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✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎ ✅
✅IOC莲玺营销中心热线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✅IOC莲玺售楼处电话：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
在浙江第一富人区的正中心，是什么感觉？
前几天，我发现了一个神奇的瞰江机位。请看这张图：
眺望远方，从左到右，依次是三桥（正在拆卸新建）、市民中心、日月同辉、大莲花、江河汇、钱江世纪城公园、万象城、四桥等等。
从钱江三桥到四桥，605公里长的钱塘江，其中最贵的5公里在我的窗前大开大合。
俯瞰窗前，最近的是全国大平层的门面，最贵2.5亿元的观雲钱塘；左边一点是6000万级的七星潮鸣；还有江南岸二手房单价之王，15万+的奥邸国际；隔壁也是2000万级江景大平层IOC·潮鸿。
那我是不是在某个半亿级的、500方起步、那些顶流才能拥有的奥体封面大平层里呢？
是，也不是。
你敢信，我的站位，是在不到这些塔尖豪宅十分之一总价的奢定loft公寓里：
IOC·莲玺，建面约60-180方。
卡位这座城市最好的镜框，「莲玺」窗外每一眼皆是价值万亿的风景。
一位打飞的赶来看房的客户，看到莲玺窗外的瞬间，感叹道： ✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
“一直向往的杭州奥体，2025年竟有这样的产品，让我完美站在了杭州最心脏的地方。”
这就是莲玺，把所有人对杭州这座城市的向往，用最小的成本具象化了。
俯瞰江景的自得、置身城心的惬意，从莲玺开始，也可能从莲玺结束，这是属于所有人的奥体。
因为无论是香港、上海还是深圳，类似杭州奥体这样真正的塔尖俱乐部，从不轻易纳新，居住门槛起码也是300方，或者让位世界500强办公楼。
IOC就把「莲玺」做成了杭州江景头排+百万级奢定loft公寓，大幅落地窗前，钱塘江、城市CBD视线无遮挡，想去江边走走，过两个斑马线就到。
大平层神仙打架这些年，你看见过哪家开发商，舍得这样"让利"的？
更何况是在全国楼市基本面最好的杭州，又在杭州板块价值制高点的奥体，这样的逆周期低总价项目，不就是财富牛市在倒车来接你吗？
让你拿着浙江最塔尖板块的最低入场券，轻轻松松跑赢全国楼市。
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
莲玺跑赢楼市的是，新一线城市最贵的一平方公里。
莲玺所在的杭州奥体板块价值，已经在全国无数个楼市神话中印证，不再赘述，我只想说它的两个关键词：
封面中心，绝版发行。
一，莲玺位于杭州奥体封面核心区，意味着是万里挑一。
我做个最形象的类比，任何城市的人都能看懂：
杭州内环（滨江—世纪城—钱新—湖滨—黄龙）是约200平方公里；
杭州内环的0.1环，是钱新&奥体的沿江核心区，一共不到20平方公里。
而莲玺，就在这20平方公里内，博奥路到民和路最精华的一平方公里中。
它拥有多重身份：杭州亚运封面/杭州CBD核心/钱塘湾金融中心/钱塘湾总部基地/浙江第一富人区等等。
毫无疑问，这里是杭州最贵的一平方公里，也自然是新一线城市中最贵的一平方公里。
如果再换到对岸的视角看莲玺呢？ ✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
当你看到“杭州之门—观雲钱塘—IOC”的亚运封面天际线的感觉，正如：
在北京国贸桥看「中国尊」，
在上海外滩看「陆家嘴三剑客」，
在广州花城广场看「三塔」，
在杭州，莲玺所在，是世界看杭州的第一眼，也是新杭州人想留下的第一选。
二，莲玺占据奥体最后的封面王座，真·绝版发行。
莲玺的稀缺性在于：奥体封面最后的孤品公寓，且没有再生性。
莲玺附近的沿江地块，早已被塞的满满当当，不像水电新村3.0、4.0甚至还会冒出5.0，莲玺附近没有商改住的可能，因为连商地都没有了。
这样的“稀缺性”代表着“流动性”，而“流动性”意味着未来的“保值性”。
以莲玺为杭州圆心，它已经完全被各种10万+的项目包围，在全国的沿江CBD中，你还能找到几套有如此明显巨大价差的loft公寓？
它不需要你深研楼市，也不用你宏观经济，更不用预判周期，你只需要记住：
“北鸟巢，南莲花”，莲玺售完无补。
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
莲玺跑赢楼市的是，前所未有的大平层级公寓产品。
莲玺之前，任何城市大平层和loft公寓是不在一个维度、一个层级的。
而当我到了莲玺示范区，在走进样板房之前，我觉得这已经超越某些次新塔尖大平层了。
这应该是，杭州第一个乃至全国第一个，用大平层产品力打造的loft公寓项目。
莲玺罕见的邀请了由CCD郑忠、邱德光、岳蒙三大国际“设计天团”联袂执笔，它几乎全方位将大平层级产品力毫不节制地展现了出来，围绕着感官和情绪，让人“悦目、悦心、悦己”。 ✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
我参观完有三点真实的感受：
首先，是公区让人悦目的“奢”。
