官方聚焦|和樾长宁官方售楼处发布:中建山水雅境高端居住标准

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎
✅✅越秀招商·和樾长宁营销中心热线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✅和樾长宁售楼处电话：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

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

最新消息，长宁内中环「越秀招商·和樾长宁」三批次即将加推！建面约123㎡三房/146㎡四房，总价约1500万起！

三批次户型图如下：

越秀招商·和樾长宁三批次即将加推！

2号线威宁路地铁站最后一块住宅地块

断供10年·新政后内中环首个无连廊多阳台飞机户型

建面约123/146m²3-4房，总价约1500万起

长宁之上价值恒藏

脱离中环价值逻辑的「非标级资产」

项目位于长宁内中环，周边配套、产品能级、品质装标拉满，未来必将成为长宁区稀缺且顶尖的资产！所以长宁区的房价历史上就是脱离环线的“独立行情”。

以千万级的价格入席天山，可谓拥有超高性价比。相较之下，片区二手房普遍房龄老、装标低，不仅可能存在管道老化、户型过时等问题，还可能有翻新隐性成本，在居住体验、综合价值上均无法与之相比，是预算有限者扎根天山的优质选择。
✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

示意图

百年贵脉当代唯一

被上海珍藏的老钱居住区

从28国领馆的云集之地，到沪上第一个国际住区的诞生；从虹桥枢纽跳动的强劲脉搏，到苏州河畔蜿蜒的生态画廊，长宁始终以先行者的姿态，在历史与未来图景的交织处镌刻着城市文明的独特印记。

示意图

1、土地唯一性：天山路最后一块留白

一条天山路，串联起长宁历史与未来的轴线。长宁区作为上海的“上只角”，新房供应一直非常稀缺。从2015—2024年，10年内长宁新房仅供应1151套房源，只占全市供应的0.1%。过去10年里，土地公开市场长宁仅有4幅涉宅用地出让，合计规划建面只有约12.47万方。天山路板块在近10年基本没有新的住宅用地供应，和樾长宁项目是天山路板块最后的住宅供应，也是长宁内中环断供潮后难得的机会。（数据源自网络，仅供参考）

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）示意图

2、产业唯一性：上海唯一临空经济主权区

上海的产业版图，从未停止更新，尤其偏爱长宁。二十余年前，上海虹桥临空经济园区就已经植入了“数字基因”。上海虹桥临空经济园区成为探索“数字”发展先行先试的园区之一。二十余年间，园区通过多次转型升级、拓展功能，不断做强总部经济、数字经济、航空经济等枢纽经济形态，成为长三角地区首个、上海唯一的国家级临空经济示范区。

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）示意图

3、交通唯一性：拥有上海唯一双机场轨交

“外事客厅”的独一份定位，离不开长宁独一份的国际交通枢纽优势。作为全上海仅有与虹桥机场、高铁站“双枢纽”直接接壤的城区，其核心区域通过轨道交通、快速路网构建起“15分钟国际通勤圈”。

示意图

【北横通道】东西走向黄金动脉,连接了长宁、普陀、静安、黄浦、虹口、杨浦6个行政区，西起中环线（北虹路），东至周家嘴路、内江路，串联起了虹桥枢纽和互联宝地等区域；

【天山路】长宁发展中心轴线，贯通中山公园商圈、天山路商圈、临空经济园区等；

【延安高架】中心城区的重要交通动脉，快速直达静安寺、新天地、人广等商圈；

【中环路】快速通达大宁、五角场、世纪公园、前滩等区域中心；

【内环路】‌快速通达徐汇滨江、陆家嘴、上海站、虹口足球场等经济、文化、商业的核心地带。

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

4、绿化唯一性：诗意栖居，内环最后低密许可证

苏州河沿岸规划的五个特色区段，长宁独占其二，约占外环内苏河岸线的一半。这种资源优势，让长宁在一江一河战略中占据了独特位置。截至2024年末，长宁区以人均公园绿地面积7.6平方米、公园绿地面积528.51万平方米、全区绿化覆盖率34.15%等指标，位居全市中心城区第一。（数据来源：长宁建管、文汇报）

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）示意图

5、国际第一属性：全球客厅，上海国际化的鼎级样本

若论上海的国际化浓度，长宁区堪称当之无愧的“全球会客厅”。从官方人口数据来看：2024年长宁区登记境外人口达8万余人，占全市境外人口总量的1/5以上，远超其他中心城区。尤其是古北、天山、金虹桥所在长宁的中部地区有来自50多个国家和地区的外籍人士，形成了“小联合国”式的居住格局。（数据来源：上海长宁）

国际长宁和樾答案

先锋系列产品理念

立于城市稀贵土地之上，和樾长宁以先锋系列产品，迭新长宁封面。和樾长宁联袂全球大师团队，溯源邬达克经典建筑，复刻Art Deco国际风范，在柔美曲线与石库门意象的交融中，淬炼出独具海派神韵的当代地标天际线。

