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✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎

✅✅保利都汇和煦营销中心热线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✅保利都汇和煦售楼处电话：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

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

项目二批次12.19已过会，均价69888元/㎡！约98-108-126㎡三大王牌户型楼栋，采光视野景观更上一层，关键视野价值在这次定价中几乎算是「赠送」！

此次加推最受关注的，当属闵行罕见的“压箱底”房源——建面约129㎡有天有地的花园洋房，仅28套稀缺供应。首层带墅级花园与约6米挑高地下室，顶层配实用闷顶，定价诚意十足。

效果图过程稿，以实际交付为准

本次推出7、12、15#，栋栋精品，不仅拥有更优越的景观视野，居住静谧感也更胜一筹，价格优势尤为凸显，让购房者能以合理成本购入新规后的优质好房。

保利·都汇和煦二批次

建面约98-129㎡3-4房小高层、洋房

12月19日已过会

预计下周取证 认购在即

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

有天有地的花园洋房

闵行改善市场的“金字塔尖”之选

早在二批次过会前，这款有天有地的花园洋房就已持续收到三个月以上的咨询，“何时上市”的追问不断，足见改善市场对真洋房的迫切需求。

1、有天有地的花园洋房太过稀缺，错过难寻

洋房的核心定义，在于“7层及以下+顶底带高附赠空间”的硬性标准。如今市面上不少11层产品动辄冠以“洋房”之名，实则为小高层产品，其居住舒适度与附赠价值，均与洋房相去甚远。

回望近10年闵行楼市，中部区域仅有保利·都汇和煦推出洋房，堪称区域改善市场的“金字塔尖”之选。

从数量来看，稀缺性更为凸显：项目整盘洋房仅112套，占比约15%；此次推出的129㎡洋房，仅占社区约4%。

放眼闵行中部，洋房前10年没有，后面10年也难有增量，稀缺性让项目更容易走出独立行情，执掌未来二手房定价权。

2、产品力拉满：顶底墅感体验+同级无敌配置

保利在小高层产品上已尽显匠心，此次洋房更是惊喜迭出：

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

①、私密性拉满的墅级花园

边套洋房拥有L型花园，使用面积达约80㎡；中间套花园面积也有约60㎡。

要知道，常规洋房花园面积多在40㎡，而保利·都汇和煦的洋房花园，已达到建面150-180㎡叠墅的花园尺度，甚至不输部分150-200㎡联排产品，妥妥墅级尺度。

花园让洋房生活向外蔓延，长辈种花、孩子玩球各得其乐；小朋友生日派对可直接在此布置，比网红餐厅更具生活气息；闲暇时还能摆上藤椅与茶桌，邀上邻里好友品茶聊天。

更贴心的是，花园设置约1.7米高的绿篱自然分割，后期业主可以考虑在内部加装栏杆，进一步保障私密和安全。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

②、可塑性MAX的约6米挑高地下室

地下室使用空间高达约103-107㎡，健身房、藏酒室、私人影院、藏品展示区皆可在此自由定制。

挑高约6米的地下室很少见，你要知道常规联排、叠墅地下室也就4-5.6米，这让空间可塑性大增，家庭图书馆、家政间以及卫生间（提前预留落水条件）都能集中到地下。

每一户地下室都配大面积采光井，大幅提升通风与采光效果，无需完全依赖灯光照明；采光井下方还有约4.6㎡可覆土改造的空间，做成地下花园或茶室都格外惬意。

值得一提，地下室拥有产证，权属清晰无争议，让置业更安心。

③、墅级归家体验

另据小胖君打探，项目车位或可改造实现“停车即入户”的归家体验——驾车入库后无需绕行公共大堂，可直接步入自家地下室，再从容归家，完全复刻栋墅级的尊崇仪式感，这份尊贵感与私密性，是平层无法比拟的。

附首层洋房户型图过程稿：

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

洋房采用坡屋顶造型，将传统阁楼与老虎窗用现代手法演绎，以采光通透设计焕新空间体验，打造出独特的现代海派风格。

室内设有轻质结构梁，业主自行改造后，可大幅提升垂直高度与实用率；相较于以往多数区域需低头通行的普通阁楼，改造后的实际使用体验大大改善。

这片空间可延伸出约30-40㎡使用面积，完全赠送，无论作为储物间、独立书房，还是孩子的玩具房、兴趣空间，都能完美适配。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

