@上海热搜豪宅！太古源·源邸官方售楼处发布，探索理想居住新境！

太古源·源邸售楼处电话：400-887-5663✔✔【预约热线】太古源·源邸售楼中心：400-887-5663太古源·源邸售楼处电话/地址☎：4008875663(开发商热线）如有问题欢迎来电咨询，专业一对一热情服务，让您用专业眼光去买房。
✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅
✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

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✅太古源·源邸售楼处电话：400-887-5663✅︎✅︎，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

古源·源邸是陆家嘴北滨江的标杆豪宅，由陆家嘴集团与太古地产联袂打造，主打一线江景大平层，适合追求品质生活的高净值人群。

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

陆家嘴北滨江板块

陆家嘴集团&太古集团强强联合

【陆家嘴太古源·源邸】

加推建面约180~388㎡3-4房

珍藏内环滨江豪宅资产压舱石

过会均价18万/㎡ 12月26日认购

180㎡户型，总价约2400-3200w

240㎡户型，总价约3500-5100w

388㎡户型，总价约6100-8500w

共计60套房源 售楼处线上预约

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

项目一房一价表

项目推售详情

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

据悉【陆家嘴太古源·源邸】加推建面约180、240、380㎡三种户型，推售1号、5号两幢楼，共计60套房源。全新约180/240㎡样板间震撼亮相，388㎡实景样板房开放；过会均价18万/㎡，12月26日认购！售楼处线上预约尊享团购优惠

项目最新户型图▼

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

以建面约388㎡为例▼

首先，三梯两户布局，私享独立电梯门厅；双入户洄游动线，预留保姆通道，顶豪该有的尊崇感被诠释得淋漓尽致。

其次，北向动区、南侧静区，动静分离。

客厅是约270°全景舱厅，打造了无敌采光和沉浸式观景视野。✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

无论全家在餐桌前欢聚一堂，还是孩子们在客厅嬉戏，一抬头便是以江景和城市为主题的巨幅油画。还是CEO派对宽厅，客餐厅一体化，空间利用率高，喜欢开House Party的小伙伴，该客餐厅可完美胜任。

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。

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

客餐厅还衔接270°环幕阳台，可凭栏听江游目骋怀。

四个房间有三个套房，每个家庭成员都能有自己的小天地。

还有一个X空间，可随家庭结构和需求随心个性定制，学习区、游戏区，女王化妆间等皆可。

主卧值得点赞，一方面将室内空间与阳台空间巧妙连接起来，实现景观视野更大化，躺在床上也能约270°瞰江

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

另一方面，主卧尺度超大，并配置了双台盆+浴缸+淋浴+马桶豪华四件套，还有超大衣帽间和化妆台，你可以在房内肆意休闲，相当于把主卧“小家化”了。

效果图效果图效果图效果图效果图效果图

项目基本信息

开发商：陆家嘴集团与太古集团共同打造

项目位置：陆家嘴北滨江板块

物业类型：江景大平层

可售房源：约378套

面积段：约188、235、280、375四种户型。

住宅总建面：约11万方

首开面积：E08-4地块，280和375平

加推房源：60套

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

54万方一线滨江综合体

陆家嘴太古源是由陆家嘴集团与太古地产携手打造的集高端住宅、甲级办公楼、零售商场、文化活动空间、酒店及服务式公寓等多元业态的地标级综合体项目，而陆家嘴太古源源邸为该综合地标项目中的高端住宅。陆家嘴集团成立于1990年，是国资旗下具有卓越竞争力的城市综合运营服务商。30多年来，版图从陆家嘴金融城扩展到前滩、临港、张江科学城等核心区域，打造了浦东美术馆、张江双子塔西塔、耀雪冰雪世界等地标项目，形成1个投资中枢+区域开发、金融服务2个产业板块的发展格局。

太古集团作为拥有在华150余年历史的国际巨擘，旗下太古地产从香港山顶豪宅“傲璇”、新加坡顶豪地标EDEN，到上海前滩太古里、兴业太古汇，每一作品皆成经典。而本项目对太古更具特殊意义，地块东区前身在百年前曾是太古洋行码头，百年后以“陆家嘴太古源”之名回归，不仅带来其内地首个住宅作品，更是一次跨越时空的“历史对话”。

