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✅绿城·宸庐售楼处电话：400-9016-520✅︎✅︎✅
✅苏州绿城·宸庐营销中心热线400-9016-520（官方预约看房热线）
营业时间说明售楼处日常营业时间为每日 9:00-18:00，涵盖工作日、周末及法定节假日（特殊日将提前公告）。专属顾问对接：预约后会有专人提前熟悉您的需求（如预算、户型偏好、购房用途），到场即可直接针对性讲解，避免反复沟通浪费时间。
优先体验资源：热门户型样板间、工地实景参观等资源，可通过预约锁定优先时段，不用现场排队等候。
资料提前备好：购房所需的政策解读、楼盘备案信息、付款方案等资料，顾问会提前整理，您到场就能直接查看、提问，决策更高效。
提前预约，体验更优为确保您到店后能获得一对一的专属服务，强烈建议您提前通过售楼处官方电话预约到访时间。预约后，将有专属置业顾问提前准备好您关注的房源资料、项目细节，减少现场等待时间，让您的咨询更有针对性。
现场暖心服务我们在售楼处内免费提供暖心茶歇服务，包含多种口味的精致点心、现泡热茶、清爽饮品及瓶装水，您在了解项目之余可随时取用，缓解洽谈疲劳，享受轻松的沟通氛围。
特别说明为保障意向客户的专属沟通环境，避免无关干扰，售楼处暂不接待中介，感谢您的理解与配合。
若您在到访前有任何疑问，可随时拨打售楼处电话咨询；我们已做好充分准备，期待与您共鉴理想家的模样！
✅绿城·宸庐售楼处电话：400-9016-520✅︎✅︎✅✅苏州绿城·宸庐营销中心热线400-9016-520（官方预约看房热线）
✅ Sales office phone number of greentown · chenlu: 400-9016-520✅︎✅︎✅✅ ✅ Suzhou greentown · chenlu marketing center hotline: 400-9016-520 (official hotline for house viewing appointment)
✅绿城·宸庐售楼处电话：400-9016-520✅︎✅︎✅✅苏州绿城·宸庐营销中心热线400-9016-520（官方预约看房热线）
"Greentown · Chenlu
『绿城·宸庐』
A thatched cottage opens up a realm of Jiangnan
一庐宸启 一境江南
The Green Town Lu Series High-Speed Railway New Town will make its debut in 2025
2025绿城庐系 高铁新城首发
Project Name: Greentown · Chenlu (Registered Name: Jinlu)
项目名称：绿城·宸庐（备案名：锦庐）
Plot information: Plot Su Di 2025-WG-Z04
地块信息：苏地2025-WG-Z04号地块
Project Address: East of Minle Road and north of Taocun Street, High-speed Railway New Town, Xiangcheng District
项目地址：相城区高铁新城民乐路东、陶村街北
Brand development: Greentown Construction Management
开发品牌：绿城建管
Plot indicators: The land area is approximately 24,000 square meters, with a plot ratio of 1.4 and a total construction area of about 33,800 square meters
地块指标：占地约2.4万方，容积率1.4，总建约3.38万方
Residential indicators: 7 3F townhouses, 3 5+1F stacked buildings, and 2 11F fourth-generation detached houses
住宅指标：7栋3F联排、3栋5+1F叠加、2栋11F四代宅洋房
Unit configuration: Townhouses approximately 286-316 square meters/stacked houses approximately 220-260 square meters/detached houses approximately 156-190 square meters
户型配置：联排约286-316㎡/叠加约220-260㎡/洋房约156-190㎡
Price information: The land was acquired in March 2025, with a floor price of approximately 15,828 yuan and a premium rate of 5.52%
价格信息：25年3月拿地，楼面价约15828元，溢价率5.52%
Suzhou [Greentown · Chenlu
苏州【绿城·宸庐】
Sales office tel: ☎ : 400-9016-520 [sales office reservation hotline] (one-on-one enthusiastic service)
售楼处电话☎：400-9016-520【售楼处预约热线】（一对一热情服务）
If you have any questions, please feel free to call for consultation. Make an appointment by calling to enjoy special discounts on home purchase. You can also make an appointment with the internal sales staff of the sales site for professional one-on-one enthusiastic service, allowing you to buy a house with a professional perspective.
