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✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎

✅✅招商时代潮派营销中心热线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✅招商时代潮派售楼处电话：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

招商时代潮派是招商蛇口在松江泗泾打造的TOD综合体，主打9号线地铁上盖和全配套生活圈，适合通勤和改善需求。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

9号线泗泾站旁，招商泗泾TOD项目——【招商时代潮派】开盘热卖中！

用一座超能级TOD作答西上海新中芯！

城市，对于未来的探索从未停止，一个建筑，一条地铁，一座商业，乃至一条街巷总是或多或少缺乏对于理想生活的想象，时代需要更大规模的践行，而TOD的到来，完美解决了这一问题。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

面对“五大新城”以及泗泾2035规划大型特色轨交TOD的战略背书，【招商时代潮派】以新一代TOD4.0集约式复合开发，打造西上海卓越城市进程的战略支点，产城融合高品质发展样板支点，构建15分钟生活圈的区域支点一座领潮时代的TOD大城呼之欲出。

阅遍世界各大顶级TOD的【招商时代潮派】，这一次站在巨人的肩膀上，汲取了日本南町田与西九龙TOD的开发模式，跨越TOD1.0车站模式、TOD2.0站楼一体化、TOD3.0的站城一体化，打造站、城、人一体化的TOD4.0模式带来一场城市界面的迭新与生活方式的焕新！

一座TOD“微缩之城”

一处理想生活新地标

建面约91-127m²3-4房

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

过会均价50756元/m²，总价420万起！

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

户型图赏鉴

“南向双阳台+南北双飘窗”，构筑真3房户型！

先来看南次卧：

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

这个卧室里放下了一张双人床、一个梳妆台、阳台上还能放休闲座椅和小茶几。

妥妥的“建面约100㎡以上户型的主卧级尺度”。

其次，南向主卧：

整个主卧尺度感是非常宽绰的，加上飘窗带来的视野延展以及收纳空间，居住舒适度拉满。

如果是边套的主卧，还会有一个约270°的转角飘窗，尺度感和实用性更上一层楼。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

再来看北次卧：

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

虽然样板间做了一个书房，但如果是爸妈偶尔来住一样，或者做一个儿童房，也是绰绰有余的。

这样一个低总价、高实用性的产品，却保证了业主所有的生活需求。给了业主一个真正一步到位上车TOD真3房的机会，真的是性价比很高。

S墙设计，释放厨房空间，小户型也能放下双开门冰箱！

市场上绝大多数建面约91㎡的3房户型，小厨房+单开门冰箱是标配。对于一生爱囤货的中国人来说，如此格局只能说“需要忍受”。

为此，招商·时代潮派|东屿设计了一面S墙，可以放下一个超大的双开门冰箱。

同时把原本冰箱的空间都留给了厨房，让业主有更多的空间进行烹饪。

说完户型，我们再来看一下项目的精装和收纳：

招商·时代潮派|东屿的收纳，几乎是做到了极致。

首先是厨房：

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

不管是小碗、大碗还是其他特殊餐具，都有不同的大小规格的抽屉可供整齐的摆放。让整个厨房的空间，得到充分的“扩容”。

满足业主对于烹饪、收纳的所有需求。

其次还有玄关部分：

玄关收纳更精细，每个格子的规划都很贴近生活，随手物件、女主人的高靴、扫地机器人等都有各自安置空间。

同时玄关柜底部也特意做了镂空，可以摆放拖鞋、换洗的鞋子、摆放扫地机器人等都很实用。

卫生间收纳也是相当出色：

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

尤其是卫生间的镜柜，使用了内外双镜，并且内部的收纳空间相当丰富，小到女主人的发箍、面膜、口红、香水，大到吹风机都有适合的位置。

并且，还配备了一个美妆冰箱，可以收纳昂贵、需要冷藏的化妆品等。

另外，项目在整个居住空间设计了更实用的壁龛，包括卫生间、厨房等。

在同样的空间内，构造出了更多的收纳空间，这就是匠心，这就是招商对于人居更深层次的思考。

建面约103㎡户型，堪称市场上的“颠覆者”。

除了标准的三开间朝南之外，项目还采用了S墙设计，释放了厨房空间，让小户型也能放下门冰箱。

值得一提的是，该户型做到了“南向双阳台+南北双飘窗”的设计，在实用性上超越了市场上许多同面积段的产品。

约7.7米的双阳台，超大横厅，如此尺度感在市面上一般只会出现在建面约120㎡以上的户型中，而招商在建面约103㎡户型中就能实现！

另外，南向双阳台的设计意味着，业主可根据自己的喜好灵活打造全龄空间。

比如，你可以将次卧与阳台联通，从而达到“双主卧”的效果；如果你想生活更丰富，可以将两个南向阳台打通，超大尺度观景阳台，室外风景一览无遗。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

