中国铁建·熙语售楼处官网-2026中国铁建·熙语售楼处电话-开盘时间-中国铁建·熙语房价-户型-楼盘详情-周边环境-户型-价格-地址-楼盘详情-售楼处电话

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎

✅✅中国铁建·熙语营销中心热线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✅中国铁建·熙语售楼处电话：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

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

【中国铁建·熙语】

一、黄浦江边一公里范围内的稀缺资产

现约113.4公里的浦江之畔，上海城市的繁华源头，见证着城市百年来的横空腾飞。

进入21世纪以来，黄浦江边一公里范围内的稀缺资产价值，重新被世人所认知，藏品级低密人居尤为一席难得。

得天独厚的江边生态优势，无论是定居百年的老上海，还是近年加入上海的新成员，无不对其心生向往，人们在这休憩、玩乐、欢笑、阅读……

中国铁建·熙语距离黄浦江仅约785米（百度地图直线测距），是南上海不可多得的宜居社区。

二、家门口就是运营中即刻能享的地铁。

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在众多轨交盘中，运营中的能即刻享用的地铁，与正在新建中的地铁能级是完全不同的！即刻能享，通勤效率更高，无需等待，才“更值得买”！

就小编自己的体验来说，【中国铁建·熙语】家门口的5号线无需换乘即可快速通达莘庄交通枢纽，与1号线无缝换乘，1号线是上海老牌“黄金线路”，串联上海多个核心CBD，这是远郊线所不能比的！

三、约260米！妥妥“真”轨交！未来还有双轨环绕！

上海楼市不缺轨交盘，缺的是距离近的真轨交盘！

很多时候我们把直线距离1.5km的都算作轨交盘，但实际步行试试，没个十几分钟下不来，也因此距离轨交更近的，也更稀缺。

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

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【中国铁建·熙语】距离5号线西渡站仅约260米，另外15号线南延伸在西闸公路也有预留站点，未来项目有望双轨环绕，翻遍上海在售、待售轨交盘，TA完胜！