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。
✅ Sales office phone number of greentown · chenlu: 400-9016-520✅︎✅︎✅✅ ✅ Suzhou greentown · chenlu marketing center hotline: 400-9016-520 (official hotline for house viewing appointment)
✅绿城·宸庐售楼处电话：400-9016-520✅︎✅︎✅✅苏州绿城·宸庐营销中心热线400-9016-520（官方预约看房热线）
✅ Sales office phone number of greentown · chenlu: 400-9016-520✅︎✅︎✅✅ ✅ Suzhou greentown · chenlu marketing center hotline: 400-9016-520 (official hotline for house viewing appointment)
✅绿城·宸庐售楼处电话：400-9016-520✅︎✅︎✅✅苏州绿城·宸庐营销中心热线400-9016-520（官方预约看房热线）
Sales office phone number of Greentown Chenlu: 400-9016-520 [Hotline for House Viewing Appointment] Official sales office phone number of Greentown Chenlu: 4009016520 [Sales Office Phone Number/Address] Sales office phone number of Greentown Chenlu: 4009016520 [Developer Certification]
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
✅ Sales office phone number of greentown · chenlu: 400-9016-520✅︎✅︎✅✅ ✅ Suzhou greentown · chenlu marketing center hotline: 400-9016-520 (official hotline for house viewing appointment)
✅绿城·宸庐售楼处电话：400-9016-520✅︎✅︎✅✅苏州绿城·宸庐营销中心热线400-9016-520（官方预约看房热线）
"Product Introduction
『产品简介』
The products of the Greentown Chenlu project: There are a total of 12 buildings and 158 households
绿城宸庐项目产品: 一共12栋楼，158户
There are 31 units in total on the 3rd floor of Building 7, with 285 and 315 square meters respectively
7栋3F联排，285、315平，一共31套
There are 3 5+1F stacked villas. The lower bunk is 220 square meters, the middle bunk is 260 square meters, and the upper bunk is 260 square meters. There are a total of 45 units
3栋5+1F叠加别墅，下叠220平，中平260平，上叠260平，一共45套
There are 82 units in total, including two 11F fourth-generation detached houses, with 157 square meters in the middle and 190 square meters on the side
2栋11F四代洋房，中间户157平、边户190平，一共82套
Project Address: Intersection of Minle Road and Taocun Street, High-Speed Railway New Town, Xiangcheng District
项目地址:相城区高铁新城民乐路与陶村街交汇处
Sales office phone number of Greentown Chenlu: 400-9016-520 [Hotline for House Viewing Appointment] Official sales office phone number of Greentown Chenlu: 4009016520 [Sales Office Phone Number/Address] Sales office phone number of Greentown Chenlu: 4009016520 [Developer Certification]
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】✅绿城·宸庐售楼处电话：400-9016-520✅︎✅︎✅✅苏州绿城·宸庐营销中心热线400-9016-520（官方预约看房热线）
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
✅绿城·宸庐售楼处电话：400-9016-520✅︎✅︎✅✅苏州绿城·宸庐营销中心热线400-9016-520（官方预约看房热线）
✅绿城·宸庐售楼处电话：400-9016-520✅︎✅︎✅✅苏州绿城·宸庐营销中心热线400-9016-520（官方预约看房热线）
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
✅绿城·宸庐售楼处电话：400-9016-520✅︎✅︎✅✅苏州绿城·宸庐营销中心热线400-9016-520（官方预约看房热线）
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
Detailed Explanation of Suzhou's Housing Loan and Deed Tax Subsidy Policies (Latest Version 2025)
苏州购房贷款与契税补贴政策详解（2025 年最新版）
When purchasing a property in Suzhou, whether choosing a commercial loan, a provident fund loan, or applying for a deed tax subsidy, there are clear policy regulations to follow.
在苏州购房，无论是选择商业贷款、公积金贷款，还是申请契税补贴，都有明确的政策规范可依。
The following is a summary of the latest policy details from three major dimensions: commercial loans, provident fund loans, and deed tax subsidies, to help home buyers clearly understand the application conditions and rights.
