保利·外滩曜售楼处电话→2026#上海保利·外滩曜售楼中心电话→保利·外滩曜楼盘百科→保利·外滩曜首页网站→楼盘百科→首页网站→24小时热线电话

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎

✅✅保利·外滩曜营销中心热线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·外滩曜售楼处电话：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·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

内环内、双轨交地铁盘

保利·外滩曜

仅余少数席位在售

超高实得率建面约115-130㎡小高层

首创“四大产品主义”体系

新奢配、新人本、新定制、新她享

从建筑美学、全龄社交、个性定制、女性关怀

四个维度重塑顶豪标准

2025岁末收官日，位于世界会客厅、内环CAZ的保利・外滩曜再掀热潮——

入市仅一个月，即创下热销82%的傲人战绩，以现象级热度燃爆上海顶豪市场。

当市场回归理性，顶豪的价值共识愈发清晰：唯有占据不可复制的核心地脉，兼具品牌积淀、极致产品与顶奢服务的全优能级，才能穿越周期，成为市场追捧的焦点。保利·外滩曜的首开热映，正是这一价值逻辑的最佳印证。

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

01

首开热销

获全城远见者收藏

近些年来，东外滩作为百年外滩文脉与时代科创动能交融的核心板块，早已成为上海顶豪市场的价值高地。随着区域364万㎡商办集群崛起、科创巨头纷纷落子，板块宜居属性与资产价值同步飙升，稳稳占据上海内环滨江豪宅市场的核心席位。

此次保利・外滩曜以首开均价诚意入市，既是保利深耕东外滩、擎领板块高端人居迭代的匠心表达，亦是借年底节点，让更多远见者得以收藏外滩核心资产的臻稀契机。这一诚意定价的背后，藏着的是无可复刻的价值底色：从不可复制的地脉禀赋，到经典隽永的建筑形制、度假式园林意境，再到五衡科技系统的舒居赋能与东方礼遇服务体系的奢适加持。每一处细节皆为高净值人群的理想生活量身定制，让市场得以用匹配的价值，珍藏这份属于外滩的时代人居范本。

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

02

地脉共鸣

百年外滩的入场密钥

每一座伟大城市的进阶，都有一条承载时代使命的脉络。于上海而言，这条脉络便是外滩。历经百年风云淬炼，外滩早已超越单纯的地理岸线，成为镌刻城市精神的图腾、对话世界的封面。而东外滩，作为百年外滩的延伸与升级，正以“科创+文脉”的双重内核，执掌下一个百年的荣光。

外滩百年，每一座建筑皆是中西交融的时代印记，亦是不可复制的文化图腾。早在19世纪中叶,东外滩便依托黄浦江航运优势，成为英商来华兴业的核心聚集地，前沿商贸落地生根的同时，更让新古典主义建筑的典雅形制与上海在地基因深度交融,铸就外滩“万国建筑博览”的恒贵底色。

如今，这里364万㎡商办集群拔地而起，美团、B站、抖音等科创巨头纷纷汇聚，超3000亿产业规模与20万高知人才在此集结，为百年外滩注入全新活力。保利·外滩曜屹立东外滩中央风貌区，无缝衔接全维鼎配资源，串联外滩过去与未来的关键节点，启幕百年外滩下一个鎏金十年。

稀缺的土地，注定只为少数人珍藏。保利·外滩曜的入市，精准同频百年外滩价值兑现的关键节点，为向往外滩的塔尖人群，提供了一次入主顶流坐标、珍藏滨江恒产的绝佳契机。

03

产品革新

东外滩奢居的时代提案

在顶流土地之上，必以极致产品回应时代期待。保利·外滩曜深研近千份高净值客户需求，

真正读懂精英家庭的生活本真与进阶向往。从空间功能与动线的优化，到全龄成长与生活中心的营造乃至圈层身份的认同，每一份真实诉求都被悉心聆听、认真回应。

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线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。

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

保利·外滩曜致敬百年外滩，通过萃取在地建筑肌理与全球顶奢美学精髓，构建“从百年中来，到百年中去”的生活叙事，让每一处空间都成为跨越时空的美学载体与情感共鸣场。

建筑上，溯源外滩万国建筑群奠基者“思九生洋行”的美学底蕴，承袭怡和洋行、上海邮政总局等经典之作的设计精髓，同时从英商电车修理厂等在地保护建筑中汲取肌理灵感，将三角山花、几何纹饰、橄榄叶束带立柱等标志性元素精炼融入细节。以理性几何勾勒向上生长的体块与纵向线条，在凹凸立柱间雕琢丰富光影层次，结合经典三段式结构与模块化拱券序列，重现外滩建筑群的秩序之美与韵律之美，传递挺拔昂扬的力量感与精神性。

