建发海宸售楼处官网-2026建发海宸售楼处电话-开盘时间-建发海宸房价-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-交房时间

✅建发海宸售楼处电话：400-8558-224✅︎✅︎

✅✅建发海宸营销中心热线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✅建发海宸售楼处电话：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

建发·海宸是上海新江湾城核心区的一个高端改善型住宅项目，由建发房产开发，定位为“灯塔”系TOP级作品，主打低密滨水洋房和现代东方美学设计。项目三批次房源已推出，建面约108-210㎡，总价1051万起，适合不同家庭结构的高品质居住需求。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

首开热销！新江湾城1.55低容墅区【建发海宸】 二期建面约125/161/190/210㎡户型即将入市！新江湾正芯，生态公园畔

海派东方,宸启新江湾高定海派东方灯塔力作

建发海宸

一期均价约11.07万 少量房源在售

二期加推建面约125/161/190/210㎡户型

火爆认购中

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

首开楼栋包括1、2、3、11、12、21、22、23号楼，预计推出105㎡、125㎡、161㎡三种户型产品！

105平户型预计总价1050-1200万

125平三面宽户型预计总价1200-1450万

125平四开间户型预计总价1300-1500万

161平户型预计总价1700万－2000万

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

二批次在售楼栋：

二批次一房一价表：

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

01、基本信息

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

2025年6月，建发房产摘得上海市杨浦区新江湾社区G1-06地块，也就是现在的建发海宸，项目展厅已公开，将推出小高层、洋房和叠加产品，预计9月份首批次入市！

建发海宸位于新江湾正芯，西临江湾城路，南接殷高东路，北贴在建的交大附中杨浦实验学校（在建），东面则是水系，地理位置得天独厚。

项目本身总占地约10.29万方，容积率仅约1.55，门口就是湿地公园，当之无愧的江湾芯低密大盘。

对于偏爱自然逸居的购房者而言，建发海宸的出现可谓重大利好，毕竟，在寸土寸金的上海，能同时坐拥“湿地公园+主城副中心+名校资源+低密规划”等全维高配的除了新江湾建发海宸，几乎再无二处！

G1-06地块容积率约1.55，限高约40米，土地面积10.29万㎡，建筑面积约15.95万㎡，出让总价高达86.5亿元， 折合楼板价约5.42万/㎡，住宅套数下限为1156套，体量磅礴

上善若水，海纳百川，是上海的精神也是建发·海宸的造物哲学，建发·海宸将海派文景化为日常风景复现「沪城八景」意象，浓萃「上海名园」精华。

两条轴线在滨河水岸交汇，形成了全上海罕见的“超级景观通廊”。对于偏爱自然逸居的购房者而言，无疑具备致命的吸引力！

建发「宸系」中式作品，铝板与玻璃幕墙外立面，配园林景观。约1150套房源高低配，限高40米，含小高层、洋房、叠墅产品，满足刚需与改善需求。

以水为引，起承转合，以海天华堂、华亭烟雨、凤亭问泉，清涟夜月、黄浦秋涛等景观组团，悠然铺陈东方院落式归家礼序。

并依托约1.5公里的滨水长廊，将约11.4公顷生态湿地融为业主的后花园，借景河道，构筑多元生活剧场，穿过外滩晨钟、闲渡蒹葭、溪川雪霁，恍如在穿越时空的海派画卷中悠然漫步。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

只此青绿的「玉玲珑」，复刻上海豫园镇园奇石的灵韵风骨，优雅缠绕的「紫藤架」，演绎衡山公园的紫藤之恋，绿桐树环抱的「碧梧轩」，邂逅秋霞圃的林下会客场景等，这是上海心底私藏的韵味与魅力。

上海的浪漫，繁花占一半，建发·海宸取意繁花似锦巧思，汲取玉兰灵韵缔造尊贵与浪漫并存，恢宏与繁华共融的建筑。

「玉兰门庭」摩登飘逸，环抱式落客前场，大师定制非遗掐丝珐琅门钹，流转温润光华，敬呈归家尊崇礼序，自此启幕生活的华贵序章。

「繁花立面」金属曲面层叠交织，将玉兰冠顶绽放的瞬间淬炼为永恒，承袭海派建筑的经典秩序，以曲面柱廊、阵列式柱廊撑起恢弘天幕，尽显庄严气度。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