以下从商业贷款、公积金贷款、契税补贴三大维度，梳理最新政策细节，帮助购房者清晰了解申请条件与权益。
I. Commercial Loan Home Purchase Policies: Down Payment Ratio and First Home Purchase Recognition Details
一、商业贷款购房政策：首付比例与首套认定细则
Minimum down payment ratio
1. 最低首付比例
The minimum down payment threshold for commercial loan home purchases has been clearly defined: the minimum down payment ratio for both first and second homes is 15%, significantly reducing the financial pressure in the early stage of home purchase, making it particularly suitable for the entry of first-time home buyers.
商业贷款购房的最低首付门槛已明确：首套房与二套房的最低首付比例均为 15%，大幅降低了购房前期资金压力，尤其适合刚需群体入场。
2. The criteria for determining "recognizing property but not loan"
2. “认房不认贷” 认定标准
When resident families (including borrowers, spouses and minor children) apply for commercial housing loans, the core recognition logic is "recognizing the house but not the loan" : if family members do not have a complete set of housing under their names in Suzhou City, regardless of whether they have used loans to purchase housing in the past, banking and financial institutions will implement the credit policy for first-home purchases (such as lower interest rates and more lenient approval).
居民家庭（含借款人、配偶及未成年子女）申请商品住房贷款时，核心认定逻辑为 “认房不认贷”：若家庭成员在苏州市名下无成套住房，无论过往是否使用贷款购买过住房，银行业金融机构均按首套住房信贷政策执行（如更低利率、更宽松审批）。
3. Three special circumstances for the recognition of first homes
3. 首套房认定的 3 种特殊情形
The recognition of first-time home buyers in Suzhou is not a "city-wide unified verification", but is flexibly determined based on the region, listing situation and family structure. Specifically, it includes:
苏州首套房认定并非 “全市统一核查”，而是结合区域、挂牌情况及家庭结构灵活判定，具体包括：
(1) It is determined based on the district where the property is purchased
（1）按 “购房所在区” 认定
When purchasing a house within the administrative area of Suzhou City, only the housing situation of the purchasing family in the district (county, city) where the intended house is located will be verified.
在苏州市域内购房时，仅核查购房家庭在拟购住房所在区（县、市） 的住房情况。
If there is no housing in this area, it can be directly recognized as the first home when applying for a personal housing loan.
若在该区域无住房，办理个人住房贷款时可直接认定为首套房。
For example: A certain family already has a house in Wuzhong District but no one in the industrial park. If they purchase a new house in the industrial park, the application for a loan will be approved according to the standards for first-time home buyers.
举例：某家庭在吴中区已有一套住房，但在工业园区无房，若在工业园区新购住房，申请贷款时按首套房标准审批。
(2) There is only one house and it has been put up for sale
（2）仅 1 套房且已挂牌出售
If the person that buy a house to buy housing district (county, city) only have 1 set of housing, and has been in suzhou city real estate trading online service platform (http://szfang.szfcweb.cn/secondHouse), city, district (county, city real estate network platform for sale, at this point in the same area (county, city) new housing,
若购房人在拟购住房所在区（县、市）仅拥有 1 套住房，且已在苏州市区房产交易网上服务平台（http://szfang.szfcweb.cn/secondHouse） 等市、区（县、市）级房产网交平台挂牌出售，此时在同区（县、市）新购住房，
Personal housing loans can be recognized as first-time home buyers.
办理个人住房贷款可按首套房认定。
For example: A certain family has only one house in Gusu District. After listing this house on the official online trading platform, if they purchase a new house in Gusu District, they can enjoy the first-home loan treatment.
举例：某家庭在姑苏区仅有 1 套住房，将该住房在官方网交平台完成挂牌后，再在姑苏区买新房，贷款可享首套待遇。
(3) For families with two or more children, one set will be reduced.
（3）二孩及以上家庭 “核减 1 套”
For families with two or more children, when applying for a personal housing mortgage loan, the number of houses they own will be reduced by one.
