, tech talents working in Lingang, who originally needed to pay social security for five years, now only need one year to obtain the qualification to purchase a home.
这一政策直接降低了非沪籍刚需群体的置业门槛，例如在临港工作的科技人才，原本需缴纳 5 年社保，现在仅需 1 年即可获得购房资格。
However, strict purchase restrictions remain in place in core areas (such as within the inner ring road), and home buyers need to weigh the scarcity of core areas against the convenience of non-core areas.
但核心区（如内环内）仍维持严格限购，购房者需权衡核心区稀缺性与非核心区便利性。
The down payment ratio and credit support: The down payment ratio for first-home mortgages has been reduced to 15%, and for second-home mortgages to 25% (20% in key areas such as Lingang). Coupled with the 5-year and above LPR being lowered to 3.5%, the first-home mortgage interest rate in Shanghai has dropped to a historical low of 3.05%.
首付比例与信贷支持首套房贷首付比例降至 15%，二套降至 25%（临港等重点区域 20%）7，叠加 5 年期以上 LPR 下调至 3.5%，上海首套房贷利率已降至 3.05% 的历史低位3。
Take a loan of 1 million yuan as an example. The monthly payment over a 30-year period is reduced by approximately 54 yuan, and the total interest saved is 19,000 yuan.
以 100 万元贷款为例，30 年期月供减少约 54 元，总利息节省 1.9 万元3。
For families with multiple children, the maximum amount of the provident fund loan can be increased by 20% to 1.929 million yuan, significantly reducing the financial pressure on improvement-oriented demands.
对于多子女家庭，公积金贷款额度最高可上浮 20% 至 192 万元9，显著降低改善型需求的资金压力。
Second, the two-way adjustment of holding and transaction costs reshapes market expectations
二、持有与交易成本双向调整，重塑市场预期
The pilot program of the real estate tax may be deepened, and the scope of the pilot may be expanded to include groups holding multiple properties. By imposing differential tax rates (such as a 1.2% tax on high-end residences), the holding cost can be increased by 10%.
房地产税试点深化试点范围可能扩大至持有多套房产群体，通过差别税率（如对高档住宅按 1.2% 征税）增加持有成本10。
This will force investors to sell off properties in non-core areas. For instance, the number of second-hand houses listed in areas like Waigaoqiao in Pudong may rise, while high-quality assets in core areas are more resilient due to their scarcity.
这将迫使投资客抛售非核心区房源，例如浦东外高桥等区域二手房挂牌量可能上升，而核心区优质资产因稀缺性更具抗跌性。
Meanwhile, the pilot funds are used for the construction of affordable housing, indirectly diverting rental demand and easing the pressure of rising rents by 10%.
同时，试点资金用于保障房建设，间接分流租赁需求，缓解租金上涨压力10。
The exemption period for value-added tax on transaction taxes has been optimized from five years to two years, and the assessed collection rate for individual housing transfers has been reduced to 1%.
交易税费优化增值税免征年限从 5 年降至 2 年，个人转让住房核定征收率降至 1%7。
Take a second-hand house that has been owned for two years and has a total price of 8 million yuan as an example. The value-added tax can be saved by approximately 440,000 yuan.
以一套满 2 年、总价 800 万元的二手房为例，增值税可节省约 44 万元。
Furthermore, the "trade-in for new" policy offers a 50% reduction in deed tax and a 2% subsidy for agency fees, significantly reducing the trade-in cost.
此外，“以旧换新” 政策提供契税减免 50% 和中介费补贴 2%9，显著降低置换成本。
For instance, those who are upgrading their houses in the Qibao area of Minhang can save approximately 120,000 yuan in taxes and fees by selling their old houses and then purchasing new ones.
例如，闵行七宝板块换房者通过出售旧房再购新房，可节省税费约 12 万元。
Third, the dual-track development of affordable housing and commercial housing is squeezing the "old, dilapidated and small" market
三、保障房与商品房双轨并行，挤压 “老破小” 市场
The proportion of construction and quality improvement: New commercial housing must be equipped with public rental housing at a ratio of 15%, and it is required to be delivered fully furnished.