萃取东方色谱精粹，建发·海宸甄选丝箔流金、东方雅铜，青釉奢蓝，以当代笔触晕染立面，令传统色彩在空间生长为永恒的诗意，「入户门头」形取和平饭店经典拱门，配以碧绿色天然石材门套、彩玻花窗，重现百年外滩门廊的尊崇仪式。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

所谓“无会所，不豪宅”，高阶会所是圈层进阶的社交场，更是分享志趣和品味的绝佳之处。

但建发海宸手笔也太大了，项目为业主配置了约4200㎡摩登会所与约1370㎡泛会所空间，整体面积超5500㎡，比起市面上总价四五千万起步的顶豪还要丰富！

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

02、推售信息

项目二批次房源预计10月开盘，除了前期卖爆的建面约125/161㎡4房，二批次还会加推建面约189/210㎡的滨水低密洋房，妥妥的塔尖级改善产品，2000万级客户可以重点关注！

项目户型如下：

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

建发海宸巧妙利用空间拓展、功能分配、动线设置、超能收纳等实现了好厨房的“1步法则”，将操作步骤调配到舒适距离，让男女主人爱上下厨。

U型厨房带有约1.3㎡飘窗，约8㎡使用面积较常规厨房提升23%，可容纳2-3人下厨；约5.6米台面长度，约65公分台面宽度，较常规厨房提升13%，另设骊住原装进口多功能加大尺寸单槽，几乎在1步的距离内，即可实现“取/存→清洗→切配→烹饪→装盘”的流畅动线，减少往返走动。

厨房是家庭收纳的重中之重，物品繁杂、使用高频，极易陷入混乱。科学规划收纳空间，不仅能大幅提升利用率，更能让烹饪过程高效流畅。

建发海宸打造了超容量橱柜，以更丰富的立体收纳空间，让空间化繁为简、化整为零，配齐吊柜拉篮、双侧台面调料柜、餐具与厨具收纳等，确保做菜时随手能拿到想要的调料，真正做到藏纳有道，拿放有序。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

而客餐厅的收纳亮点在于将实用功能与生活美学融合，让收纳成为生活的一部分，每一件物品都有专属位置，在有序中流露出烟火气。

双边收纳矩阵，大件小件皆可存放，满足家庭不同的收纳需求；客厅一侧通顶高柜设计，高尔夫球杆、羽毛球球拍、鱼竿等多尺寸大件轻松容纳，累计可收纳200双鞋子；餐厅一侧的多功能餐边柜，集吧台、展示柜、收纳柜三合一功能为一体，同时，侧面也配备侧拉零食柜、储物柜，进一步提升家庭精细化收纳，饮料、酒水、零食、行李箱等可轻松规整，精细化分区，让家井井有条。

主卫上演1㎡魔法收纳，多种功能分区，营造清爽视感，不同尺寸的物品都有专属空间。

创新配备女神柜，分层分区分类收纳化妆品；通顶双面镜镜柜，有序安放洗护用品；左侧镜柜贴心设计美妆冰箱，低温保存，为美锁鲜，护肤、化妆更舒爽；台盆柜，大幅提升收纳空间，可储藏洗漱用品；扫地机也有专属预留空间，便捷归位。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线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。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

精装不仅是交付标准，更是对美学生活的深刻诠释。钢木复合门，古铜拉丝铝板精雕，精湛技艺宛若天工，静雅华美；全屋坚持选用天然大理石铺设，白雪公主岩板背景墙，约0.9*1.8米云雾白通铺地砖，呈现风格统一的整体艺术美；顶面圆弧吊顶，镶嵌精奢金属线条，丰盈空间感，也流淌设计感；卫生间倒角设计，斜坡线条流畅，无门槛避免磕碰之余，也可允许扫地机通过，兼顾美观和功能。

建发海宸深谙客户的高端品味，特别甄选全球住宅与建筑领先者——骊住、德国百年卫浴名牌——杜拉维特、德国电器巨头——博世、《财富》世界500强——霍尼韦尔、德国高端厨卫奢牌——汉斯格雅、瑞士百年厨具品牌——弗兰卡、全球领先的智能终端提供商——华为等一线名牌，精心雕琢生活品质。

懂空间、懂收纳、懂精装，更懂客户所思所想所需，让建面约125㎡全能户型成为陪伴家庭成长的一生之宅。全维度造宅哲思，贯穿样板间的每个角落，更贯彻进所有户型设计中，满足不同家庭的居住理想，建面约105-250㎡小高层、洋房、叠墅面市在即，也为您全面解密其中的设计之道！