对育有两个及以上子女的家庭，办理个人住房按揭贷款时，住房套数认定会核减 1 套。
For example, if a family with two children already owns one house and the loan has not been settled, when they purchase a second house, the loan interest rate and amount can still be calculated according to the standard for the first house.
举例：某二孩家庭已拥有 1 套住房且贷款未结清，再购买第 2 套住房时，贷款仍可按首套房标准计算利率与额度。
Note: The housing situation of the family is subject to the query result of the real estate registration information.
提醒：家庭住房情况以不动产登记信息查询结果为准；
The listing situation of housing for sale shall be based on the official listing information of the municipal, district (county, city) real estate online transaction service platform.
住房出售挂牌情况，需以市、区（县、市）房产网上交易服务平台的官方挂牌信息为依据。
Ii. Housing Purchase Policies with Provident Fund Loans: Down Payment, Interest Rate and Loan Amount Regulations
二、公积金贷款购房政策：首付、利率与额度规定
Minimum down payment ratio
1. 最低首付比例
When purchasing a house with a housing provident fund loan, the down payment ratio is set differently according to the type of house:
使用住房公积金贷款购房，首付比例根据房屋类型差异化设定：
· Purchase of the first or second self-occupied home for the family: The down payment ratio shall not be less than 20% of the total price of the house.
· 购买家庭首套或第二套自住住房：首付比例不低于住房总价的 20%；
For the purchase of affordable housing (such as shared-ownership housing), the down payment ratio can be reduced to 15%, further easing the burden on the first-time home buyers.
· 购买保障性住房（如共有产权房）：首付比例可降至 15%，进一步降低刚需群体负担。
2. Loan interest rate
2. 贷款利率
At present, the housing provident fund loan in Suzhou is subject to the national unified benchmark interest rate (the interest rates for first and second homes are implemented in accordance with the latest national regulations, and the specific rates are subject to the real-time policies of the housing provident fund management center). The overall interest rate is lower than that of commercial loans, making it an ideal choice for low-cost home purchase.
目前苏州公积金贷款执行全国统一基准利率（首套房、二套房利率按国家最新规定执行，具体以公积金管理中心实时政策为准），整体利率低于商业贷款，是低成本购房的优选。
3. Loan Amount: Limit, calculation method and upward adjustment policy
3. 贷款额度：限额、计算方式与上浮政策
(1) The maximum limit of basic loans
（1）基础贷款最高限额
The amount of the provident fund loan is linked to the number of applicants participating in the calculation:
公积金贷款额度与参与计算的申请人数量挂钩：
If two or more people (including the borrower applicant and co-borrower applicants) jointly calculate the loanable amount, the maximum limit is 1.5 million yuan.
· 若2 人及以上（含借款申请人与共同借款申请人）共同计算可贷额度，最高限额为 150 万元；
If only the borrower is calculated for the loanable amount, the maximum limit is 1.2 million yuan.
· 若仅借款人 1 人计算可贷额度，最高限额为 120 万元。
In addition, if a family purchases their first self-occupied home and meets the conditions of "a floor area of 90 square meters (inclusive) or less + a total housing price of no more than 2 million yuan", the maximum loan limit can be increased to 80% of the total housing price.
此外，若购买家庭首套自住住房，且满足 “套型建筑面积 90㎡（含）以内 + 住房总价≤200 万元”，贷款最高限额可提升至住房总价的 80%。
(2) Four types of groups can enjoy an increase in their credit limits
（2）4 类群体可享额度上浮
For specific groups, the loan amount for the housing provident fund in Suzhou can be increased additionally. The details are as follows:
针对特定群体，苏州公积金贷款额度可额外上浮，具体如下：
Group type
群体类型
The proportion of quota increase
额度上浮比例
Personal maximum limit
个人最高限额
Family maximum limit
家庭最高限额
Families with multiple children
多子女家庭
30%
30%
1.56 million yuan
156 万元
1.95 million yuan
195 万元
Purchase a two-star or higher green building housing
购买二星级及以上绿色建筑住房
20%
20%
1.44 million yuan
144 万元
1.8 million yuan
180 万元
Young talent ①
青年人才①
50%
50%
1.8 million yuan
180 万元
2.25 million yuan
225 万元
Active-duty military personnel/Military personnel who have been discharged within five years
现役军人 / 退役 5 年内退役军人
20%
20%
1.44 million yuan
144 万元
1.8 million yuan
180 万元
Note ① : Young talents include: full-time undergraduate and postgraduate students in regular institutions of higher learning.