附顶层洋房户型图过程稿：

从上下分层，到做出优质别墅的附赠空间，保利·都汇和煦顶底层“含墅感”满满。

但还不是全部，它的顶底层拥有比别墅宽得多得面宽。

①、全系近14米面宽，采光视野无敌

常规别墅多为两开间约6米面宽，而项目129㎡洋房全系四开间朝南，面宽近14米。

这一尺度不仅远超联排叠墅，在新房市场也处于第一梯队——即便是市中心面宽极致的144㎡户型，面宽也仅约13.95米，而项目以129㎡建面实现相当面宽，甚至超过不少165-200㎡的二手房与新规前产品。

其中，边套主卧经270°飘窗延展后，面宽可达约3.9米，优于市区同面积段3.7米的极致水平，更远超常规3.1-3.3米的主卧面宽。

②、标准层约97%实得率，性价比再升级

全系全明梯厅，赠送约8.5㎡

洋房标配全明梯厅，提升入户仪式感的同时又拓展使用空间，比如当“外玄关”，用来收纳鞋类，也能摆放绿植、装饰画等，打造专属入户景观。

三阳台赠送约6.7㎡

阳台“买1送1”，实用度高，大大拓展了实用面积。

独特花池，赠送达约6-6.1㎡

项目花池景观阳台的打造，得益于L型滨水地块的独特禀赋。这一先天属性契合政策要求，让项目成为新规落地后少数获批打造花池景观阳台的楼盘——这般稀缺设计，是常规新盘难以复刻的优势。

一方面，客厅阳台进深约1.7米，外面还有约0.6米进深的花池，既是使用空间的再度延伸，更为业主提供丰富的生活志趣。

另一方面，南卧室阳台进深约1.7米，再加上约0.6米进深的花池，居住舒适度上佳。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

闵行首个全景舱洋房户型，赠送飘窗约5.9-8.8㎡

全屋飘窗应飘尽飘，连厨房都有飘窗，边套主卧更带270°无柱飘窗，视野超通透，且洋房本身楼层低，坐在飘窗上能更好感受洋房“亲地性”，景观的四季变换就在眼前。

划重点：飘窗支持向下拓展，下方可定制抽屉柜，化身储物空间，比普通飘窗实用太多，是真正的赠送面积。

洋房标准层边套赠送面积约30㎡，实得率高达97%，相当于直接赠送约200多万价值，常规项目80%的实得率与之相比差距明显，该户型实际可享受常规155-160㎡的空间尺度。

③、尊贵入户，品质升级

洋房大堂配置极具诚意，采用约3.9米一门通高的大门设计，营造仪式感满满的入户体验；公区标配日立或同等档次的空调，冷暖全覆盖，无论酷暑寒冬，都能让业主在公共区域享受到舒适温度。

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。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

同级超配社区配置

也是新规后全市鼎流产品

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

不止优质楼栋、高实得率，保利·都汇和煦在社区公区及室内配置上，也展现出优于同级别项目的水准，我觉得同级超配：

1、闵行三大首发配置超配【煦-club】

项目打造了建面约1500㎡的社区公共配套空间【煦-club】，其中包含三项闵行首发配置：

①、闵行首个室内双球馆——篮球场&匹克球场，运动激情随时迸发；

②、闵行首个恒温泳池+罗马浴池，让居民在家门口就能享受亲水体验；

③、闵行首个疗愈场（健身空间&高压氧舱），为居者定制专属健康管理方案。

这种国际化公区配置与板块二手房完全不在一个赛道，甚至甩开闵行2000万级次新一大截，为未来二手房市场的价值奠定基础。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