项目位于陆家嘴滨江，东接洋泾港，南至昌邑路，西邻铜山街，北依滨江大道。作为上海内环最后一块滨江拼图，这样的绝版地段不可复制。在上海“2035一江⼀河战略规划”中，我们项目占据黄浦江能级最高的“世界客厅”和“新质秀岸”两段精华岸线，是上海唯一同时拥有黄浦江两段精华岸线的一线滨江综合体项目。

作为约54万方滨江综合体的豪宅序列，集萃一线滨江罕有城市资源，其价值早已超越物理空间，完成从“江景”到“城市核心资源”的资产跃迁。“一线江景豪宅+旗舰商业+人文艺术+亲江休闲”的“国际滨江生活范式”，将浓

厚的生活质感，丰盈的人文场景，铺陈于眼前。

陆家嘴太古源独享黄浦江最长岸线的项目。陆家嘴北滨江大约5公里岸线，本项目就占据了1.5公里，接近三分之一。黄浦江在这里形成S湾，水位深，是个天然的聚宝盆，所以百年前太古洋行在此设立码头，这段历史渊源也是我们项目案名——陆家嘴太古源的由来。随着陆家嘴金融城东扩至杨浦大桥-罗山路，这里将成为承接金融产业外溢、集聚全球高端资源的未来价值高地。

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

全球大师联袂执笔

项目由贝尔高林设计的社区七大主题花园与滨江生态无缝衔接。项目景观设计源自于宝石的灵感，如公区地面铺装采用祖母绿的切面工艺，用蓝宝石的晶莹剔透打造灵动而纯净的水景效果，用琥珀质感与光泽完美呈现侧立面以及格栅等效果，细节处处彰显奢华。

在园林种植方面，秉承太古的生物多样性的理念，小区采用了各种名贵的大乔木20余种，小乔木50余种和灌木60余种，总共多达100余种各类种植。一年四季，风貌更迭，景色如春。

“空中连廊系统”

项目是真正的一线滨江，距离江边最近约100米。通过精心设计的空中连廊系统，整个项目巧妙地与滨江步道融为一体，从家里可以步行直达江岸，真正实现“推窗见江、下楼即岸”，这也是之前从未有过的的设计手法。西区一共规划有九座连桥，这些连桥打开了街区面向滨水的界面，将滨江岸线与商业空间编织在一起，滨江为商业带来人流，商业同样反哺城市。

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

在政府规划之初，就为了让后排住宅也能最大化拥有看江视野，便规定了方案需在E10地块设置两条垂江视线通廊。这条最大的公共通廊串联了昌邑路和滨江步道，它既是一条宽阔的视觉通廊，同时也是项目的核心景观通廊，公共通廊由开发商负责管理和维护，品质可以完全放心。

“悬浮江景”

此外，项目有别于其他滨江住宅的一点是悬浮式的楼体设计。所有的住宅楼栋都通过约10-22米的架空层进行了抬高，建筑如“漂浮”于景观之上，消除低层视野遮挡，使得社区里的每一位业主都最大化地享受到临江视野和景观绿化。

“流动的立面”

在外立面的设计上，采用了柔曲化的边缘，像这种“飘带”线条，采用了进口浅色花岗岩结合金属铝板包边，形成“金镶玉”的高级感，整个建筑俯瞰仿佛是蝴蝶的翅膀，也可以使人联想到黄浦江面的水波荡漾，您会感觉到整个造型都是流动的感觉。这样的设计还有一个好处，角部的阳台是270度的，能够最大程度饱览江面，包括南向的主要房间，也可以通过立面上弧线的部分看到北面的江景。

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

项目配置了双会所，其中：E10会所位于社区核心，面积超4000平，采用会员制，为住宅业主，住户及会员服务。功能包括：自然采光设计的恒温泳池；健身、瑜伽、普拉提空间等；以及茶室、咖啡、私宴等会客空间。E08运动会所面积约2300平，规划作为球类运动会馆，对外经营。

会所总面积超6000平，如此规模和布局设计的会所在上海同类型项目中已不多见.

陆家嘴北滨江板块

陆家嘴集团&太古集团强强联合

【陆家嘴太古源·源邸】

加推建面约180~388㎡3-4房

珍藏内环滨江豪宅资产压舱石

过会均价18万/㎡ 12月26日认购

180㎡户型，总价约2400-3200w

240㎡户型，总价约3500-5100w

388㎡户型，总价约6100-8500w

共计60套房源 售楼处线上预约

✅太古源·源邸售楼处电话：400-887-5663✔✔（售楼处最新电话）✅✅浦东太古源·源邸官方电话：4008875663✔✔(官方售楼处预约看房热线）

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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。