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

5号线西渡站260米，真正的轨交盘中铁建西渡项目——【中国铁建熙语】热销中！

推售建面约81-148㎡高层/叠墅

过会均价47587元/m²

81-91-100-123m²高层总价约291万起

135-148m²叠墅总价约680万起！

现房（2025年12月1日交付），均实景呈现，所见即所得！

仅为方案阶段示意图

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

户型图赏鉴

建面约81㎡2房功能齐全，拥有朝南大面宽和全卧飘窗设计。

很适合小两口和小太阳家庭，上车价格非常温柔，300多万以往只能看非常偏远乡镇板块，如今能买一站闵行的地铁房，能级高太多，何必再看其它！

建面约91㎡3房2卫，三开间朝南，客餐厅连通大阳台，四飘窗设计，好户型该有的素质它都有。

“2卫”设计，比常规户型多配置出一个卫生间，并将洗漱台盆设置在公共空间中，可以有效解决“排队上厕所”的生活痛点，同时满足「2人上厕所+1人洗漱」的生活场景。

由此，不管是三口之家，还是三代人同居，都能有效提高空间使用效率，升级生活舒适度。

建面约100㎡3房2卫，阳光三房，同等面积更多功能；宽幅南向观景阳台，把居住变成风景；步入式衣帽间，给予生活更多从容。

建面约121㎡ 4房2厅2卫，宽境4房，拓宽空间尺度；大开间、进深短，通透采光；主卧独立卫浴，优雅随心的寝居感受。

除此之外，项目还有建面约135㎡3房2厅3卫上叠、建面约148㎡4房2厅3卫中叠以及建面约148㎡4房2厅3卫下叠。叠墅产品上有露台下有庭院！

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

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事实上，叠墅在整个奉贤和闵行拥有很强的稀缺性：

奉贤5号线沿线，从西渡到肖塘再到奉贤新城几乎都是清一色高层，没有别墅；

效果示意图

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

更值得点赞的是它的装修标准，如果说地铁房是占了地利，那高装标妥妥就是中国铁建高诚意的表达以及再造西渡标杆的决心。

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。

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

划重点：

据了解，预计总价300-400万级的中国铁建·熙语竟然使用了汉斯格雅、杜拉维特、威能等中环内高端住宅才会用到的品牌。

特别在使用频次很高的卫生间、厨房，皆为高配，保证了业主后期的使用体验感。

比如卫浴，洗脸盆、座便器都选用杜拉维特；洗脸盆龙头、淋浴龙头用的都是汉斯格雅。

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

在厨房，配置摩恩的洗涤盆、洗涤盆龙头（可抽拉）；灶具、吸油烟机均为老板品牌，值得一提，项目配备了同级少有的洗碗机。

东芝中央空调、威能地暖、百朗新风三大件也是标配！实话讲300-400万级新房配地暖的并不多，但要是买时不配备，后期加装可太难了。

有句话叫：“我可以暂时不用，但你不能没有”，地暖也是这样。

另外，很多细节的交付让人倍感暖心！

比如，玄关柜、浴室柜+镜柜都是交付标准，你不用后期去家装店定制，甚至花时间配色；厨房还贴心配备安吉尔净水器和西顿凉霸。

总得来说，在卫浴、厨房层面，项目装修质感比肩中环内高端住宅，其它配置也属于同级上乘水平。可以看得出中国铁建在项目身上下足了血本。

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

土拍回顾及规划

2023年4月20日，上海第一批集中供地土拍，奉贤西渡街道D-01-11区域地块【即中国铁建熙语】被中铁建以总价23.472亿元成功竞得，成交楼板价19740元/㎡，溢价率9.66%，联动价42850元/m²。

项目东至扶拦路、南至D-01-13（中铁建香榭国际）、西至南横泾、北至西闸公路。

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

根据设计方案显示，项目拟建15幢高层单元式住宅（含1幢20层保障房）、10幢多层单元式住宅（5层叠墅）、9幢社区配套等。

当钢筋水泥的森林困住向往自然的灵魂，中国铁建·熙语，怀揣着对生活的深度哲思，在高密度的城市生活中融入更多绿意空间，围绕花园生活展开园林的设计语汇，在自然与艺术的碰撞下，绽放诗性而静谧的生活气息，为身居都市的你打造一座美好自由的诗意大境。

△项目南主入口实拍图

熙语以江南人文精神为源点，将自然融入生活点滴，打造两轴一环五进空间，合理规制社区轴线，以水为引，筑景成林，落地时代芯湾的花园日常。

“最好的建筑是这样的，我们居住其中，却感觉不到自然在哪里终了，艺术从哪里开始。”这是林语堂先生对建筑与环境的理解。

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

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熙语深研建筑与环境的关系，顺应项目地形特征，将景观串联起来，配合特色植物组团、艺术景墙、层叠绿化等，打造五进归家仪制，以渐进的仪式感与步移景异的沉浸式体验，激发对自然的更深层次观察和体悟，让归家成为一场穿越风景的旅行。

△实景示意图

从城市到归家的路，由繁华向静谧过渡，门口迎宾的飘枝罗汉松，虬曲自然，蜿蜒向上，以灵动的曲线提拉空间宏伟感，引领归家情绪的起点。

各式各样的艺术景墙映入眼帘，辅以仪式感排布的弯杆铁冬青树阵，树植掩映之间，呈现一幅热情且不喧闹的迎宾之姿，消弭城市喧嚣，礼遇进出的每一步。

△实景示意图

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

徜徉紫薇夹道，色彩明艳的紫薇花簇爬满花架，缠绕形成廊道空间，漫步于此，一天的奔波忙碌被满眼的自然画境舒缓，在风景游走中感知无限诗意。

无水不成园，水系始终是园林营造艺术的核芯脉络和灵魂所在。它不仅是物理意义上的水流，更是流淌在园林肌理中的诗意、哲学与时间。

有基于此，熙语师法自然，运用下沉、抬升、涌泉等不同手法，以水为引，通过水的多种形态，营造三大水景场域，解码花园生活中流动美学。

△实景示意图

珠宝般精致的涌泉水池、优雅的迎宾水景，居于社区主入口的视觉中心，涌动不止，生生不息，不动声色中别有一番艺术质感，成为社区的第一道靓丽风景线。

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横向延展的中庭水瀑，将视野宽度无限拉伸，以水的张力，撑开园林的空间感。飞溅的细密水雾在阳光下泛起缤纷的光，坐在中庭水瀑前，看着天空中舒朗的浮云，听到的却是山林里滴水击石的自然之音，让人不自觉地沉浸其中。