建面约127㎡的改善户型将私密与舒适的完美融合，畅享无限拓展生活空间。

首先一进门，映入眼帘的并非开阔的客厅，而是一个精心设计的玄关，这一巧妙设计，充分保障了居住的私密性。

超大横厅设计和南北次卧均连接阳台的设计，为客厅的拓展提供了得天独厚的条件。

一是可以将客厅与次卧进行打通，进一步扩大客厅的面积，打造一个更加宽敞舒适的休闲空间。

在这个拓展后的客厅中，你可以设置一个家庭影院，与家人一起享受精彩的影视盛宴；也可以打造一个健身区，满足自己的运动需求。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

二是将南北次卧与阳台相链接的设计，为卧室的拓展提供了更多的可能。

你可以在阳台上设置一个小型的工作区或学习区，对于有孩子的家庭来说，还可以在阳台上设置一个儿童游乐区，让孩子在这里尽情玩耍。

而这种人性化的设计，充分考虑了中国家庭的生活习惯，提升了居住的舒适度。

最后，在精装层面，项目走的依旧是高奢范：

松下或日立或东芝或三菱或同等品牌的空调地暖两联机；

百朗或同等品牌的新风系统；

方太或同等品牌的燃气灶+油烟机+洗碗机；

主卫科勒或TOTO或同等品牌的台盆、台盆龙头；

高仪或科勒或同等品牌（仅主卫或单卫户型配置）的智能马桶、恒温花洒等国际高定装标在招商·时代潮派|东屿中聚首，确保业主后期使用体验。

整个项目的精装品质和收纳设计真的是超配般的存在。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线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。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

社区方面，项目本次推出的是17-07地块：

这个社区有几点重点，帮大家拎一下：

占位上：整个社区的北侧与东侧双面环水、西侧是商业，不止有繁华的城市街景，更有滨水风光，光这个社区的占位和天赋，就已经足够出色。

立面上：整体立面风格以现代为主，使用香槟色铝板的框与线组合设计，搭配转角处的弧形元素，使造型更丰富的同时，给人更亲和的立面感受。

归家仪式上：社区主入口借鉴了高定酒店式的入口氛围。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

顶部采用香槟金色的斜角造型铝板，搭配手工打磨的星空顶及氛围灯，地面铺设仿石砖，墙面基调则借鉴了华尔道夫酒店的浅米黄色系大理石，并配以精致的礼仪灯设计。

不管是用料、颜值、审美力，都展现出了星级酒店式的尊贵归家仪式感。

同时，入户大堂立面造型延续了主立面的框与线结合，飘顶弧形雨棚，组成高定入户大堂，增加入户仪式感。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

景观方面，整个社区景观结构通过精心规划的“一带一街一堂一核四园多户多庭”空间构架，使得自然与艺术完美融合。

这里有“艺术家乐园”为主题的儿童乐园；有会客花园“芳瑶馥郁”、阅读空间“林屿花意”、森系空间”悦然氧吧“等。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

总结一下，在上海约420万起的市场中，招商·时代潮派|东屿就是一个地段、通勤、户型、精装、颜值、审美、生活方式都全维度都领先的六边形战士。

买到TA，就是选中了这个市场内的“正确答案”！

生活配套

交通方面：项目紧邻9号线泗泾站，9号线一直是泗泾的一张“王牌”，这条轨交为泗泾带来了3站七宝，9站徐家汇的巨大通勤优势。未来松江还会有12号线西延伸，对于泗泾人民来说，轨交出行十分便利。

另外，泗泾拥有四横四纵的立体交通路网：G50沪渝高速连接内环，直达市中心；泗陈公路连接七宝和漕河泾；沈砖公路连接沪闵路高架直达徐家汇；G60沪昆高速连接徐浦大桥，直达浦东。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

商业方面，项目本身除了打造19万平方的TOD综合体之外，还有三湘商业广场、保利悦活荟、金地方邻等商业。

教育方面，周边还有上师大附属松江实验学校、泗泾小学、泗泾第十幼儿园等优质教育资源。

医疗方面，泗泾医院现正在积极创建二级甲等综合性医院中，计划建成第二批上海市区域医疗中心。

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线4008558224（官方预约看房热线）

绿化方面，泗泾有着总长约9.03千米的泗泾塘，贯穿整个片区。还有约5.4万平方米的泗滨绿地。（以上数据来源，百度百科）

✅招商时代潮派售楼处电话：400-8558-224✅︎✅︎✅

✅招商时代潮派营销中心热线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。