官方聚焦|前滩滨江道官方售楼处发布:前滩滨江道以品质铸就传奇!

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎
✅✅前滩滨江道营销中心热线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✅前滩滨江道售楼处电话：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

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

重磅！前滩滨江道已过会，首推建面约89-153㎡3-4房，均价116541元/㎡，预计下周认购！

项目很火爆！示范区首开周末便迎来爆发式人气，3天累计来访量高达600余组。

在当下的市场环境中，能达成如此量级的到访数据，实属罕见，这不仅印证了项目的火爆程度，更显示了市场对前滩滨江国际住区价值的认可，以及对项目本身品质的期待。

实景究竟藏着怎样的魅力？先上几张实拍图！

不得不说，陆家嘴集团是一家很稳健的开发商，不同于多数项目“先售房后造景”的模式，项目已提前呈现大量立面、园林细节，力求让购房者“所见即所得”。

建筑采用海派风格，以铝板、石材、玻璃、陶板、真石漆等材质，融合三段式、塔冠等经典元素，厚重中透着灵动。

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

园林以多重景观点缀生活场景：

浮岛花园的水面采用华尔道夫同款幻影蓝天然石材铺就，阳光洒落时石面闪着细碎蓝光；搭配普拉达绿石材立面与叠水工艺，尽显滨水灵动气质。

作为未来主入口的水畔之汀，则以海派弧形收边延续建筑风格，幻影蓝流水墙、普拉达绿景墙与奢金影灯形成撞色视觉焦点，中央更移植了百年桩景红果冬青与进口红枫，一步一景间皆是仪式感。

示范区实拍图

...✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

更多实景细节仍需亲身体验，大家不妨前往示范区实地探访。

今天我更想和大家分享的是，近期虽有不少豪宅集中过会，年末购房选择面看似宽泛，但在我参观前滩滨江道时，却发现许多客户甘愿为它等待。其中一位客户的话令人印象深刻：“有些房子有钱一定能买到，但有的房子却要讲究机遇。”

这句话点出了前滩滨江道的核心价值，其机遇性与稀缺性堪称独一份：

机遇1：绝版滨江全面积段——项目户型丰富，尤其99㎡3房瞰江低密户型，以千万级门槛入住市区核心滨江，这样的机会已近乎绝迹；

机遇2：高性价比4房——滨江4房普遍190㎡起步，而项目129㎡4房不仅总价可控，更以四叶草设计实现空间利用率与居住舒适度的平衡；

机遇3：带洋房的低密社区——这在市区核心滨江几乎不会再有，为居住保留了难得的低密质感；

机遇4：湾区生活体验——市区核心滨江罕见的湾区，通过引水入湾打造宜居社区、办公集群、公共聚场三层空间，家门口就是国际化滨水综合体；

机遇5：成片开发收官之作——前滩中央商务区的成功早已印证陆家嘴集团的成片开发实力，而前滩滨江道作为陆家嘴集团前滩滨江国际住区的收官之作，同样以“成片开发”呈现，品质有保障。

前滩滨江国际住区示意图

核心滨江永立潮头

前滩滨江道，有绝版滨江全面积段户型

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

今年新房的主题是“地王多，涨价”，但我想说，当市场普涨时，都是为滨江豪宅做嫁衣。

道理很简单，黄浦江岸线有限，能直面江景的住宅用地卖一块少一块，这种稀缺性决定了一线滨江资产的“硬通货”属性。

一方面，滨江住宅的超强溢价能力，从来都是上海楼市的“黄金定律”。

另一方面，上海近期连续有滨江房源近30万/㎡单价成交，从滨江凯旋门、绿城潮鸣东方到金陵华庭，此类高总价房源均顺利成交，丝毫未受高价影响。

这一现象背后，是高净值人群对“一江一河”稀缺性与成长潜力的坚定看好。

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

对他们而言，江景不仅是窗前的风景，更是资产抗风险能力的“压舱石”——在资产配置需求升级的当下，占据城市核心资源的房产，远比普通住宅更具保值力。

而前滩滨江道难得之处，一是无可替代的核心滨江占位。

浦西核心滨江段，黄浦、徐汇的住宅开发早已饱和；虹口、杨浦的江畔多为商办用地与大厂，住宅普遍远离江岸，难享一线视野。

依据目前已公布的黄浦江两岸的用地规划图整理

浦东核心滨江的住宅同样以现有项目为主，增量极其稀少，前滩滨江道正是这片黄金岸线上“最后之一”的滨江住宅，错过便真的错失。

二是它占据火爆的艺文智岸段。

这段江的价值已在新房市场强势兑现。作为上海滨江价值高地，徐汇滨江房价冲击20万/㎡，涨幅稳居榜首；前滩滨江国际住区的前滩公馆更是创下六开六捷的热销传奇，片区楼市热度居高不下。