△实景示意图

社区中央，规划了一处经典的“蓝宝石”水景，长约28米的中央景观水池，以清澈莹润的镜面水质，倒映着镜花水月的奇妙意境。紧邻水池还设置了林下看护坐阶邀请着人们随时开启一场慵懒的水岸冥想，这不仅是一方可供观赏的宝石水境，更是未来邻里相聚、共享清凉的社交主场。

当线条的秩序，臣服于自然的韵律，每一缕光影，都在叙述生活的诗意。熙语策略性退让出公共尺度，为自然让渡出更多呼吸权，借此收获更完整的中央景观空间，保障景观视野通畅，打造约3000㎡中央园林，为业主提供多元素、多场景的户外活动空间。

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）△实景示意图

绿意葱茏的阳光大草坪，如一块柔软的绿色地毯，铺展在社区中央，环绕草坪栽种了丛生朴树等名贵树植，以开放之姿吸引人们共聚于此，这里不仅是业主家人们露营、漫步、自在游戏的专属欢乐场，更是毛孩子快乐撒野的绝佳场所！未来，还将融入艺术展览、跳蚤市场、社区电影等丰富活动，开启一段与万物亲密对话的旅程。

△实景示意图

作为建筑与园林的重要过渡——约170㎡景观廊架，草坡、绿植、挡墙、观景平台等元素交织在一起，弱化廊架边界，使自然景观更深度地融入，让空间有了情绪化的输出，交融日常之美，为热爱生活的人们，找到生活的另一重表达。

与草坪廊架对望的林下会客厅，让社交从室内延伸到室外，隐匿在自然之间，是极佳的下午茶举办地——约上三五好友，带上刚出炉的马卡龙，在绿荫树下，就这秋日的暖阳，打盹、喝茶、闲聊，平凡的下午便满溢草木花香。

△实景示意图

园林的营造，从不止于风景，中国铁建·熙语建面约81-148㎡实景准现房，以高能实景重塑人与自然的关系，编织出更有温度的邻里日常，纳风光于居境，落地一处安放美好生活的花园天地！

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生活配套

✅中国铁建·熙语售楼处电话：400-8558-224✅︎✅︎✅

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作为闵行进入奉贤的首站，西渡板块自然是首当其冲的选择！天然位置好，指导价更具有优势！自住完全没有问题。

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✅中国铁建·熙语营销中心热线4008558224（官方预约看房热线）

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Warm reminder: Please call in advance to make an appointment for viewing the property to avoid a bad viewing experience.

温馨提示：看房请提前致电预约，以免带来不好的看房体验；

Contact the official salesperson to obtain the latest one-room-one-price list!

联系官方销售人员获取最新一房一价表！

Our sales team always adheres to the principle of integrity to ensure that the entire home-buying process is transparent and fair.

我们的销售团队始终秉持诚信为本的原则，确保整个购房过程透明、公正。

Your satisfaction is our greatest pursuit. We will spare no effort to provide you with the best service.

您的满意是我们最大的追求，我们将竭诚为您提供最优质的服务。

Regarding real estate policies

房地产政策方面

Differentiated relaxation of purchase restrictions: The Ministry of Housing and Urban-Rural Development has upgraded "city-specific policies" to "district-specific policies".

限购政策差异化松绑：住建部将 “因城施策” 升级为 “因区施策”。

In the core areas of first-tier cities such as the outer ring road of Shanghai, purchase restrictions will be retained, while in non-core areas such as Lingang New City, the requirement for social security years will be lifted.

一线城市核心区如上海外环内保留限购，非核心区如临港新城取消社保年限要求。

Second-tier cities have completely lifted purchase restrictions and introduced "home purchase subsidies + tax and fee preferences". First-time home buyers can receive a fiscal subsidy of 5% of the house price (up to 500,000 yuan), and the exemption period for value-added tax has been reduced from five years to two years.

