招商序售楼处电话→2025宝山招商序售楼中心电话→招商序楼盘百科→首页网站→楼盘百科→首页网站→售楼处24小时热线电话

✅招商序售楼处电话：400-8558-224✅︎✅︎

✅✅宝山招商序营销中心热线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✅招商序售楼处电话：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

项目位于宝山区淞南镇郁江巷路198号，是招商蛇口打造的品质住宅，主打建面约100-143㎡的3-4房，精装交付，均价约6.82万/㎡，性价比不错。

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

招商序，正是这样一个现象级的存在。

“中环线地铁口占位+领创性多阳台产品+全球奢材兑现”构建起难以撼动的价值铁三角，自入市以来便口碑与销量齐飞，成功实现四开四捷的市场佳绩。这是产品力对市场的征服，是来自金融精英、高校教师、企业主等优质客群用行动投出的信任票。

重磅消息！

市场持续呼唤中

招商序迎来五批次火爆加推！

本批次聚焦难以复刻的7#「隐逸私邸」

以终极的私密、便利与藏品级户型

敬献珍藏席位！

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

PART1

7#「隐逸私邸」爆品登场

约112㎡户型 压轴推售

并非所有楼栋都能被称为“私邸”。此次加推的7#楼，以其兼具“私享”与“便捷”的稀缺特质，被赋予「隐逸私邸」之名。它不止是一处居所，更代言让身心皆可安放、出行从容有度的生活方式。

隐于繁华静处的私密，是第一重底色。

7号楼坐落于整体组团最内侧，天然形成一道静谧屏障。这里，归家之路即是一场从喧嚣步入宁静的仪式，最大程度保障了居住的私密性，成为社区中一方珍贵“静界”。

惟一贯通双层的便捷，是第二重内核。

它是全社区惟一可直通二层地下车库的楼栋！这项独家配置意味着：

车位游刃有余：归家动线无比流畅，无需辗转，从容直达。

服务一步到位：负二层专设洗车场地，未来将由物业提供专业洗车服务，无需远行，业主下楼即享尊驾养护，诠释真正意义的一站式尊贵生活。

当纯粹私密，遇上超配便利，便成就7#藏品级「隐逸私邸」。

收藏机遇，是第三重珍稀。

7号楼凝萃项目两大户型，其中，建面约112㎡三房迎来最终一次加推，自此封藏。本次是上车这款经典户型的最后机遇。

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

格局之ZUI：经典南北通透“飞机户型”，空气与光线自在穿行，室内清新明朗。

采光之极：南向三开间搭配南北三阳台，实现“揽光的无垠”与“功能的无限”。

功能之优：科学布局保证各空间尺度舒适，三间卧室均好性强，三代同堂各有天地，隐私互不打扰。

此次五批次，7号楼货量相对充分，为钟情于此的客户提供了更大的选择空间。机会，往往就在最后的压轴时刻。

与此同时，同楼的建面约143㎡边厅户型，则以约40㎡的可拓展巨厅、270°观景飘窗及三面环景的奢阔体验，满足对空间尺度与生活场景有更高要求的家庭。

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线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。

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

PART2

离市中心更近的超质价比板块

从房价地图观察，中环以内板块已全面进入"10万+时代"：传统热点区域房价直冲20万/㎡，新兴板块也以破竹之势站稳10万+门槛。对于追求百平三房的改善型客群而言，中环内核的置业门槛已悄然抬升至1000 万级——这意味着一套100㎡左右的三房户型，总价预算通常需要突破千万元大关！

在这样的市场背景下，招商序堪称颠覆想象的"性价比标杆"！

以空间高实用性，搭配三阳台与270°环幕飘窗的创新设计，在实现居住尺度突破的同时，均价6字头。较同环线项目，以“每平米单价差”的硬核实力，成为中环内核罕见的价值洼地。

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

此外，招商序所处淞南板块，正迎来能级跃迁的历史性机遇

交通动脉全面激活：

一路之隔的18号线长江西路站（在建）年底通车！在建的地铁18号线二期横向拉通了原本纵向不相连的四线地铁（1/3/18/19），淞南因此将成为区域轨交聚点，地铁密度堪比内环，1站江杨南路，5站复旦，7站五角场，让您快速抵达城市的各个核心区域。

“中环北抬”工程通过军工路、长江西路、沪太路三条快速路互联，重构浦西交通骨架。这项工程不仅延伸中环线，更通过立体路网打造串联宝山、杨浦、静安的「城市交通脊梁」。军工高架路主线已于10月11日开放通车，杨浦至宝山最快10分钟直达，直达宝山站与浦东机场。

重磅商业焕新升级：

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

与此同时，与招商序一路之隔的云瑞云锦城商业集群，正同步焕新升级，计划于新春华丽启幕，多家淞南首店的进驻，将推动高阶烟火与都会潮流在此交融共生，吸引无数人潮往来。

地铁疾速而来，商业焕新在即。交通赋能、商业升级、人流汇聚、活力迸发——淞南正在凝结为一个崭新的“潮流引力场”。这不仅意味着招商序「类TOD便捷生活方式」的全面兑现，更标志着板块正式迈入“地铁时代”，持续释放区域澎湃动能。

Part3.