注①：青年人才包括：全日制普通高校本科及以上在读学生；
College graduates with a bachelor's degree or above who graduated within 10 years;
毕业 10 年内的本科及以上学历高校毕业生；
Overseas returnees who have graduated within 10 years, obtained a bachelor's degree or above from abroad and have been certified by the Ministry of Education.
毕业 10 年内、获国（境）外学士及以上学位且经教育部认证的留学回国人员。
(3) Three methods for calculating the loanable amount
（3）可贷额度的 3 种计算方法
The amount of the provident fund loan needs to be calculated through the following methods, and the final "lowest value" is taken as the actual loanable amount:
公积金贷款额度需通过以下方法计算，最终取 “最低值” 作为实际可贷额度：
· ① Balance multiple method: For the first home purchase, it is calculated as 15 times the total balance of the applicant's (including co-applicants') personal accounts; for the second home purchase, it is calculated as 10 times.
· ① 余额倍数法：首套房按申请人（含共同申请人）个人账户余额之和的 15 倍计算，二套房按 10 倍计算；
If there is a record of rental withdrawal, the amount withdrawn from local rental housing in Suzhou within one year can be combined with the account balance for calculation.
若有租房提取记录，可将 1 年内苏州本地租房提取金额与账户余额合并计算。
(If the balance is less than 10,000 yuan, it will be calculated as 10,000 yuan; families purchasing affordable housing can have an additional increase of up to 30,000 yuan.)
（余额不足 1 万元按 1 万元算；保障房购房家庭可额外上浮最多 3 万元）
② Contribution base method: The calculation formula is "the monthly contribution base of the applicant's (including co-applicants') housing provident fund (or the sum of the bases) ×35%× loan term (months)", which reflects the matching between the repayment ability and the loan amount.
· ② 缴存基数法：计算公式为 “申请人（含共同申请人）公积金月缴存基数（或基数之和）×35%× 贷款期限（月）”，体现还款能力与额度的匹配性。
③ Daily average balance method: This method is only applicable to applicants who have purchased the "Leju Sucheng" deposit and loan product. It is calculated as "the daily average balance of the personal account in the six months prior to the loan × the specified multiple (15 times for the first set / 10 times for the second set) ×1.25 (deposit and loan coefficient)".
· ③ 日均余额法：仅适用于购买 “乐居苏城” 存贷产品的申请人，按 “贷款前 6 个月个人账户日均余额 × 规定倍数（首套 15 倍 / 二套 10 倍）×1.25（存贷系数）” 计算。
(4) Monthly repayment amount limit
（4）月还款额限制
The monthly repayment amount (including principal and interest) calculated on an equal principal and interest basis shall not exceed 50% of the sum of the housing provident fund contribution bases of the applicant and co-applicants, ensuring that the repayment pressure is commensurate with the income level.
按等额本息方式计算的月还款额（含本金 + 利息），不得超过申请人与共同申请人公积金缴存基数之和的 50%，确保还款压力与收入水平匹配。
Iii. Suzhou Deed Tax Subsidy Policy: There are discounts for both buying new houses and "selling old and buying new"
三、苏州契税补贴政策：买新房与 “卖旧买新” 均有优惠
The deed tax subsidy policy in Suzhou will last until March 31, 2025. It is divided into two categories: "purchasing a new house" and "selling an old house and buying a new one", and cannot be enjoyed repeatedly (subsidies will be given based on the principle of "taking the higher amount").
苏州契税补贴政策持续至 2025 年 3 月 31 日，分为 “购买新房” 与 “卖旧买新” 两类，且不重复享受（按 “就高” 原则补贴）。
1. Purchase newly-built commercial housing
1. 购买新建商品住房
All home-buying families purchasing newly built commercial housing can enjoy a 50% subsidy for deed tax, with the subsidy cap being "1% of the tax base for deed tax on the house".