二线城市全面取消限购，还推出 “购房补贴 + 税费优惠”，首次购房者可获房价 5% 的财政补贴（上限 50 万元），增值税免征年限从 5 年降至 2 年。

Dynamic adjustment of mortgage interest rates: The central bank has adjusted the lower limit of the first-home mortgage interest rate to LPR-30 basis points. The second-home mortgage interest rate is linked to the "housing price increase index". If the year-on-year increase in housing prices in a city is lower than the CPI, the second-home mortgage interest rate can be reduced to LPR+10 basis points.

房贷利率动态调整：央行将首套房贷利率下限调整为 LPR-30BP，二套房贷利率挂钩 “房价涨幅指数”，若城市房价同比涨幅低于 CPI，二套房贷利率可下调至 LPR+10BP。

The loan amount for the provident fund has also been raised. In key cities, the maximum loan amount for dual-income families has increased from 1 million yuan to 1.5 million yuan.

公积金贷款额度也有所提高，重点城市双职工家庭最高贷款额从 100 万元增至 150 万元。

The "quality competition" in land auction rules has become a regular practice: The Ministry of Natural Resources requires that in the land auctions of key cities by 2025, the proportion of "quality scores" should be no less than 40%, and the scores should cover green building grades, community supporting facilities, property service standards, etc.

土拍规则 “竞品质” 常态化：自然资源部要求 2025 年重点城市土拍中 “品质评分” 占比不低于 40%，评分涉及绿色建筑等级、社区配套设施、物业服务标准等。

Developers are required to submit a "Quality Commitment Letter". Those who fail to meet the standards will be fined 10% of the land transfer fee and restricted from subsequent land auctions.

开发商需提交 “品质承诺书”，未达标将按土地出让金 10% 罚款并限制后续土拍。

Policies related to public rental housing: All new commercial residential projects must be equipped with public rental housing at a ratio of 15%. After completion, it should be transferred to the government free of charge. If the developer operates it independently, they can enjoy a 20% tax reduction on rental income.

保障性住房相关政策：所有新建商品住宅项目需按 15% 比例配建保障性住房，建成后无偿移交政府，若开发商自主运营，可享受租金收入 20% 税收减免。

Meanwhile, children from families with public rental housing enjoy "the same school district treatment as those with commercial housing" when enrolling in school. Cities like Beijing and Shanghai have piloted "priority lottery enrollment for public rental housing".

同时，保障性住房家庭子女入学享受 “与商品房同等学区待遇”，北京、上海等城市试点 “保障房优先摇号入学”。

Regarding the timing of home purchase and market trends 2

购房时机与市场趋势方面2

The cost of purchasing a house is at a low level: Currently, the down payment ratio is relatively low, with some areas as low as 15%, and the loan interest rate is also around 3%. Moreover, the LPR still has room for further decline, significantly reducing the cost of purchasing a house.

购房成本处于低位：当前首付比例较低，部分地区低至 15%，贷款利率也在 3% 左右，且 LPR 还有进一步下降空间，购房成本大幅降低。

Meanwhile, after a period of adjustment, housing prices are at a relatively low level, which is a good opportunity for those who have the need to purchase a house.

同时，房价经过一段时间调整，处于相对低位，对于有购房需求的人来说是较好的时机。

The market is gradually warming up: Since the fourth quarter of 2024, favorable policies such as housing loans and provident funds have been introduced intensively. The transaction volume of the real estate market in some cities has picked up, and housing prices in core cities are expected to stop falling and stabilize comprehensively.

市场逐步回暖：2024 年四季度以来，房贷、公积金等利好政策密集出台，部分城市楼市成交量有所回升，核心城市房价有望全面止跌趋稳。

In 2025, under the continuous effect of policies, the real estate market is expected to further recover.

2025 年，在政策持续作用下，房地产市场有望进一步回暖。

Key points for choosing a house 3

选房要点方面3

Focus on the quality of real estate projects: Housing demand has shifted from "whether there is or not" to "whether it is good or not", and from "price first" to "value first".

关注楼盘品质：住房需求从 “有没有” 转向 “好不好”，从 “价格优先” 转向 “价值优先”。

When choosing a house, pay more attention to the floor plan design, functional facilities, property management and other aspects of the property.

