保利·虹桥和著售楼处官方网站-保利·虹桥和著楼盘百科-上海房天下

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅
✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）

看房请务必致电与销售确认时间，仅预约客户可享受开发商内部优惠，专属老带新推荐奖！

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

作为备受瞩目的“地铁红盘”，保利·虹桥和著以“地铁口+名校旁+全维实景”三重优势，长期稳居热销榜单，成为购房者口中的“闭眼入红盘”。

恰逢双11全民嗨购季，保利·虹桥和著不仅以“所见即所得”的全维实景兑现给足安心，更重磅推出“六重心愿包”超值福利，一场集“好房、好礼、好价”的超享好房节正式启幕，为上海改善客群送上诚意之选。

上海改善党注意！

随着全国新政密集落地，2026楼市利好持续释放：降息、降首付、降个税！这一套政策“组合拳”下来，购房成本再次减少，新春置业良机真的来了！

保利·虹桥和著作为上海不可多得的地铁红盘，凭借“地铁口+名校旁+准现房+大品牌”四大硬核价值，持续领跑区域成交热榜，成为改善客群的共识之选。

值此新春佳节来临之际，为致谢市场厚爱，项目重磅启幕“春风有信”新春专项活动，以“好房、好价、好礼”的硬核福利，敬献上海改善客群，诚意满满，不容错过！✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）

上虹桥加速兑现

未来已来，国际社区宜居宜业

作为长三角一体化与虹桥国际开放枢纽战略交汇的重要节点，上虹桥城市更新区正以“三年有样、五年出形、八年成城”的清晰节奏高速推进：

整体规划“东产西城：功能分区明确，产城融合共生。东区（约1400亩）：聚焦商务研发，打造产业高地；西区（约1100亩）：对标古北、碧云，倾力打造 新一代国际人文社区。其中，一期建筑规模总量约108万方，城市更新正不断加速。

(示意图）

保利·虹桥和著作为西区国际社区的首发封面之作，不仅开启板块人居新篇章，更将同步享受区域配套加速兑现的超级红利：

交通优势碾压同级：14 号线地铁口，更近市心繁华

14号线和嘉闵线（在建中）双轨交汇，3站虹桥枢纽，5站普陀，一脉静安。距14号线地铁口仅约200米，步行2分钟即达。作为始发站，通勤有位，30分钟直达静安寺，45分钟抵达陆家嘴。同时相较沿线动辄10万+的房价，本项目“5”字头单价，堪称“外环外的预算，中环级的享受”。

（示意图）

教育高地逐步成型：双名校+大学城规划，全龄教育无忧

项目周边已签约上师大附属九年一贯制学校（规划中）与上师大附属幼儿园（规划中），其中上师大附属九年一贯制学校已完成立项批复，预计2027年开工，力争2028学年开启招生；WLSA上海国际学校第三校区落子上虹桥（规划中），或于2026-2027年投入使用，还将引入1所幼儿园（规划中），全龄优质教育矩阵逐步成型；虹桥国际中央商务区专项规划中，“江桥大学城” 规划曝光，片区能级再跃迁，将推进板块教育、产业、人口导等蓬勃发展。

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）（上师大附属九年一贯制学校概念效果图）

生态住区渐成现实：绿野谷示范段实景展示，居住自然为邻

绿野谷：约200亩生态绿廊加速建设，目前一期示范段实景呈现，二期建设工作正在推进；U型廊：约150亩迎虹湖（规划中）；一字川：约1700米滨河水岸（规划中）；最美归家路：城市风景一路串联（规划中），构建纽约中央公园般的自然奢享。

（绿野谷实景图）

商业活力多维覆盖：从日常购物到高阶休闲，缤纷生活日常

约1.5公里维乐城+“龙湖欢肆”商业街区；约3.5公里江桥万达广场+南翔印象城MEGA；板块内将打造约1.4万方社区商业（规划中）、上虹桥东区约7.6万方万佛寺特色文化商业街区（规划中），充满烟火气的丰富生活延伸，满足从日常购物到高端消费的全维度需求。