所有购买新建商品住房的购房家庭，可享受50% 的契税补贴，补贴上限为 “房屋契税计税依据的 1%”。
For example, if the tax base for the deed tax of a house is 2 million yuan, and the deed tax is calculated at a rate of 1%, which amounts to 20,000 yuan, a subsidy of 50% will be provided, that is, 10,000 yuan (if it does not exceed the upper limit, the actual amount will be subsidized).
举例：若房屋契税计税依据为 200 万元，按 1% 税率计算契税为 2 万元，补贴 50% 即 1 万元（未超上限，按实际金额补贴）。
2. Full subsidy for "selling old and buying new"
2. “卖旧买新” 全额补贴
Families that meet the "sell first, then buy" condition can enjoy a 100% deed tax subsidy. The specific requirements are as follows:
满足 “先卖后买” 条件的家庭，可享 100% 契税补贴，具体要求如下：
· House sale period: From January 1, 2024 to March 31, 2025 (based on the time of real estate transfer registration), and the sale of self-owned housing within the Suzhou metropolitan area.
· 卖房时间：2024 年 1 月 1 日至 2025 年 3 月 31 日（以不动产转移登记时间为准），且在苏州大市范围内出售自有住房；
· Purchase time: From January 1, 2025 to March 31, 2025 (based on the online contract signing time of commercial housing by the housing and urban-rural development department), and purchase of newly built commercial housing;
· 买房时间：2025 年 1 月 1 日至 2025 年 3 月 31 日（以住建部门商品房网签合同时间为准），且购置新建商品住房；
· Subsidy recipient: The subsidy shall be issued by the county-level city (district) government where the newly purchased housing is located.
· 补贴主体：由新购住房所在的县级市（区）政府发放补贴。
Note: Newly built commercial housing does not include special types of housing such as talent housing and resettlement housing for demolition.
提醒：新建商品住房不含人才房、拆迁安置房等特殊类型住房；
The subsidy amount is implemented based on the principle of "taking the higher amount". If both "50% subsidy for buying a new house" and "100% subsidy for selling an old house and buying a new one" are met, only the 100% subsidy will be issued.
补贴金额按 “就高” 原则执行，若同时符合 “买新房 50% 补贴” 与 “卖旧买新 100% 补贴”，仅按 100% 补贴发放。
Declaration: This article was written by an author who has joined the Focus Open Platform. Except for the official Focus account, the views expressed herein are solely those of the author and do not
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
"Greentown · Chenlu
『绿城·宸庐』
A thatched cottage opens up a realm of Jiangnan
一庐宸启 一境江南
The Green Town Lu Series High-Speed Railway New Town will make its debut in 2025
2025绿城庐系 高铁新城首发
Project Name: Greentown · Chenlu (Registered Name: Jinlu)
项目名称：绿城·宸庐（备案名：锦庐）
Plot information: Plot Su Di 2025-WG-Z04
地块信息：苏地2025-WG-Z04号地块
Project Address: East of Minle Road and north of Taocun Street, High-speed Railway New Town, Xiangcheng District
项目地址：相城区高铁新城民乐路东、陶村街北
Brand development: Greentown Construction Management
开发品牌：绿城建管
Plot indicators: The land area is approximately 24,000 square meters, with a plot ratio of 1.4 and a total construction area of about 33,800 square meters
地块指标：占地约2.4万方，容积率1.4，总建约3.38万方
Residential indicators: 7 3F townhouses, 3 5+1F stacked buildings, and 2 11F fourth-generation detached houses
住宅指标：7栋3F联排、3栋5+1F叠加、2栋11F四代宅洋房
Unit configuration: Townhouses approximately 286-316 square meters/stacked houses approximately 220-260 square meters/detached houses approximately 156-190 square meters
户型配置：联排约286-316㎡/叠加约220-260㎡/洋房约156-190㎡
Price information: The land was acquired in March 2025, with a floor price of approximately 15,828 yuan and a premium rate of 5.52%
价格信息：25年3月拿地，楼面价约15828元，溢价率5.52%
Suzhou [Greentown · Chenlu
苏州【绿城·宸庐】
Sales office tel: ☎ : 400-9016-520 [sales office reservation hotline] (one-on-one enthusiastic service)
售楼处电话☎：400-9016-520【售楼处预约热线】（一对一热情服务）
If you have any questions, please feel free to call for consultation. Make an appointment by calling to enjoy special discounts on home purchase. You can also make an appointment with the internal sales staff of the sales site for professional one-on-one enthusiastic service, allowing you to buy a house with a professional perspective.