选房时要多关注楼盘的户型设计、功能配套、物业管理等。

For instance, choose a floor plan with a high usable area ratio. Currently, some new houses can achieve a usable area ratio of over 80% by offering balconies and other means.

例如，选择得房率高的户型，目前一些新房通过赠送阳台等方式，得房率能超过 80%。

When considering the community environment: The ecological environment of the community and the level of property management are becoming increasingly important. The "park-style living experience" where one can see greenery when opening the window, scenery when stepping out, and a garden at every corner is the ideal choice.

考量小区环境：小区生态环境和物业管理水平日益重要，推窗见绿、出门见景、转角见园的 “公园式居住体验” 是理想选择。

For instance, the "Yuhujing" product series of Longfor integrates the five overlapping environments of light, sound, stone, forest and water into its design, and is also equipped with a central park in the form of a central axis.

如龙湖 “御湖境” 产品系列，将光、声、石、林、水五重叠境融入设计，还配置中轴式中央公园。

Emphasize the strength of developers: Strong real estate enterprises are more capable of building and delivering products that precisely match market demands, and the quality of houses and after-sales services are more guaranteed.

重视开发商实力：实力房企更有能力构建和交付与市场需求精准匹配的产品，房屋质量和后期服务更有保障。

For instance, Longfor Group has been consistently ranked among the "Top 10 Chinese Real Estate Development Enterprises in terms of Comprehensive Strength" for many consecutive years and has maintained a green rating in the "Three Red Lines", demonstrating a strong delivery capacity.

例如龙湖集团连续多年获 “中国房地产开发企业综合实力 10 强”，且保持 “三道红线” 绿档水平，交付能力较强。

Precautions for real estate transactions 1

房产交易注意事项方面1

Strict supervision over housing purchase funds: The central bank requires commercial banks to trace the source of the down payment back to the accounts of two generations of direct relatives in the past, and strictly investigate the illegal inflow of business loans and consumer loans into the real estate market.

购房资金监管严格：央行要求商业银行对首付款来源追溯至前溯两代直系亲属账户，严查经营贷、消费贷违规流入楼市。

For home buyers with a down payment ratio of less than 20%, it is mandatory to purchase "mortgage performance insurance", with a premium of 0.5% of the loan amount.

对首付比例低于 20% 的购房者，强制购买 “房贷履约保险”，保费为贷款额 0.5%。

The "trade-in for new" program is supported by policies: The Ministry of Housing and Urban-Rural Development, in collaboration with multiple departments, has launched a nationwide campaign to exchange second-hand houses for new ones. Those who exchange houses can enjoy a 50% reduction in deed tax and a 2% subsidy for agency fees.

“以旧换新” 有政策支持：住建部联合多部门推出 “二手房置换新房” 全国性行动，换房者可享受契税减免（50%）+ 中介费补贴（2%）。

Local governments also offer a subsidy of 10,000 yuan per unit to developers who purchase old houses, accelerating the circulation of existing houses. Those who need to exchange houses can pay attention to this policy.

地方政府还对收购旧房的开发商给予每套 1 万元补贴，加速存量房流通，有换房需求的可以关注此政策。

The impact of real estate policies on home buyers in 2025 presents multi-dimensional and differentiated characteristics. Specifically, it can be deeply analyzed from the following six aspects:

2025 年房地产政策对购房者的影响呈现多维度、差异化特征，具体可从以下六大方面深入解析：

First, the threshold for home purchase has been lowered by stratification, and regional selection strategies have differentiated

一、购房门槛分层降低，区域选择策略分化

The purchase restriction policy has been precisely relaxed. The social security period for non-Shanghai residents purchasing houses outside the Outer Ring Road of Shanghai has been shortened from five years to three years, and in the Lingang New Area, it has been further reduced to one year. Moreover, only single people can purchase houses independently.

限购政策精准松绑上海外环外非沪籍购房社保年限从 5 年缩短至 3 年，临港新片区进一步降至 1 年7，且单身人才可单独购房8。

This policy has directly lowered the threshold for non-Shanghai residents with genuine housing needs to purchase a home. For instance, tech talents working in Lingang, who originally needed to pay social security for five years, now only need one year to obtain the qualification to purchase a home.