而艺术与文娱，正是这条滨江带的核心发展引擎。未来，前滩滨江超级完整体将与徐汇滨江实现跨江战略联动，深度融合艺术、潮流与时尚基因，重塑上海滨江居住格局，这片江岸的价值潜力不言而喻。

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

三是在于它有绝版滨江全面积段户型。

如今置业市区核心滨江新房有三大痛点：

一是户型大面积化，起步普遍120㎡，百平米3房几乎绝迹，门槛太高；

二是江景全部让渡给大户型；

三是4房面积跨度太大，190㎡起步比比皆是。

前滩滨江道弥补了市场大空白：

项目户型丰富，有绝版滨江全面积段，尤其建面约99㎡3房瞰江低密户型，预计总价千万级；而129㎡四叶草4房以优越户型设计与可控总价，成为改善家庭优选。

划重点，129㎡4房整盘只有62套，要知道，滨江板块同面积段产品，大多为了保障江景视野而牺牲功能性，普遍只做3房设计。

未来竞争格局就是稀缺4房vs海量3房，前滩滨江道129㎡4房更容易走出独立行情，保值属性更强。

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

值得一提，129㎡4房部分还是洋房业态，滨江洋房可太稀缺了。

别说新房几乎不会再有；二手房层面，链家约9万套挂牌房源，房龄10年内的滨江洋房挂牌只有2套。

这本质就是洋房臻稀，但我们也能看到业主的惜售，他们知道卖掉后买不到更好的。

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

核心滨江更值得期待的四叶草4房！

核心滨江楼市，户型是决胜关键，因为很多项目的户型为了江景牺牲功能性或者南北通透。

而前滩滨江道将居住舒适度与功能性平衡得恰到好处。

建面约129㎡4房：四叶草布局，核心滨江完美4房

1、四叶草布局：私密感满满

市面多数4房房间扎堆，次卫声响易干扰相邻空间，私密性欠佳。而该户型以经典四叶草布局，将四房分置四角，形成独立居住单元，互不干扰。

尤其适合多代同堂，长辈作息与年轻人互不影响，让每位家人都能自在休憩。

样板间实拍

2、无连廊飞机户型：真南北通透

项目全系无连廊，既让建筑立面简洁大气，更避免了连廊遮挡北向采光、泄露隐私的问题，实现真正南北通透。

厨房、餐客厅、阳台形成直线通风廊道，搭配三开间朝南格局，阳光满溢室内，彻底告别潮湿阴暗。

样板间实拍

餐厅空间宽敞，能放下6人桌，大家庭聚餐其乐融融。

样板间实拍

3、独立景观阳台：承载海派慢生活

阳台是居家刚需，但不少滨江户型为凑面积将其纳入室内，错失观景机会。

前滩滨江道则在客餐厅足够宽敞的前提下，保留独立景观阳台，晾晒、养花、观景互不耽误，为前滩湾的海派慢生活提供专属空间。

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

样板间实拍

同时，南向双卧的房门均靠近阳台设置，既保证了客餐厅区域无法直视卧室内景，强化私密感，又让卧室与阳台快速衔接。

4、南向“双主卧舒适度”：居住平权更贴心

户型在南向空间规划上尽显用心，实现“双主卧级”舒适体验，让家庭成员享受居住平权。主卧采用套房设计，独立卫浴加持，私密与便捷兼具。

南向房间空间充裕，灵活性高——可参照样板间打造超大衣帽间，满足收纳需求；即便作为卧室使用，仍能预留出宽敞衣帽间区域。

样板间实拍

附看房视频：

建面约139㎡3房：滨江百变户型

核心亮点在于极高的灵活性，餐厅北侧的房间可根据家庭需求改造，可以是工作室、书房、儿童游乐间等，满足不同生活场景的切换需求，比固定4房更灵活。

不需要4个固定房间的家庭，可重点关注该户型。

建面约153㎡4房：极致观景户型，西瞰江景，东瞰公园景

153㎡西边套将核心江景面全赋予阳台，会客、聚餐时，江景便是背景；东边套则看公园景，推窗即揽满目绿意。

采光与收纳同样出色，三开间朝南延伸出三房朝南设计；更标配同级别少见的独立储藏间，换季物品、生活杂物皆能妥善收纳。

4房格局兼顾功能性与成长性，二胎家庭、三代同堂都能轻松承载。

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

另外，装修细节也尽显开发商匠心。

管中窥豹，入户处采用天然贝母拼接门牌，开门即见精致，归家仪式感瞬间拉满。

雪山蓝奢石及岩板被广泛应用于电视机背景墙与卫生间，自然纹理与细腻质感兼具；129㎡户型的餐边柜更是以一整面木饰面交付，且特意做了圆弧处理，虽工艺费料，却让空间线条更柔和美观。