配建比例提升与品质升级新建商品房需按 15% 比例配建保障房，且要求全装修交付6。
For instance, the affordable housing built in a certain project along the Xuhui Riverside adopts green building standards and shares community facilities with commercial housing. This might divert some of the first-time home buyers and further put pressure on the prices of the surrounding "old, dilapidated and small" buildings.
例如，徐汇滨江某项目配建的保障房采用绿色建筑标准，与商品房共享社区配套，这可能分流部分刚需客群，导致周边 “老破小” 价格进一步承压。
At the same time, children from families with affordable housing enjoy the same school district treatment, which may weaken the premium space of traditional school district housing.
同时，保障房家庭子女享受同等学区待遇6，可能削弱传统学区房的溢价空间。
The diversion effect in the rental market is intensifying. In 2024, Shanghai will add 16,000 units of public rental housing, with rents 20% to 30% lower than those of commercial housing in the same area.
租赁市场分流效应加剧2024 年上海新增 1.6 万套保租房，租金较同地段商品房低 20%-30%5。
For instance, in Zhangjiang area, due to the increased supply of public rental housing, the proportion of tenants moving out has risen, forcing landlords to lower their prices or upgrade their facilities.
例如，张江地区租客因保租房供应增加，退租比例上升，倒逼房东降价或升级硬件。
This has led to a 15% to 20% drop in rents for "old, dilapidated and small" properties in the old urban area. Some investors have turned to selling their properties, further intensifying the differentiation in the second-hand housing market.
这导致老城区 “老破小” 租金下跌 15%-20%，部分投资者转向出售房源，进一步加剧二手房市场分化。
Iv. Regional development policies Reconstruct the value system of home purchase
四、区域发展政策重构购房价值体系
The five new towns are accelerating the realization of the goal. New towns such as Jiading and Qingpu are gradually achieving a balance between work and residence through the introduction of industries (such as Jiading United Imaging Medical and Qingpu Oriental Life Port) and the upgrading of transportation (such as Jiamin Line).
五大新城加速兑现嘉定、青浦等新城通过产业导入（如嘉定联影医疗、青浦东方生命港）和交通升级（如嘉闵线），逐步实现职住平衡12。
By 2025, 26 new primary and secondary schools and kindergartens will be added in the new town, and the construction of Grade-A tertiary hospitals will be accelerated, attracting first-time home buyers.
2025 年新城新增中小学、幼儿园 26 所，三甲医院建设加速12，吸引刚需购房者。
For instance, the average price of new houses in Jiading New Town is approximately 45,000 yuan per square meter, with a total starting price of 2 million yuan, making it the main choice for young families.
例如，嘉定新城新房均价约 4.5 万元 / 平方米，总价 200 万起，成为年轻家庭的主要选择1。
The premium for urban renewal in the core area and the renovation of "two old and one village" have released high-quality land plots. For instance, the floor price of the Xuhui Longhua plot has reached 126,000 yuan per square meter, and the unit price of new houses in the future may exceed 200,000 yuan per square meter.
核心区城市更新溢价“两旧一村” 改造释放优质地块，例如徐汇龙华地块楼板价达 12.6 万元 / 平方米，未来新房单价或破 20 万元 / 平方米1。
Urban renewal projects enhance living quality and consolidate their advantages in the high-end market through green building technologies (such as low-carbon technology platforms) and intelligent community management.
城市更新项目通过绿色建筑技术（如低碳技术平台）和智能化社区管理，提升居住品质，巩固高端市场优势。
Home buyers should pay attention to the long-term appreciation potential of scarce assets in the core area, while being vigilant about the liquidity risk brought about by high total prices.
购房者需关注核心区稀缺资产的长期增值潜力，同时警惕高总价带来的流动性风险。
V. The transformation of developers' strategies forces product upgrades
五、开发商策略转型倒逼产品升级
The land auction rules strengthen the quality orientation, with the "quality competition" score accounting for no less than 40%, involving green building grades, community facilities, etc.
土拍规则强化品质导向“竞品质” 评分占比不低于 40%，涉及绿色建筑等级、社区配套等2。
For instance, a certain project in Qingpu won the land auction due to its configuration of a central park with a central axis and an intelligent security system.