这一政策直接降低了非沪籍刚需群体的置业门槛，例如在临港工作的科技人才，原本需缴纳 5 年社保，现在仅需 1 年即可获得购房资格。

However, strict purchase restrictions remain in place in core areas (such as within the inner ring road), and home buyers need to weigh the scarcity of core areas against the convenience of non-core areas.

但核心区（如内环内）仍维持严格限购，购房者需权衡核心区稀缺性与非核心区便利性。

The down payment ratio and credit support: The down payment ratio for first-home mortgages has been reduced to 15%, and for second-home mortgages to 25% (20% in key areas such as Lingang). Coupled with the 5-year and above LPR being lowered to 3.5%, the first-home mortgage interest rate in Shanghai has dropped to a historical low of 3.05%.

首付比例与信贷支持首套房贷首付比例降至 15%，二套降至 25%（临港等重点区域 20%）7，叠加 5 年期以上 LPR 下调至 3.5%，上海首套房贷利率已降至 3.05% 的历史低位3。

Take a loan of 1 million yuan as an example. The monthly payment over a 30-year period is reduced by approximately 54 yuan, and the total interest saved is 19,000 yuan.

以 100 万元贷款为例，30 年期月供减少约 54 元，总利息节省 1.9 万元3。

For families with multiple children, the maximum amount of the provident fund loan can be increased by 20% to 1.929 million yuan, significantly reducing the financial pressure on improvement-oriented demands.

对于多子女家庭，公积金贷款额度最高可上浮 20% 至 192 万元9，显著降低改善型需求的资金压力。

Second, the two-way adjustment of holding and transaction costs reshapes market expectations

二、持有与交易成本双向调整，重塑市场预期

The pilot program of the real estate tax may be deepened, and the scope of the pilot may be expanded to include groups holding multiple properties. By imposing differential tax rates (such as a 1.2% tax on high-end residences), the holding cost can be increased by 10%.

房地产税试点深化试点范围可能扩大至持有多套房产群体，通过差别税率（如对高档住宅按 1.2% 征税）增加持有成本10。

This will force investors to sell off properties in non-core areas. For instance, the number of second-hand houses listed in areas like Waigaoqiao in Pudong may rise, while high-quality assets in core areas are more resilient due to their scarcity.

这将迫使投资客抛售非核心区房源，例如浦东外高桥等区域二手房挂牌量可能上升，而核心区优质资产因稀缺性更具抗跌性。

Meanwhile, the pilot funds are used for the construction of affordable housing, indirectly diverting rental demand and easing the pressure of rising rents by 10%.

同时，试点资金用于保障房建设，间接分流租赁需求，缓解租金上涨压力10。

The exemption period for value-added tax on transaction taxes has been optimized from five years to two years, and the assessed collection rate for individual housing transfers has been reduced to 1%.

交易税费优化增值税免征年限从 5 年降至 2 年，个人转让住房核定征收率降至 1%7。

Take a second-hand house that has been owned for two years and has a total price of 8 million yuan as an example. The value-added tax can be saved by approximately 440,000 yuan.

以一套满 2 年、总价 800 万元的二手房为例，增值税可节省约 44 万元。

Furthermore, the "trade-in for new" policy offers a 50% reduction in deed tax and a 2% subsidy for agency fees, significantly reducing the trade-in cost.

此外，“以旧换新” 政策提供契税减免 50% 和中介费补贴 2%9，显著降低置换成本。

For instance, those who are upgrading their houses in the Qibao area of Minhang can save approximately 120,000 yuan in taxes and fees by selling their old houses and then purchasing new ones.

例如，闵行七宝板块换房者通过出售旧房再购新房，可节省税费约 12 万元。

Third, the dual-track development of affordable housing and commercial housing is squeezing the "old, dilapidated and small" market

三、保障房与商品房双轨并行，挤压 “老破小” 市场

The proportion of construction and quality improvement: New commercial housing must be equipped with public rental housing at a ratio of 15%, and it is required to be delivered fully furnished.

配建比例提升与品质升级新建商品房需按 15% 比例配建保障房，且要求全装修交付6。

For instance, the affordable housing built in a certain project along the Xuhui Riverside adopts green building standards and shares community facilities with commercial housing. This might divert some of the first-time home buyers and further put pressure on the prices of the surrounding "old, dilapidated and small" buildings.