样板间实拍

引水入湾，打造国际滨水综合体

国际化日常触手可及

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线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。

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

除稀缺江景和爆款户型外，我看好前滩滨江道的一个重要原因是它不仅是一次住宅供给，更是对上海滨江居住形态的一次关键迭代。

过往滨江住宅“以景观为核心”，而前滩滨江道打破桎梏，构建起“以生活为中心”的全新范式。

这场迭代重新定义了“亲水”。

长久以来，滨江居住的痛点在于“江景只供远观”，多数房源难以触及亲水体验。而陆家嘴集团以“引水入湾”的造城魄力，将黄浦江三级水质的活水引入湾区内部，打造出贯通江与湾的生态水系。

项目效果图，仅供参考，以实际交付为准

即便小区部分非江景房源，推窗也能望见灵动水景，实现“虽非临江，却胜似临江”的居住体验。

更有水上航线穿梭江湾绿洲，骑行道、漫步道与水道织就三重水岸环道，晨跑、泛舟、观景皆可随心切换，让“沉浸式亲江”融入日常。

项目效果图，仅供参考，以实际交付为准

迭代的深度，则体现在生活场景的全面落地。为了让滨江生活更具质感，陆家嘴集团特邀Foster+ Partners+gad等全球顶尖设计大师操刀规划，以衡复“小街区、密路网”为蓝本，将商办集群、滨水商业、生态绿地与海派住区无缝融合。

同时采用“地面少车化、地下交通通达化”设计，搭建起步行友好的漫游系统，让日常出行成为穿越风景的惬意旅程。

走出社区，“日咖夜酒”的烟火气、滨水餐厅的落日余晖、水上运动俱乐部的活力，构成24小时摩登生活图景。

项目效果图，仅供参考，以实际交付为准

别忘了，这片湾区与前滩中央商务区本就一体，目前前滩太古里的潮流奢牌、惠灵顿学校的国际化教育、东方体育中心的文体资源，以及约95%入驻率的写字楼与约60家跨国公司地区总部，共同搭建起“工作+生活+休闲”的完整闭环。

前滩太古里实景图

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

更重要的是，前滩今年1-11月二手房成交量同比大涨74%，成为与新天地、徐汇滨江并肩的抗跌锚点。

这份坚挺，源于陆家嘴集团“成片开发”的远见——统一规划避免了零散开发的资源割裂，让江景、水景、商业、产业价值持续叠加。

而项目所在的前滩滨江国际住区，是上海主城罕见成片开发区域，陆家嘴集团延续了过往“整片规划、整片开发”的成功经验，对这片土地进行统一操盘，未来可期。

陆家嘴集团前滩滨江国际住区收官之作

前滩滨江道 已过会

预计下周认购

将推出建面约129㎡四叶草4房神户型

还有为江景而生的建面约153㎡4房

及核心滨江绝无仅有的瞰江99㎡3房

示范区、样板房已开放

✅前滩滨江道售楼处电话：400-8558-224✅︎✅︎✅

✅前滩滨江道营销中心热线4008558224（官方预约看房热线）

前滩滨江道售楼处电话：400-8558-224【售楼中心热线】前滩滨江道营销中心热线4008558224前滩滨江道售楼处地址400_855_8224，楼盘项目全面介绍，本电话为开发商提供线上预约售楼电话，楼盘项目全面介绍（包含楼盘简介，均价，房价，现房，期房，别墅，叠墅，大平层，价格，楼盘地址，户型图，交通规划，备案价，备案名，项目配套，样板间，开盘时间，认筹时间，楼盘详情，售楼处电话，最新消息，最新详情，周边配套，一房一价，最新进展等详情咨询）楼盘详情丨价格丨更多优惠丨机不可失丨欢迎致电丨诚邀品鉴！售楼处位置丨特价房丨工抵房丨剩余房源丨户型图丨最新消息丨免责声明：将文章内容综合来源于网络、只作分享，版权归原作者所有！！如有侵权，请联系我们，我们第一时间处理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。如果您想了解更多楼盘详情，欢迎提前预约拨打前滩滨江道售楼处电话400-855-8224

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。