03、版块信息

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

新江湾城的供应稀缺性堪称上海楼市特例。自2005年以来板块仅出让11宗土地，最近一次公开供地停留在2019年，由此形成的断供效应直接推升市场热度：2020年至今仅世纪江湾、上海院子、中企云萃江湾等少数新盘入市，其中中企云萃江湾两次开盘触发63.9分与74.6分的高积分，世纪江湾尾盘认购率更达330%。

这一现象的核心在于板块价值的不可替代性：60%绿化覆盖率构筑都市绿洲，复旦系等顶尖教育资源解决后顾之忧，早期大平层、别墅奠定的低密豪宅基因，使二手房价格展现惊人韧性——世纪江湾小户型曾成交近20万/㎡，上海院子洋房现价仍维持12-13万/㎡。尽管存在"商业不足"等争议，但在1500万预算内，兼具优质教育、低密环境与成熟界面的新江湾城，仍是难以复制的价值高地。

建发海宸位于新江湾城板块，西侧邻安徒生童话乐园，东侧临河景观带，周边新江湾城公园等环绕，低密规划（容积率1.55）稀缺，打造生态宜居地。

产业也是新江湾的优势，杨浦2035规划擘画，江湾与五角场重点发展大创智创新发展示范区，聚集了约70个众创平台及孵化器和抖音、B站、叠纸等约4500家名企，这座东方硅谷聚拢的高净值人群，就是新江湾房价坚挺的强力基石。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

【1】交通方面：

新江湾城是一个以自驾和公交都还可以的板块。

自驾方面：

新江湾城的公路布局是典型的三横三纵，

驱车10分钟左右便可达内环、中环和逸仙高架路，直达市区各个地方，

总体来说是非常便利的。

公共交通方面：

区域内分布10号线的四个站点，如图所示：

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

10号线是一条能级较高的地铁线路，贯穿了南京东路、新天地、淮海路等城市核心区域以及衡复风貌区、古北、新江湾城等高端居住板块，并通向虹桥机场和火车站，是一条名副其实的贵族线路。

途径徐汇、静安、黄浦、长宁、虹口，沿线多个换乘站，可换多条轨道交通线路。

并且现在十号线的北延长段也已全线通车。

这条延长线始于新江湾城，将穿过黄浦江，连接浦东高桥板块，

对于新江湾人民的公交出行，又添一份方便。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

目前，从新江湾城驱车出发，

到五角场成熟商圈约4公里左右，到市中心约10公里，

对于家里有车，经常自驾出门的家庭，还是非常便利的。

如果出行通勤主要依赖公共交通，可以多多考量地铁沿线的楼盘。

【2】商业配套方面：

板块内的商业配套比较一般，只有一个悠方购物中心，品牌为中低档，与豪宅业主身价不符。

到目前为止，新江湾城还没有一个拿得出手的大型综合性商业配套，

社区居民购物、消费、娱乐更多会选择驱车前往东边的中原，或者南边的五角场板块。

未来，侨福集团将在湾谷科技园的对面建设上海第一个侨福芳草地，将大幅疏导新江湾城居民的消费需求。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线4008558224（官方预约看房热线）

【3】教育方面：

杨浦区是教育强区，素有”徐一杨二“之称，优质的教育资源无疑是新江湾城最吸引人的地方。内有复旦附小、复旦二附中、上音实验等优质公立初中。

片区内大部分小区对口的上音实验学校是杨浦区最好的优质的九年一贯制学校，教学质量和氛围都是无可置疑的。在“公民同招、民办摇号”的新政下，更凸显九年一贯制学区的价值。

而且，新江湾城的业主个个都是坐拥千万以上身家的家庭，拥有优质的素质，生源极好，上音实验依旧在加速度的上升前进。

复旦科技园小学对口的也是上音实验的初中部。有很多幼儿园都是师范园，甚至是一级师范园都有。

对于一些选择民办的家庭，居住在新江湾城，孩子上下学都是非常便利。

一些德国、法国的国际院校也已经建造完成，于2019年投入使用了。

除此之外，复旦大学、同济大学的校区都在附近，整个板块的文化气息都是比较浓厚的。

【4】医疗方面：

新江湾城虽没有医疗设施，但前往板块东南侧的中原板块，顶尖的综合三甲医院长海医院很方便，在十分钟左右的车程。

另外，三甲专科的上海市肺科医院在五角场。

✅建发海宸售楼处电话：400-8558-224✅︎✅︎✅

✅建发海宸营销中心热线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。