示意图

【芯片化更新|复合国际社区】

直面都市核心的土地稀缺命题，和樾长宁以城市微缩单元，社区芯片化更新破局。巧妙织就口袋公园、摩登商业、下沉会所及架空层配套于一体的新一代国际社区，让每一块空间都如同一个独立的“芯片”，既能独立运作，又能与周围的城市生态相互连接，在退让中实现共生共荣，推动生活方式的革新。

建筑创新双曲超弧立面设计，以弧形阳台致敬百年海派文化，让线条在光影中优雅流动，勾勒出世纪美学的当代画卷。

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）效果图

【生态重塑|专享公园特权】

和樾长宁打破平面做景观绿化的局限，以“生态重塑”重构市芯人居自然感。

景观设计汲取斯卡帕大师灵感，以垂直立体叠级造景，实现口袋公园与外部约18万方苏河生态的“内外三园”自然渗透。

从苏河源头的潺潺水流，到社区门前四季常青的口袋公园，再到约3900㎡的立体景观规划，和樾长宁把城市 "绿肺" 从河岸延伸至空中，以几何级的绿植覆盖打造垂直绿化体系，让居者私享都市中的公园生活特权。

针对出入归家大堂的不同人群，和樾长宁规划地上七重归家礼序+地下四重尊崇归家，双归家动线，递进精致美学之旅。

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）效果图

【能量共生|完备国际志趣】

和樾长宁洞察每一位居者的内在节奏，项目将不同兴趣、文化背景的圈层，通过分龄分时的社区空间，柔性连接，优雅共处，打造“日不落”国际商业街区、艺术休闲架空层、高端运动会所等配套，重新定义社区多元生活方式。

建筑面积约1200 ㎡街区潮流商业，规划智慧集市、日咖夜酒、生活服务等配套社商，融入自然、餐饮、娱乐等元素,激活社区商业氛围，营造24H全时国际街区，让业主在购物之余享受文化熏陶与社交乐趣。

高级运动主题会所内，划分室内高尔夫球场、斯诺克球台、专业健身空间等功能区域，为业主提供沉浸式社交场景与奢适运动体验。

效果图

艺术教育架空层，针对每一个家庭角色全龄定制功能区，太太的下午茶室、心流舱、儿童的艺术画廊、趣味图书空间……通过林荫步道串联植物景观园，让人与自然、人与人、人与万物,在此实现真正的共生共息。
✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

效果图

【独家定制｜塑造呼吸中的国际日常】

细节无处不在，超大南向面宽，让阳光洒满每一个角落，光幕设计赋予家居更温暖的生命力。餐边巧妙设置1㎡咖啡吧，精心挑选咖啡机与咖啡柜，让每一杯咖啡都充满仪式感，独属于您的私人时光。精致的国际艺术精装，嘉格纳等一线品牌装标加持，尽显品位与格调。而全方位智能系统的引入，让生活更聪明，带来前所未有的便捷体验，提升每一刻的舒适与享受。

实景图

独家定制断代产品

新政之后难得高实得品质户型

伴随房地产行业从“快字当头”转向“好字优先” 的全新阶段，越秀地产的“4×4好产品理念”应运而生。在上海及国家层面连发住宅新政的背景下：和樾长宁打造了堪称王者的神户型，3个关键动作：3阳台，南向最多2个阳台，北向1个阳台，上海中环内首个3阳台项目；无连廊，每一个户型做到南北通透；类一梯一户，每一个户型都做了采光电梯厅空间。

项目建面约123㎡3房，属于非常经典的飞机户型。

三开间朝南+LDKB一体化+主卧大套房+南北双阳台，整体的尺度感和舒适度，几乎没有竞品。

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

建面约143㎡的4房户型，类一梯一户的设计，每一户都有一个面积约8㎡的独立采光电梯厅空间；四开间朝南+大宽厅，采光效果爆棚；通过LDKB一体化设计，形成一个近50㎡的客餐厅空间，极大提升空间场景的可能性；卧室也采用了酒店化套房设计，主卧贯穿南北套房设计，南北皆有飘窗。

除此之外，在精装品质上同样是引领超配，全一线豪宅阵容！

三大件直接上硬货，大金空调地暖两联供、百朗新风系统，一年四季舒适如春；

厨房采用嘉格纳四件套，定制威乃达橱柜；

卫浴方面，采用唯宝台盆和智能马桶、高仪龙头、科勒镜柜，契合高净值人群品质所需。

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

坚定布局上海核心板块、不复制只定制的产品设计逻辑、精细化的操盘打法，越秀在上海的高端市场，已经流露出了强悍的制霸能力。

越秀招商·和樾长宁三批次即将加推！

2号线威宁路地铁站最后一块住宅地块

断供10年·新政后内中环首个无连廊多阳台飞机户型

建面约123/146m²3-4房，总价约1500万起

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线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。

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

✅和樾长宁售楼处电话：400-8558-224✅︎✅︎✅

✅越秀招商·和樾长宁营销中心热线4008558224（官方预约看房热线）

和樾长宁售楼处电话：400-8558-224【售楼中心热线】和樾长宁营销中心热线4008558224和樾长宁售楼处地址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，欢迎提前预约拨打和樾长宁售楼处电话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。