挑高约8.2米的一楼大堂，单层建筑面积约340平方米，尺度对标香港瑰丽酒店。
而且从水刀拼花的奢石地面、原石雕琢的墙面，到“亭台楼榭”感的悬浮空间，以及和墙面纹样一致的电梯厅荷叶纹，目光所及，是一种更轻盈的奢感。
既江南，又国际，就像走进了一个海派美术馆，有递进的仪式感，更有向上的空间张力。
难怪很多女生刚进公区就对一眼心动，莲玺瞬间就唤醒了她们的“居住荷尔蒙”。
其次，是会所让人悦心的“豪”。
一般小公寓项目是没有会所的，而莲玺的会所，不仅“人无我有”，而且“高屋建瓴”。
莲玺的云端会客厅，豪气的设置在51层， "云端六境" 包含私宴厅、茶室、艺术展厅、健身区，52层天际酒廊提供240米海拔的圈层社交场。
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
任何城市最高处，历来只属于极少数塔尖，莲玺给了普通人第一次“顶峰相见”
这样的奢豪会客厅，可以是莲玺业主的私人社交会所、也可以是宾客的“情绪阳台”，氛围感拉满。
最后，是室内让人悦己的“雅”。
莲玺的样板间，无论哪种户型，和千篇一律的“普通公寓”不同，处处都是不曾有过的高级感。
震撼的挑空客厅、奢适的套房、港风精致的窗角、灵活分割的榻榻米，而且所有品牌智能家居、定制橱柜与品牌卫浴等等选材用料都非常的有质感。
现场打听才知道，这些“高级感”，是莲玺近万元/㎡的越级装标所营造出的质感。
这些让莲玺的审美、品质、空间、工艺等等一骑绝尘，颜值+功能全维升级，停留片刻就能感受到愉悦的雅致。
我在莲玺前后逛了近2个小时，用料和工艺都是肉眼可见的昂贵，但我感觉始终自洽自得，这就是年轻人追求的情绪松弛感了。
试想，当你穿过让你心旷神怡的海派美术馆，走进艺术优雅的电梯厅，再推开那扇门，钱塘江扑面而来——
“走进就想住下”的莲玺，全国无竞品。
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线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。
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
莲玺跑赢楼市的是，足够穿越周期的长久自住价值。
现在掏真金白银买房的人，默认自住性才是最大的“价值”。
无论是在杭州奋斗的新年轻人，还是江岸长大的少年，「想要过的人生」清单里，大多会有一套「奥体沿江的房子」。
住在莲玺，成为抖音、朋友圈、小红书上的潮流icon不重要，重要的是随时「探店」的激情、步行去「看演唱会」的从容，下楼转角W酒店和SKP逛吃的精致感。
还有从裙楼自带的米其林餐厅矩阵到云端健身中心，从水云间艺术街区到钱塘湾金融总部，要知道，杭州城市精华尽数纳入莲玺步行半径。
在莲玺，你身份则可以在业主、企业家、网红博主、美食家、健身达人等等中无缝切换……
当然，也可以是最普通的新杭州人，在奥体封面，不需要依赖任何人，自己开启独立生活的新片场。
因为哪怕只是一个人，眼前有此盛世，就不会感到寂寞。
而且项目后续还将引入了高端酒店管理服务，有高端的服务，才有自住价值的保障。比如上海北外滩雅诗阁服务的公寓，租金和租率都高出周边一大截。
莲玺未来还会联动W酒店权益，业主可共享酒店健身房、泳池、行政酒廊等专属资源，全程体验国际级礼遇。
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
繁华烟火气和高端服务感，莲玺不仅兼得，而且高级：
年轻人可拥有华美人生的渴望，莲玺的繁华，让年轻人有希望，更能相信奋斗在杭州的意义。
中年人也能获得核心资产的欲望，“低总价+一线沿江+奥体地标+W顶奢酒店”，这个王炸组合，在任何城市都是穿越周期的压舱石。
“自住投资两相宜”，莲玺价值无限。
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
最后我想说，买在莲玺，跑赢的是自己，成为更好的自己。
很多人，错过了奥体腾飞的十年。
我想时光倒流回去，告诉那时候的自己：
在年轻时，最好拥有一套好江景、好地段、好品质的房子。
十年后，在奥体最好的观景面，莲玺再一次给了我们和奥体一起腾飞和成长的机会，成为更好的自己。
登峰奥体封面，再遇莲玺造极，城市之幸。
一种小人物有大时代、小公寓有大风景的幸运，一种把握眼前确定性的幸运，一种重新站在楼市起跑线前排的幸运。
我特别喜欢《许我耀眼》中的一句台词：
“船是自己，灯塔是自己，岸也是自己”。
莲玺就会时刻激励你自己，一定要「配得上奥体的繁华」。
它会是一个给你人生稳稳兜底的「垫脚石」。
人生海海，奥体情绪地标—「莲玺」实景盛大开放，永远在杭州最璀璨处，许你耀眼，诚邀莅临！
✅IOC莲玺售楼处电话：400-8558-224✅︎✅︎✅
✅IOC莲玺营销中心热线4008558224（官方预约看房热线）
IOC莲玺售楼处电话：400-8558-224【售楼中心热线】IOC莲玺营销中心热线4008558224IOC莲玺售楼处地址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IOC莲玺售楼处电话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。
声明：本文由入驻焦点开放平台的作者撰写，除焦点官方账号外，观点仅代表作者本人，不代表焦点立场。