玺序同源 豪宅级产品态度

招商序，以首席大师制，集结豪华大师团队共创，斥重金打造超规格人文造艺奢宅，在各维度上的表现，都是超配，都是比肩市区高端豪宅的规格。

自古以来，名门望族皆讲究以“礼”为制，以“仪”为序，招商序深谙人的崇礼之道，将“超规格礼序”贯彻到了极致！突破性打造六进制归家！

从门庭环岛落客的仪式，到迎宾楼的礼归，到精神游廊的情绪切换，到转换厅的空间变换，再到风雨连廊的闲庭信步，最后到酒店式入户大堂。这样的礼序递进让回家成为一场穿越风景的享受，彻底放松身心，仪式感拉满！

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

堪比内环鼎豪的公区配置

归家第一重仪式，便是约66米宽、约6.7米高的上海之冕门庭，以上海水位源点“吴淞零点”为灵感创造，这样的尺度，完全不输内中环千万级起步豪宅门头。

一方面，这样的超大门头能为您带给极致的豪宅归家仪式感，还刷新了区域的美学面貌。而在酒店式落客区之后，招商序打造了约4.5m高规制的大门与迎宾楼，给到了业主更多元和更具仪式感的归家场景。

此外更值得一提是，招商序创新式打造4层悬浮式下沉园林，整个立体庭园，汲取了海派大师邬达克封笔之作「曾经的远东第一豪宅-吴宅」精髓，力求“宅、园、水、院”立体交融，借天地之景，纳四时之变，将人间春色凝于一园。

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

点睛之笔在于4层悬浮式阶梯，设计理念据说来自全球十二大奢华酒店之一的迪拜丽晶公寓，每一个观景露台都种植着不同的植被，一步一景，更重要的是，不同的露台对应着不同的观景视野点，将不同高度的下沉式庭院景观，通过极其优雅的方式传递给了业主。这个归家体验可以说是拉满了！

招商序借鉴伦敦The Whiteley酒店，打造中央车站，将自然场景和室内设计彼此交融，形成具有仪式感的车行落客。

中央车站作为作为社区中央枢纽，连通社区的各个空间，缩短动线。目前这种设计仅存在于上海少量内环豪宅和五星级酒店中，让业主享受私密性的同时，还营造独一份的尊崇体验。

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

我们再来说会所，招商序的会所和架空层面积接近4000㎡，4000㎡是什么水平呢？

翠湖天地六期会所大概在5000平左右

融创外滩壹号院的架空层和会所大概在4500平

常来说只有鼎豪/旗舰项目的会所与架空层空间会≥4000㎡，且强调 “功能复合性+设计稀缺性”，招商序的4000㎡，已接近内环顶豪标准。

并且，招商序的会所还涵盖恒温泳池、健身房、室内高尔夫、私宴厅、棋牌室等多元空间，您可以在社区里运动、游泳、健身、会客、遛娃、学习、放松甚至是家庭聚餐，这才是改善，这才是更有格调的生活模式。

而且，招商序的会所，不对外营业，仅针对业主开放，极致的私享感！极致的服务！✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

此外招商序更堪称一座手作慢艺的殿堂，许多珍贵的非遗绝技于此重获新生。从入户大堂巨幅火烧金箔艺术画作、秸秆镶嵌精妙入微的艺术装置、到源于西周的螺钿工艺的流光溢彩，每一个艺术品与画作都有着在地文化的故事，通常只能在内环豪宅中方可见到如此之多的手工艺术品。

超规格实景招商强兑现

一切华丽的说辞，都比不上招商序呈现的实景更动人，从实景中你完全能感受到招商序的用料之扎实、之昂贵，绝对不逊色于任何一个市区豪宅，而这样的实景能快速落地，是招商力的体现。

整个公区引入沉香米黄、透光云石、安哥拉黑、福鼎黑、橙皮红、宝格丽紫等近二十种全球奢石，宛如一座流动的奢石博物馆。

还有门口的朴树与油橄榄，是设计师还千里跋涉至陇南的深山精选的，需要满足树形好、树龄好的油橄榄，一棵就价值几十万。

重重叠加的超规格，成就了不可复制的招商序。均价6字头即可入席，如此性价比实属千载难逢！

总结一下，地铁口的便捷占位、三阳台的独一份设计、比肩高端豪宅的审美和公区用料...都证明了招商序的产品力在上海，真的算是迭代到了最新款，开创了新的时代。

所以，买到了TA，不仅将实现越级的改善，更是成为整个淞南未来改善的终点。

18号线口长江西路站（年底通车）真地铁房

1500平会所与2500平架空层

三阳台+270度主卧飘窗

约112㎡人气压轴收藏

五批次加推在即

感兴趣的千万抓紧

✅招商序售楼处电话：400-8558-224✅︎✅︎✅

✅宝山招商序营销中心热线4008558224（官方预约看房热线）

招商序售楼处电话：400-8558-224【售楼中心热线】招商序营销中心热线4008558224招商序售楼处地址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，欢迎提前预约拨打招商序售楼处电话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。