（龙湖欢肆效果合成图）

央企准现房

全维实景兑现，美好生活超前体验

买房最看重“兑现力”，而和著用“所见即所得”的产品兑现力，不断点燃市场的期盼。

如今项目全维实景已完整呈现，从社区入口到归家动线，每一处都尽显央企匠心：

社区入口，百米酒店式落客门庭、超60年树龄铁冬青打造的“大树聚场”、潘多拉发光奢石拼花的“躺平水院”，是家人休憩、邻里小聚的好去处；

社区楼下，架空层多元活动空间实景兑现，书吧、儿童乐园、健身区一应俱全，让社交与休闲无需远行；

此外，央景草坪松弛自在，全龄段社交场景在此上演；精奢地库，采用琥珀冰晶岩板、仿鎏金纹理碳晶板等奢感材质，归家的尊崇仪式感拉满。

在这里，无论是清晨的健身锻炼，午后带孩子的玩耍，傍晚与邻居的阅读交流，还是周末的小型聚会，都能轻松实现，让人们在生态、开放、便捷的环境中回归轻松友好的氛围，重新找回邻里之间美好社交体验。

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）

（实景图，以实际交付为主）

年度红盘爆款户型告急！

104㎡清盘在即，128㎡压轴抢藏

作为上海改善市场的“流量担当”，项目两款明星户型堪称“闭眼入”首选，如今席位告急，分秒递减：

580万级104㎡舒居 3 房：收官倒计时！

市场公认的“性价比之王”，经典飞机户型让空间利用率拉满，家人居住互不干扰；10.3 米南向大面宽+ 5大飘窗+宽景阳台，采光通风无敌；6-8㎡入户门厅+多重收纳空间，日常杂物轻松收纳。目前已进入清盘阶段，最后臻席，手慢无！

（户型示意图）

（创意样板间实拍图）

700万级奢阔128㎡，稀缺地铁口4房！

地铁口在售4房本就少见，这款“小豪宅”更是自带高光：类一梯一户尊享入户门厅，归家仪式感拉满；13米南向大面宽+四开间朝南，阳光洒满全屋；LDKG 一体化大通厅+U 型宽境厨房，承包家庭欢聚时光；主卧270°飘窗+南北通透大套房，舒适度与身份感兼备，绝对是二胎家庭与三代同堂的不二之选！

（户型示意图）

（创意样板间实拍图）

高配精装与智能配置，居住更舒适！

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）

日立中央空调+地暖两联供、迈迪龙新风系统保障舒适；唯宝台盆、高仪龙头、主卫科勒智能马桶彰显品质；水离子杀菌、智能家居系统+保利智家APP远程操控，科技感拉满，细节控直呼满足！

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅

✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）

全维实景兑现

共鉴理想家的模样

目前项目全维实景已兑现，保利硬核实力看得见！

不同于多数项目“纸上画蓝图”，和著已将理想家的模样完整呈现，让“归家即享诗意”不再是口号。

社区内，大树聚场是孩子追逐嬉戏的欢乐天地；躺平水院是家人午后闲谈、邻里小聚的温馨空间；

架空层打造多元活动空间，楼下书吧随时为阅读爱好者提供“精神充电站”，儿童乐园用安全设计守护孩子的童年，近在咫尺的健身空间让“坚持运动”不再因距离而妥协。

（架空层实景图）

（架空层实景图）

（示范区实景图）

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅

✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）

央景草坪，不仅带来四季更迭的景致，更承载全龄社交场景—— 孩子在此奔跑撒欢，老人在此散步小憩，年轻人在此野餐、运动，生活的温度与从容在此尽显。

（央景草坪实景图）

精奢地库，以极致匠心雕琢，演绎归家的尊崇仪式感。

从社区入口到归家动线，再到公共休闲空间，每一处都实现“所见即所得”，保利的兑现力肉眼可见，购房更安心。

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）（B1车行入口景墙实景合成图）

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅

✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）（B1实景合成图）

上虹桥加速兑现

板块红利持续释放

保利·虹桥和著所在的上虹桥板块，其发展和兑现速度远超很多人预期。

“三年有样、五年出形、八年成城”，这里正朝着“新一代国际社区”的目标稳步推进。

1. 交通：14 号线地铁口，更近市中心

距14号线地铁口仅约200米。作为始发站，通勤有位。同时相较沿线动辄10万+的房价，本项目“5”字头单价，堪称“外环外的预算，中环级的享受”！

（示意图）

2. 教育：双名校+大学城规划，教育高地雏形已现

项目周边已签约上师大九年一贯制学校与上师大附属幼儿园（规划中），其中九年一贯制学校概念设计方案出炉，计划2025年完成项目建议书批复；WLSA上海国际学校第三校区落子上虹桥，或于2026-2027年投入使用，还将引入1所幼儿园（规划中），全龄优质教育矩阵逐步成型；虹桥国际中央商务区专项规划中，“江桥大学城”规划曝光，片区能级再跃迁，将推进板块教育、产业、人口导等蓬勃发展！