值得一提，从近期流出的效果图来看，项目还规划了仪式感很强的车马院。

这是一种借鉴传统宅邸礼序的入户空间，兼具车辆落客、临时停靠与宾客迎送功能，既保障了业主归家的私密性与便捷性，又通过对称布局、景观造景等设计营造出尊崇的仪式感。

这类注重尊崇感的设计，以往多出现于2000万以上新房中，在同价位项目中较为少见。

车马院光厅效果图过程稿

此外，楼栋大堂的设计也兼顾质感与艺术氛围，细节处理用心，打破了人们对600万级项目公区的固有认知，让居住体验更具品质感。

10#大堂效果图过程稿

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

2、约350米社区界面+特色归家动线，提升归家仪式感

项目打造了约4米高、总长约350米的社区华墙，搭配约70米的星级大门，大门采用贝金米黄石材与玉兰花雕塑装饰，门厅处设置透光云石，整体归家入口的质感出众。

在地下车行区域，项目设计了中央车站式落客区，还创新性地打造了闵行区域少见的“真光庭”，通过智慧感知系统捕捉移动轨迹，提前照亮行进路线。这一设计不仅优化了地下通行的便利性，也让归家动线更具仪式感。

售楼处实拍

3、超配精装+细节关怀，健康舒适兼具

项目室内精装选用知名品牌配置，包括日立空调、地暖、迈迪龙新风系统、唯宝智能马桶、高仪恒温花洒、精雕铸铝门、怡口净水设备等，厨房更是采用方太20件套集成洗净中心。

全户型均引入透光云石、安第斯雪景奢石等材质，提升了空间的质感；同时采用对标2000万级豪宅的五衡系统，进一步优化居住健康环境。

并首创闵行美妆四件套，科勒美妆龙头、美妆镜柜、美妆冰箱，搭配“顶+面双补光照明”，将女性关怀落于每一处细节。

创意样板房实拍

三大王牌户型同步加推

适配多元改善需求

除了建面约129㎡洋房，项目一批次备受热捧的三个户型此次同步加推。

约98㎡3房：类一梯一户、全屋飘窗为标配，双阳台+花池是核心亮点（市面双阳台户型起步多为约110㎡），整体附赠约23㎡，是罕见的高实得率精致户型。

约108㎡3房：配备三阳台+三花池，整体附赠约26㎡，空间拓展性强，满足家庭多元使用需求。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

约126㎡4房：四开间朝南，附赠约30㎡，西边套一线临河，可享IMAX级观河景体验，全维度契合改善家庭的居住期待。

地段价值稳固

潜力与实用性兼备

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

保利·都汇和煦的地段兼具潜力与实用性，核心优势集中在地铁通勤、产业支撑和成熟配套三大方面：

1、正地铁房，通勤便捷

项目直线距离15号线双柏路站约500米，属于稀缺的约500米内地铁新盘（全市只有6盘）。

3站紫竹、4站徐汇，可换乘1号线通往徐家汇、新天地；未来19号线建成后，在景洪路站换乘可4站前滩、6站后滩，直达陆家嘴等CAZ核心。

同时可在桂林公园换乘12号线，4站抵达徐汇滨江。

2、产业集聚，居住需求旺盛

颛桥既是上海西南产业中心，也是“全球科创中心”南部核心承载区，产业实力硬核。

一方面周边强产业环绕：北侧承接徐家汇溢出的莘庄商务区，西侧有莘庄工业区、航天城（仅航天八院就有约1.5万科研及管理人员），南侧是闵行经开区与“大零号湾”（汇聚两所985高校、超13万科技人才），区域规划入驻100+五百强企业、引进80万高端人才，居住需求旺盛。

另一方面自身产业强劲：布局航天航空、人工智能、生物医药三大前沿产业，2024 年三大产业产值占全镇工业总产值约68%，航天八院、节卡机器人等龙头企业扎根，高知人群聚集。

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

3、配套成熟，生活无忧

商业上，项目直线距离颛桥万达约1.2公里，直线距离龙盛国际商业广场约2公里，直线距离海梦一方约2.3公里，直线距离莘庄仲盛世界商城约4.5公里。

生态方面，项目直线距离约200米就是君莲剪纸公园；教育则覆盖全年龄段，医疗有中山医院闵行分院等资源加持。

保利·都汇和煦二批次

建面约98-129㎡3-4房小高层、洋房

12月19日已过会

预计下周取证 认购在即

✅保利都汇和煦售楼处电话：400-8558-224✅︎✅︎✅

✅保利都汇和煦营销中心热线4008558224（官方预约看房热线）

保利都汇和煦售楼处电话：400-8558-224【售楼中心热线】保利都汇和煦营销中心热线4008558224保利都汇和煦售楼处地址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，欢迎提前预约拨打保利都汇和煦售楼处电话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。