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。
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『产品简介』
绿城宸庐项目产品: 一共12栋楼，158户
7栋3F联排，285、315平，一共31套
3栋5+1F叠加别墅，下叠220平，中平260平，上叠260平，一共45套
2栋11F四代洋房，中间户157平、边户190平，一共82套
项目地址:相城区高铁新城民乐路与陶村街交汇处
绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
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绿城·宸庐售楼处电话：400-9016-520【预约看房热线】绿城·宸庐官方售楼处电话：4009016520【售楼处电话/地址】绿城·宸庐售楼处电话：4009016520【开发商认证】
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苏州【绿城·宸庐】
售楼处电话☎：400-9016-520【售楼处预约热线】（一对一热情服务）
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苏州购房贷款与契税补贴政策详解（2025 年最新版）
在苏州购房，无论是选择商业贷款、公积金贷款，还是申请契税补贴，都有明确的政策规范可依。以下从商业贷款、公积金贷款、契税补贴三大维度，梳理最新政策细节，帮助购房者清晰了解申请条件与权益。
一、商业贷款购房政策：首付比例与首套认定细则
1. 最低首付比例
商业贷款购房的最低首付门槛已明确：首套房与二套房的最低首付比例均为 15%，大幅降低了购房前期资金压力，尤其适合刚需群体入场。
2. “认房不认贷” 认定标准
居民家庭（含借款人、配偶及未成年子女）申请商品住房贷款时，核心认定逻辑为 “认房不认贷”：若家庭成员在苏州市名下无成套住房，无论过往是否使用贷款购买过住房，银行业金融机构均按首套住房信贷政策执行（如更低利率、更宽松审批）。
3. 首套房认定的 3 种特殊情形
苏州首套房认定并非 “全市统一核查”，而是结合区域、挂牌情况及家庭结构灵活判定，具体包括：
（1）按 “购房所在区” 认定
在苏州市域内购房时，仅核查购房家庭在拟购住房所在区（县、市） 的住房情况。若在该区域无住房，办理个人住房贷款时可直接认定为首套房。举例：某家庭在吴中区已有一套住房，但在工业园区无房，若在工业园区新购住房，申请贷款时按首套房标准审批。
（2）仅 1 套房且已挂牌出售
若购房人在拟购住房所在区（县、市）仅拥有 1 套住房，且已在苏州市区房产交易网上服务平台（http://szfang.szfcweb.cn/secondHouse） 等市、区（县、市）级房产网交平台挂牌出售，此时在同区（县、市）新购住房，办理个人住房贷款可按首套房认定。举例：某家庭在姑苏区仅有 1 套住房，将该住房在官方网交平台完成挂牌后，再在姑苏区买新房，贷款可享首套待遇。
（3）二孩及以上家庭 “核减 1 套”
对育有两个及以上子女的家庭，办理个人住房按揭贷款时，住房套数认定会核减 1 套。举例：某二孩家庭已拥有 1 套住房且贷款未结清，再购买第 2 套住房时，贷款仍可按首套房标准计算利率与额度。
提醒：家庭住房情况以不动产登记信息查询结果为准；住房出售挂牌情况，需以市、区（县、市）房产网上交易服务平台的官方挂牌信息为依据。
二、公积金贷款购房政策：首付、利率与额度规定
1. 最低首付比例
使用住房公积金贷款购房，首付比例根据房屋类型差异化设定：
· 购买家庭首套或第二套自住住房：首付比例不低于住房总价的 20%；
