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✅华润望云润玺院营销中心热线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！

华润望云润玺院是华润置地在杭州云城核心区打造的高端住宅项目，定位为“城市塔尖圈层新聚场”，融合法式优雅与东方禅意美学，主打低密叠墅和大平层产品。以下是项目核心信息：

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✅华润望云润玺院售楼处电话：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

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

项目概况

位置：余杭区云城核心区，龙舟北路与云门大街交汇处，距杭州西站枢纽约600米，毗邻云门公园（在建）和云城天街（在建）

产品类型：包含叠墅（252-289㎡）和180㎡大平层，容积率仅2.1，为云城首个低密墅区。

价格：大平层均价约39023元/㎡，总价约600万级。

核心亮点

设计团队：由GOA大象设计、JTL加特林景观、CCD等国际团队操刀，采用“东方巴黎”风格，融合艺术拼接、法式浮框等工艺。

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

配套资源：

交通：地铁3/12/19号线（在建），高铁西站枢纽

商业：云城天街（在建）、西站综合体

教育：天元公学西站校区等

精装标准：配置博世厨电、汉斯格雅卫浴、全屋智能系统等。

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

2025年8月28日实景示范区开放，展示叠墅产品。

180㎡大平层为压轴房源，仅80套

华润置地，在杭州第三中心C位，打造了媲美排屋的叠墅：「望云润玺院」。总价千万级，也是置业热土云城目前唯一的叠墅孤品，非常稀有！

（项目效果图过程稿）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

杭州未来十年看云城

约399米金钥匙旁，熊猫级墅居藏品

目前，科创产业已上升为国家发展战略。

在杭州何以承载这一重任？答案：非「未来科技城+云城」组成的第三中心莫属。

作为杭州数字经济中心，是未来经济的“超现实试验场”，后续还将发力人工智能AI+、算力集群、芯片制造、低空经济、人形机器人等，代表杭州跻身世界竞争。

而云城，在「产业、经济发展、城市价值」上，都是杭州充满想象的发展极。「规划强+站位高+兑现快」，也是云城给人的第一印象！

（云城实景图，来源于：余杭发布）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

城市级地标的身份象征

望云润玺院所在的云城核心，历经五年建设，西站已经运营，约320米杭州第二高楼“金手指”等皆已突破250米大关，CD塔楼已封顶。

（杭州西站综合体效果图，源自：杭州西站枢纽官微）

（金手指幕墙实景图）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

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还有浙大校友企业总部经济园二期、浙大人才大厦等超百米摩天大楼已超过15座……云城核心建设速度惊人，天际线初步成形，“地标效应”拉满，已开启由“站”到“城”的蝶变。

（浙江大学校友企业总部经济园）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

更难得的是，项目直线距离约100米处的云门公园，整体建设也按下“加速键”，“云眼”“中央绿谷”施工现场机械轰鸣、一派火热。光看效果图，犹如纽约的中央公园！

（云门公园效果图，源自：余杭发布）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

要知道，在钢筋森林构成的CBD都市，一座生态公园往往会起到两种重塑作用。

一是「价值拉动」效应，公园越大、地段越中心，拉动越明显！

比如，纽约中央公园建成的15年里，公园周边地价上涨了9倍之多；伦敦海德公园旁边的公寓，曾创下单套1.62亿欧元的天价。（信息来源：同花顺财经）

数字背后的底层逻辑在于，体量够大的CBD公园，足以成为城市的价值符号。

可以想象，望云润玺院占位云城CBD，对望世界级地标群落，毗邻在建中的云门公园，未来潜力扶摇直上。

（云眼效果图，源自：余杭发布）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

二是拔高生活质感，与CBD公园为邻，资产稳赢的砝码！

根据《大型城市公园绿地对住宅价格的影响》的调查，结果显示：

公园绿地对周边住宅的增值系数为10-32%。

而这些物业，往往会引起塔尖人群竞逐。

典型如西湖边元福里、九溪玫瑰园、西溪云庐、江南里……哪一个不是千万以上，甚至上亿级别的？

高净值人群见惯世面，也懂得住在城市公园，享受宜居、生态、健康的社交生活。所以说，选择望云润玺院，相当于是拿到一张高阶圈层生活的“通行证”。

（项目区位示意图）

被中心区精致生活圈环抱

比如「火车西站枢纽+3号线/12号线（在建）/19号线」的交通路网，便捷通达长三角。

项目直线距离约500米的西站综合体、云城天街（在建）。约2公里范围内，宝龙广场、EFC欧美广场、梦想小镇、万达广场等商业环伺，满足休闲、购物、娱乐的需求。

知名学校天元公学西站校区已投入使用，近邻杭师大附属仓前实验幼儿园、小学、中学等。（注：期房不承诺学区）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

在如此卓绝的新中心CBD基本盘上，大都以产业用地为主，宅地非常稀缺。更别说，低密地块只会是“稀缺中的稀缺”。

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

之所以能诞生望云润玺院的叠墅，既是华润置地洞悉人居需求，也是时代为改善人群打开的一个「置业窗口期」。如此来看望云润玺院，含金量不言而喻。

华润置地孵化「排屋式叠墅」

第三中心核心区“开炸”

在产业地标群里，望云润玺是第三中心的人居地标。

相比别家开发商要一步一步研发更迭，华润置地，拥有央企开发商的巨大优势，凭借在全国各地的营造经验，一上来，就是最先进的叠墅产品。

为什么会这么说？

作为云城核心的划时代钜作，望云润玺院的诞生，集结了GOA、JTL、CCD等国内外一线设计力量，反复推敲倾力匠造「塔尖资产」，可见华润置地打造望云润玺院的底气和决心。