园林上，以“一庭一廊、两巷三园、十境共生”的叙事格局，融合全球顶奢酒店花园灵感与上海在地文化肌理：入口致敬伦敦半岛酒店仪序，石狮静守彰显尊崇；中央庭院呼应华尔道夫酒店羿庭柱廊序列，营造韵律社交场景；花园布局借鉴巴黎丽兹酒店对称庄园格式，秩序中藏诗意；一步阳台溯源孙科别墅优雅意境，续写海派从容。更点缀罗斯柴尔德别墅景观亭、武康路公馆铁艺雕花等经典元素，铺陈出一幅可漫步、可沉浸的世界性园林画卷。

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

此外，保利·外滩曜更是溯源了华尔道夫传承百年的优雅社交，汲取其“Meet you at the clock”的社交理念，匠心打造约1200㎡生活中心、约400㎡的架空层泛生活空间。这里不仅仅是高奢圈层汇聚的交融处，更是一个精神轴位，开启上海向往的顶奢生活方式。无论是圈层私宴的觥筹交错，还是恒温泳池的自在舒展，亦或是健身房的活力焕新，皆让身份标识与情感共鸣在此交融。

在此之上，项目更将甄选保利物业东方礼遇高端服务体系，以双管家服务模式，围绕业主“衣、食、住、行、健康” 五大核心需求，联动线上服务小程序实现 24 小时不间断服务接力。从日常的贴心关照到圈层的专属礼遇，让恒久如一的尊崇质感，成为生活的日常底色。

04

岁末压轴登场

入席中央风貌区的恒藏之作

据悉，保利·外滩曜本次首开推出的产品涵盖了建筑面积约115㎡-130㎡的小高层，以精准的空间尺度与全维的功能配置，匹配时代远见者的多元居住需求。

其中115㎡作为保利·外滩曜本次首开的入门户型，经典的三房两卫户型，为向往外滩的远见者人群，提供了入主百年外滩重要风貌区的珍贵机遇。更难得的是，该户型坐拥开阔视野，部分户型可将滨江盛景与陆家嘴三套等城市繁华尽收眼底。

本次首开主推的建面约115-130㎡恒奢之作，在空间打造上尽显匠心。270°环幕视野将城市天际与自然光线纳入室内，让每一寸空间都充满阳光与风景；灵动飘窗系统不仅延伸了空间开阔感，更可随生活需求改造为静谧阅读角或精致梳妆台，解锁多元生活场景。LDKB一体化设计打破空间壁垒，重构家庭亲密关系；全屋精研收纳系统，为生活持续扩容，让居家时刻尽显从容。

细节处更懂精英需求，“新她享”系列定制美妆冰箱、美妆灯、美妆龙头、美容舱浴霸悉数配齐，在家即可尽享院线级精致护理体验。从二人世界的浪漫相守，到三口之家的温馨相伴，再到三代同堂的和美团圆，空间始终适配生活所需。更有精妙楼栋布局，让小户型也能私享陆家嘴三件套璀璨盛景，将外滩风华尽数纳入家中。

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

项目更以五衡系统，为居者擘画恒久舒适的理想生活图景，从奢材风骨到科技赋能，让质感与静谧渗透生活的每一寸肌理。

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

◎衡久：历久弥新的奢材风骨。从全球严选的天然石材，到精工细作的定制皮革，每一处用材皆为未来数十年的温润光泽而考量，构筑家历久弥坚的骨骼与气韵。

◎衡温：四季如春的体感呵护。采用大金空调地暖两联供系统，送风均匀、静音节能，冬日地板均匀散热，赤足行走亦生暖意，让四季体感始终舒宜如常。

◎衡洁：清鲜如一的全域呼吸。摒弃传统水泥烟道，升级304不锈钢烟道系统，从结构上消除回烟与异味困扰；搭配多重滤网新风系统，PM2.5过滤效率超98%，让每一次呼吸都清新畅然。

◎衡净：直饮净水的层层把控。前置40um精度316L不锈钢滤网初滤，末端以0.01微米超滤技术深层净化，双重防护覆盖饮用、烹饪、沐浴全场景，每一滴水都纯净安心。

◎衡静：繁华深处的静谧之境。外窗采用LOW-E玻璃与三玻两中空设计，加厚楼板并铺设隔音垫，更以HDPE静音管道升级排水系统，全方位隔绝外界喧嚣与邻里噪音，让清梦夜夜安枕。

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

首开的火爆，是市场的认可，更是价值的印证。保利·外滩曜首开建面约115-130㎡恒奢作品，承袭外滩建筑美学，再献外滩奢居引领之作。对于向往百年外滩的远见者而言，这既是稀缺核心资产的珍藏机遇，更是入主中央风貌区亿级圈层的入场密钥。首批次房源仅余少数席位，恭迎预约品鉴。

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

保利·外滩曜售楼处电话：400-8558-224【售楼中心热线】保利·外滩曜营销中心热线4008558224保利·外滩曜售楼处地址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·外滩曜售楼处电话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。