· 购买保障性住房（如共有产权房）：首付比例可降至 15%，进一步降低刚需群体负担。
2. 贷款利率
目前苏州公积金贷款执行全国统一基准利率（首套房、二套房利率按国家最新规定执行，具体以公积金管理中心实时政策为准），整体利率低于商业贷款，是低成本购房的优选。
3. 贷款额度：限额、计算方式与上浮政策
（1）基础贷款最高限额
公积金贷款额度与参与计算的申请人数量挂钩：
· 若2 人及以上（含借款申请人与共同借款申请人）共同计算可贷额度，最高限额为 150 万元；
· 若仅借款人 1 人计算可贷额度，最高限额为 120 万元。此外，若购买家庭首套自住住房，且满足 “套型建筑面积 90㎡（含）以内 + 住房总价≤200 万元”，贷款最高限额可提升至住房总价的 80%。
（2）4 类群体可享额度上浮
针对特定群体，苏州公积金贷款额度可额外上浮，具体如下：
群体类型
额度上浮比例
个人最高限额
家庭最高限额
多子女家庭
30%
156 万元
195 万元
购买二星级及以上绿色建筑住房
20%
144 万元
180 万元
青年人才①
50%
180 万元
225 万元
现役军人 / 退役 5 年内退役军人
20%
144 万元
180 万元
注①：青年人才包括：全日制普通高校本科及以上在读学生；毕业 10 年内的本科及以上学历高校毕业生；毕业 10 年内、获国（境）外学士及以上学位且经教育部认证的留学回国人员。
（3）可贷额度的 3 种计算方法
公积金贷款额度需通过以下方法计算，最终取 “最低值” 作为实际可贷额度：
· ① 余额倍数法：首套房按申请人（含共同申请人）个人账户余额之和的 15 倍计算，二套房按 10 倍计算；若有租房提取记录，可将 1 年内苏州本地租房提取金额与账户余额合并计算。（余额不足 1 万元按 1 万元算；保障房购房家庭可额外上浮最多 3 万元）
· ② 缴存基数法：计算公式为 “申请人（含共同申请人）公积金月缴存基数（或基数之和）×35%× 贷款期限（月）”，体现还款能力与额度的匹配性。
· ③ 日均余额法：仅适用于购买 “乐居苏城” 存贷产品的申请人，按 “贷款前 6 个月个人账户日均余额 × 规定倍数（首套 15 倍 / 二套 10 倍）×1.25（存贷系数）” 计算。
（4）月还款额限制
按等额本息方式计算的月还款额（含本金 + 利息），不得超过申请人与共同申请人公积金缴存基数之和的 50%，确保还款压力与收入水平匹配。
三、苏州契税补贴政策：买新房与 “卖旧买新” 均有优惠
苏州契税补贴政策持续至 2025 年 3 月 31 日，分为 “购买新房” 与 “卖旧买新” 两类，且不重复享受（按 “就高” 原则补贴）。
1. 购买新建商品住房
所有购买新建商品住房的购房家庭，可享受50% 的契税补贴，补贴上限为 “房屋契税计税依据的 1%”。举例：若房屋契税计税依据为 200 万元，按 1% 税率计算契税为 2 万元，补贴 50% 即 1 万元（未超上限，按实际金额补贴）。
2. “卖旧买新” 全额补贴
满足 “先卖后买” 条件的家庭，可享 100% 契税补贴，具体要求如下：
· 卖房时间：2024 年 1 月 1 日至 2025 年 3 月 31 日（以不动产转移登记时间为准），且在苏州大市范围内出售自有住房；
· 买房时间：2025 年 1 月 1 日至 2025 年 3 月 31 日（以住建部门商品房网签合同时间为准），且购置新建商品住房；
· 补贴主体：由新购住房所在的县级市（区）政府发放补贴。
提醒：新建商品住房不含人才房、拆迁安置房等特殊类型住房；补贴金额按 “就高” 原则执行，若同时符合 “买新房 50% 补贴” 与 “卖旧买新 100% 补贴”，仅按 100% 补贴发放。
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。