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅

✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）（上师大九年一贯制学校概念效果图）

3. 生态：绿野谷示范段实景展示，生态住区渐成现实

绿野谷：约1500米/200亩生态绿廊正加速建设，目前一期示范段已实景呈现，二期建设前期工作也已启动，并形成实施方案，计划年内实施；

U型廊：约150亩迎虹湖（规划中）、一字川：约1700米滨河水岸（规划中）和最美归家路：城市风景一路串联（规划中），构建纽约中央公园般的自然奢享。

（绿野谷实景图）

4. 商业：从日常购物到高阶休闲，商业活力多维覆盖

约1.5公里维乐城、“龙湖欢肆”已盛大开业；约3.5公里江桥万达广场、南翔印象城MEGA；板块内将打造约1.4万方社区商业（规划中）、上虹桥东区约7.6万方万佛寺特色文化商业街区（规划中），充满烟火气的丰富生活延伸，满足从日常购物到高端消费的全维度需求。

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅

✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）（龙湖欢肆效果合成图）

爆款明星户型

改善生活一步到位

550万级精致104㎡3房，成就品质生活

104㎡户型是项目的明星产品，可谓是市场上的“爆款”。

飞机户型的空间排布，空间充裕但不浪费，将每一平米更大化利用，家人居住也互不干扰；南向面宽达10.3米，通风好采光佳；客餐厅空间足够容纳六人餐桌，再搭配玄关柜、餐边柜、橱柜、镜柜等多重收纳空间，大大提升居住的舒适性。除此以外，5大飘窗+宽景阳台+6-8平的入户门厅这一套组合下来，室内空间大大延伸和拓展，居住的舒适性直接拉满，简直不要太划算！

（户型示意图）

（104创意样板间实拍图）

700万级奢阔128㎡，稀缺地铁口4房

建面约128㎡户型，是当之无愧的小豪宅。

地铁口在售四房本就极其稀缺，更何况该户型设计还非常亮眼：类一梯一户，奢享归家的尊崇与静谧；四开间朝南+约13米南向大面宽，尽可能将更多阳光引入室内；经典飞机户型，合而不扰，家人各得其乐；LDKG一体化大通厅，成就一家人的欢乐聚场；U型宽境厨房，烹饪幸福滋味；主卧270度飘窗+南北通透大套房设计，同级别户型中也十分罕见，充分满足舒适度和身份感。

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅

✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）

（户型示意图）

128创意样板间实拍图）

✅保利·虹桥和著售楼处电话：400-8558-224✅︎✅︎✅

✅保利·虹桥和著营销中心热线4008558224（官方预约看房热线）

规整的棱角、动线与转向，为空间注入克制之美。整体看来，家被视作一个有机整体，诸多巧思无需言说，静待生活去探寻与解读。

西厨区域的设计展现了现代住宅的智慧。嵌入式电器与隐藏式收纳系统完美融入墙面，保持了视觉的纯粹性。延伸的岛台不仅拓展了操作空间，更成为连接客厅的社交纽带。

黑色岩板台面与整体色调形成戏剧性对比，赋予空间沉稳的质感。

餐厅区域的设计独具匠心。设计师巧妙利用转角空间，通过木质餐椅与大理石地面的材质对话，营造出温馨的用餐氛围。区域尺度经过精确计算，既保证了使用的舒适性，又维持了整体的开放感。

空间中的艺术细节值得玩味。墙面精心设计的线性凹槽，角落陈列的雕塑作品，这些看似随性的点缀实则经过严密推敲。它们以微妙的介入方式，为简约的空间注入了生动的韵律。

主卧延续了整体的设计语言。墨绿色悬浮床头的设计既满足收纳需求，又成为空间的视觉焦点。对称的布局营造出安定的休憩氛围，而悬空的置物板则展现了现代设计对实用美学的追求。

卫浴空间通过材质对比诠释私密性。黑曜石台面与暖色光源的搭配，创造出既沉稳又舒适的使用体验。干湿分离的布局，配合隐藏式排水系统，将功能性提升至艺术层面。

这个项目重新定义了大平层的价值。它不再单纯追求物理尺度的展示，而是通过精妙的空间组织和材质运用，创造出真正符合当代生活需求的居住体验。每个区域都经过精心设计，既保持独立性，又构成有机整体。

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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。