例如，徐汇滨江某项目配建的保障房采用绿色建筑标准，与商品房共享社区配套，这可能分流部分刚需客群，导致周边 “老破小” 价格进一步承压。

At the same time, children from families with affordable housing enjoy the same school district treatment, which may weaken the premium space of traditional school district housing.

同时，保障房家庭子女享受同等学区待遇6，可能削弱传统学区房的溢价空间。

The diversion effect in the rental market is intensifying. In 2024, Shanghai will add 16,000 units of public rental housing, with rents 20% to 30% lower than those of commercial housing in the same area.

租赁市场分流效应加剧2024 年上海新增 1.6 万套保租房，租金较同地段商品房低 20%-30%5。

For instance, in Zhangjiang area, due to the increased supply of public rental housing, the proportion of tenants moving out has risen, forcing landlords to lower their prices or upgrade their facilities.

例如，张江地区租客因保租房供应增加，退租比例上升，倒逼房东降价或升级硬件。

This has led to a 15% to 20% drop in rents for "old, dilapidated and small" properties in the old urban area. Some investors have turned to selling their properties, further intensifying the differentiation in the second-hand housing market.

这导致老城区 “老破小” 租金下跌 15%-20%，部分投资者转向出售房源，进一步加剧二手房市场分化。

Iv. Regional development policies Reconstruct the value system of home purchase

四、区域发展政策重构购房价值体系

The five new towns are accelerating the realization of the goal. New towns such as Jiading and Qingpu are gradually achieving a balance between work and residence through the introduction of industries (such as Jiading United Imaging Medical and Qingpu Oriental Life Port) and the upgrading of transportation (such as Jiamin Line).

五大新城加速兑现嘉定、青浦等新城通过产业导入（如嘉定联影医疗、青浦东方生命港）和交通升级（如嘉闵线），逐步实现职住平衡12。

By 2025, 26 new primary and secondary schools and kindergartens will be added in the new town, and the construction of Grade-A tertiary hospitals will be accelerated, attracting first-time home buyers.

2025 年新城新增中小学、幼儿园 26 所，三甲医院建设加速12，吸引刚需购房者。

For instance, the average price of new houses in Jiading New Town is approximately 45,000 yuan per square meter, with a total starting price of 2 million yuan, making it the main choice for young families.

例如，嘉定新城新房均价约 4.5 万元 / 平方米，总价 200 万起，成为年轻家庭的主要选择1。

The premium for urban renewal in the core area and the renovation of "two old and one village" have released high-quality land plots. For instance, the floor price of the Xuhui Longhua plot has reached 126,000 yuan per square meter, and the unit price of new houses in the future may exceed 200,000 yuan per square meter.

核心区城市更新溢价“两旧一村” 改造释放优质地块，例如徐汇龙华地块楼板价达 12.6 万元 / 平方米，未来新房单价或破 20 万元 / 平方米1。

Urban renewal projects enhance living quality and consolidate their advantages in the high-end market through green building technologies (such as low-carbon technology platforms) and intelligent community management.

城市更新项目通过绿色建筑技术（如低碳技术平台）和智能化社区管理，提升居住品质，巩固高端市场优势。

Home buyers should pay attention to the long-term appreciation potential of scarce assets in the core area, while being vigilant about the liquidity risk brought about by high total prices.

购房者需关注核心区稀缺资产的长期增值潜力，同时警惕高总价带来的流动性风险。

V. The transformation of developers' strategies forces product upgrades

五、开发商策略转型倒逼产品升级

The land auction rules strengthen the quality orientation, with the "quality competition" score accounting for no less than 40%, involving green building grades, community facilities, etc.

土拍规则强化品质导向“竞品质” 评分占比不低于 40%，涉及绿色建筑等级、社区配套等2。

For instance, a certain project in Qingpu won the land auction due to its configuration of a central park with a central axis and an intelligent security system.

例如，青浦某项目因配置中轴式中央公园和智能安防系统，在土拍中胜出。

This means that in the future, new houses will pay more attention to the living experience. For instance, Longfor's "Yuhujing" series enhances its added value through a five-layer overlapping environment design. Homebuyers need to pay attention to the matching degree between the actual delivery standards of the property and the promises.