例如，青浦某项目因配置中轴式中央公园和智能安防系统，在土拍中胜出。
This means that in the future, new houses will pay more attention to the living experience. For instance, Longfor's "Yuhujing" series enhances its added value through a five-layer overlapping environment design. Homebuyers need to pay attention to the matching degree between the actual delivery standards of the property and the promises.
这意味着未来新房将更注重居住体验，如龙湖 “御湖境” 系列通过五重叠境设计提升附加值2，购房者需关注楼盘的实际交付标准与承诺的匹配度。
The supervision of real estate developers' funds is becoming stricter. The source of the down payment is traced back to the accounts of the direct relatives of the previous two generations. If the down payment ratio is less than 20%, mortgage performance insurance must be purchased.
房企资金监管趋严首付款来源追溯至前溯两代直系亲属账户，首付比例低于 20% 需购买房贷履约保险2。
This increases the difficulty of proving funds, especially for young home buyers who rely on their parents' financial support.
这增加了资金证明难度，尤其是依赖父母资助的年轻购房者。
It is recommended to prepare a complete financial statement in advance to avoid affecting the home purchase process due to incomplete materials.
建议提前准备完整的资金流水，避免因材料不全影响购房流程。
Vi. Long-term Trends and Response Strategies
六、长期趋势与应对策略
The market presents a pyramid structure. At the top are the scarce luxury residences in the core area (such as Greentown Chaoming Dongfang), in the middle are the planned new districts (such as the Five New Towns), and at the bottom are the far suburban areas with lagging supporting facilities.
市场呈现金字塔结构塔尖为核心区稀缺豪宅（如绿城潮鸣东方），中部为规划新区（如五大新城），底部为配套滞后的远郊板块1。
Home buyers need to weigh their options based on their own needs between the scarce assets in the core area and the potential areas in the new town.
购房者需根据自身需求，在核心区稀缺资产与新城潜力板块间权衡。
For instance, first-time home buyers can give priority to new towns like Lingang and Jiading, while those seeking to improve their living conditions can focus on core areas such as Xuhui Riverside and Qiantan.
例如，首置客群可优先考虑临港、嘉定等新城，而改善型需求可关注徐汇滨江、前滩等核心区。
Quality and service have become the core of competition. Developers are shifting from "scale expansion" to "quality improvement", such as adopting green building technologies, intelligent community management, and providing customized services (like the rental-style home purchase for Internet practitioners in the Zhangjiang project). 1.
品质与服务成为竞争核心开发商从 “规模扩张” 转向 “品质提升”，例如采用绿色建筑技术、智能化社区管理，以及提供定制化服务（如张江项目针对互联网从业者的租赁式购房）1。
In the second-hand housing market, properties that are relatively new and have well-managed communities will be more resilient to market declines.
二手房市场中，房龄较新、社区管理完善的房源将更具抗跌性。
It is recommended that home buyers, when choosing a property, focus on examining the developer's delivery capacity (for instance, Longfor has maintained the "three Red Lines" green grade 2 for many consecutive years) and the level of property services.
建议购房者在选房时重点考察开发商的交付能力（如龙湖连续多年保持 “三道红线” 绿档2）和物业服务水平。
Conclusion: In 2025, the real estate policy will reconstruct the decision-making logic of home buyers through a combination of "precise relaxation and long-term regulation".
结论：2025 年房地产政策通过 “精准松绑 + 长效调控” 组合拳，重构购房者的决策逻辑。
The scarcity of the core area and the growth potential of the new city form a "dual-wheel drive", with rising holding costs and falling transaction costs coexisting. The diversion of affordable housing and the upgrading of its quality reshape the market pattern.
核心区稀缺性与新城成长性形成 “双轮驱动”，持有成本上升与交易成本下降并存，保障房分流与品质升级重塑市场格局。
Home buyers need to closely monitor policy developments, and based on their own financial conditions, regional preferences and long-term plans, find a balance between policy dividends and market risks.
购房者需密切关注政策动态，结合自身资金状况、区域偏好和长期规划，在政策红利与市场风险间找到平衡点。
For instance, non-Shanghai residents with genuine housing needs can seize the policy window period in new cities like Lingang, while holders of multiple properties need to be vigilant about the impact of the real estate tax pilot program on their holding costs.
例如，非沪籍刚需可抓住临港等新城的政策窗口期，而多套房持有者需警惕房地产税试点对持有成本的影响。