（项目示范区实景图）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

下面，我们来一一解构。

亮点一，高颜值外立面、超高窗墙比、户户4套房、全部独立入户

项目叠墅外立面是东方巴黎2.0美学的迭代，采用米色仿石铝板筑就“流光钻幕”，格栅顶冠造型，展现建筑形体的挺拔感和精致感。

三面全明格局匠造极致通透之境，超高窗墙比，大面积落地窗，演绎环幕观景视野。中西双厨与环景宽厅无缝呼应，户户四套房带卫浴间，超出想象。

（项目样板房实景图）

还有归家仪式感极为尊崇。上叠、中叠、下叠都有各自的「地上入户庭院+地下独立电梯」，每个家庭都有两种归家路径，就像住在独栋别墅里一样私密自在，你敢信？

亮点二，控总价之下，下叠墅感爆棚

如果你去看了项目建面约253方下叠样板间，会发现这个户型空间超级棒。

它拥有近250方的超级庭院，近260方的地下赠送空间，超200%的室内使用率，堪称杭州叠墅界的颠覆产品。

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

（项目样板房实景图）

想象一下，在三面环绕式庭院中与孩子捉迷藏、穿行嬉笑之间，还原了墅居生活最本真的乐趣。

高度约6.1米的地下拓展空间，配置双面采光天井，带来的舒适感也是功不可没。

（项目样板房实景图）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

这里，可以打造成健身房、酒水吧台、亲子空间，甚至一个专属的电竞房，地下空间充满了无限的可能性……

亮点三，中叠带入户庭院+地下室，阔绰感直线飙升

在产品形态上，望云润玺院打出了新玩法，即建面约260方中叠，不仅也有独立入户庭院，私密感十足，还有一个挑高约6米的地下室，面积约35-40方，创新属性拉满，在杭州很少见。

亮点四，上叠大光厅、花园大露台、屋顶岛境露台

建面约289方上叠户型，一层阳台、主卧套间连通，阳光次卧、星级客房，还带家庭厅；二层宽境大露台、餐客厅、厨房等，可打造洄游式欢聚场……

（项目样板房实景图）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

所以，在望云润玺院的上叠中我们见到了超级主卧，也见到了依然阔尺的LDKB体系。

还有顶层星空露台，化身度假级生活场域，众人尽欢的BBQ派对，在阳光泡池仰观星河璀璨，将“云端胜景与城市地标天际线”装回家。

（项目样板房露台示意）

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总之，望云润玺院叠墅，可以说是华润置地深耕杭州多年之后，不断研究杭州人生活习惯、居住痛点以及对美好生活的期待之后，衍生出来的“集大成者”。

据我们了解，首批次叠墅房源量不多，作为稀少的云城核心叠墅，下手估计要赶早。

建面约252-289方叠墅，即将入市

千万级高端改善不二之选

在叠墅市场上，望云润玺院不仅把户型设计得非常有竞争力，而且为业主提供优质的生活享受，堪称「五好叠墅」。

（项目示范区实景图）

其一、首创第三中心立体美学住区

譬如，项目以超级底盘为概念，结合改善人群的日常生活需求，采用抬板立体规划，打破传统社区平面的无趣感，形成“浮光墅屿+垂直绿洲+流动山林”等丰富节点，在高低错落间，生长出无限诗意。

叠加悬挑式整石观景平台，整体犹如立体山水画卷，移步易景间，无论哪个角度都是隐贵生活的既视感。

其二、进化成Pro版的殿堂级会所

值得一提的是，望云润玺院打破了传统低密楼盘无社区感，打造了殿堂级的会所空间。

有休闲会客区，环境优雅，你日常会友，倍有面子。

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（项目示范区实景图）

有“蓝钻之星”恒温泳池，通透的落地玻璃窗下与下沉庭院景观相互渗透，实现一年四季畅游的“游泳自由”。

（项目示范区实景图）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

有室内星级健身区、云城首个专业壁球馆，一边看着室外的美景，一边活力健身，身心都愉悦。

（项目示范区实景图）

望云润玺院，直接完美诠释了，成年人从来不需要选择，你可以什么都拥有。

其三、华润置地迭代「云城壹号作品」

项目融合三大世界级工艺——艺术拼接、法式浮框、典藏镂花，用现代手法演绎东方巴黎风雅，为每一处空间，营造出雅奢的艺术氛围。

（项目示范区实景图）

甚至，运用各种稀贵的材料，如白雪公主玉石、翠谷幽兰奢石、福鼎黑石材、滨州青石材、澳洲黑石材、犀牛灰石材等，以及帝王翡翠岩板、大花白岩板、白金沙岩板，还有苹果旗舰店同款的超白玻等等，带给业主在体验感和情绪感上的多重愉悦。

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✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

上叠289㎡ ：五、六、七层

中叠260㎡ ：三、四层

下叠252㎡ ：一、二层

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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。

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✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

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✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院营销中心热线4008558224（官方预约看房热线）

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

✅华润望云润玺院售楼处电话：400-8558-224✅︎✅︎✅

（项目鸟瞰示意图）

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综上所述，极核地段、豪宅品相、空间尺度，这些都是构成顶级地标豪宅的三大底盘。

华润置地·望云润玺院，集第三中心云城核心一流地段、稀缺云门公园盛景、顶级墅类产品力的塔尖资产，必定会成为高净值人群的猎物。

据悉，项目将推建面约252-289方中心孤品墅作，仅有72席！首批次36席，入市在即，总价千万级，值得抢藏！

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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。