这意味着未来新房将更注重居住体验，如龙湖 “御湖境” 系列通过五重叠境设计提升附加值2，购房者需关注楼盘的实际交付标准与承诺的匹配度。

The supervision of real estate developers' funds is becoming stricter. The source of the down payment is traced back to the accounts of the direct relatives of the previous two generations. If the down payment ratio is less than 20%, mortgage performance insurance must be purchased.

房企资金监管趋严首付款来源追溯至前溯两代直系亲属账户，首付比例低于 20% 需购买房贷履约保险2。

This increases the difficulty of proving funds, especially for young home buyers who rely on their parents' financial support.

这增加了资金证明难度，尤其是依赖父母资助的年轻购房者。

It is recommended to prepare a complete financial statement in advance to avoid affecting the home purchase process due to incomplete materials.

建议提前准备完整的资金流水，避免因材料不全影响购房流程。

Vi. Long-term Trends and Response Strategies

六、长期趋势与应对策略

The market presents a pyramid structure. At the top are the scarce luxury residences in the core area (such as Greentown Chaoming Dongfang), in the middle are the planned new districts (such as the Five New Towns), and at the bottom are the far suburban areas with lagging supporting facilities.

市场呈现金字塔结构塔尖为核心区稀缺豪宅（如绿城潮鸣东方），中部为规划新区（如五大新城），底部为配套滞后的远郊板块1。

Home buyers need to weigh their options based on their own needs between the scarce assets in the core area and the potential areas in the new town.

购房者需根据自身需求，在核心区稀缺资产与新城潜力板块间权衡。

For instance, first-time home buyers can give priority to new towns like Lingang and Jiading, while those seeking to improve their living conditions can focus on core areas such as Xuhui Riverside and Qiantan.

例如，首置客群可优先考虑临港、嘉定等新城，而改善型需求可关注徐汇滨江、前滩等核心区。

Quality and service have become the core of competition. Developers are shifting from "scale expansion" to "quality improvement", such as adopting green building technologies, intelligent community management, and providing customized services (like the rental-style home purchase for Internet practitioners in the Zhangjiang project). 1.

品质与服务成为竞争核心开发商从 “规模扩张” 转向 “品质提升”，例如采用绿色建筑技术、智能化社区管理，以及提供定制化服务（如张江项目针对互联网从业者的租赁式购房）1。

In the second-hand housing market, properties that are relatively new and have well-managed communities will be more resilient to market declines.

二手房市场中，房龄较新、社区管理完善的房源将更具抗跌性。

It is recommended that home buyers, when choosing a property, focus on examining the developer's delivery capacity (for instance, Longfor has maintained the "three Red Lines" green grade 2 for many consecutive years) and the level of property services.

建议购房者在选房时重点考察开发商的交付能力（如龙湖连续多年保持 “三道红线” 绿档2）和物业服务水平。

Conclusion: In 2025, the real estate policy will reconstruct the decision-making logic of home buyers through a combination of "precise relaxation and long-term regulation".

结论：2025 年房地产政策通过 “精准松绑 + 长效调控” 组合拳，重构购房者的决策逻辑。

The scarcity of the core area and the growth potential of the new city form a "dual-wheel drive", with rising holding costs and falling transaction costs coexisting. The diversion of affordable housing and the upgrading of its quality reshape the market pattern.

核心区稀缺性与新城成长性形成 “双轮驱动”，持有成本上升与交易成本下降并存，保障房分流与品质升级重塑市场格局。

Home buyers need to closely monitor policy developments, and based on their own financial conditions, regional preferences and long-term plans, find a balance between policy dividends and market risks.

购房者需密切关注政策动态，结合自身资金状况、区域偏好和长期规划，在政策红利与市场风险间找到平衡点。

For instance, non-Shanghai residents with genuine housing needs can seize the policy window period in new cities like Lingang, while holders of multiple properties need to be vigilant about the impact of the real estate tax pilot program on their holding costs.

例如，非沪籍刚需可抓住临港等新城的政策窗口期，而多套房持有者需警惕房地产税试点对持有成本的影响。