绿城知海棠售楼处官网-2026绿城知海棠售楼处电话-开盘时间-绿城知海棠房价-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

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎

✅✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

西湖区之江的绿城知海棠于12月9日公示五开预售证。加推11#，共48套，面积106-109-128方，均价3.1165/平，今天开启登记，为期三天，15日补充材料。

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

绿城知海棠是绿城中国在杭州之江板块打造的“海棠系”第八代作品，定位为年轻刚需及首改客群的低密江景住宅，于2025年9月7日首开，主力户型106-164㎡，均价约32013元/㎡。以下是核心信息整合：

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✅绿城知海棠售楼处电话：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

8#、9#，共2幢80套房源，面积约106-109-128-162-164方都有，均价3.244万/平，其中162-164方大户型是首次登场亮相。

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

项目亮点

产品设计

首创“立体社区”理念，通过3.2米架空层抬升设计形成“地面-平台-空中”三重空间，嵌入12大主题场景（如健身区、四点半学校等）。

全封闭阳台交付，搭配德国铂格实验室研发的“五重收纳系统”，空间利用率提升30%

园林以“西湖十景”为灵感，打造夜光跑道、雾森系统等沉浸式景观

区位与配套

位于西湖区之江度假区核芯，直线距离钱塘江约800米，毗邻学军云栖小学（期房不承诺学区）及西投银泰城

规划地铁10号线、11号线（建设中），梧桐路隧道贯通在即。

钱塘江畔 l 双银泰l浙一医院

城-知海棠：

之江首个封闭阳台的项目（新规后，只算一半面积）实际空间利用率更高。

低于限价时代的价格，配置不限价时代的产品，全新的现代风格化立面，约50米的阔绰门头，注定是之江江岸的封面。

知海棠还是新规后，钱塘江岸边 首个“抬板”设计项目。

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

钱塘江畔 l 双银泰l浙一医院

城-知海棠：

之江首个封闭阳台的项目（新规后，只算一半面积）实际空间利用率更高。

低于限价时代的价格，配置不限价时代的产品，全新的现代风格化立面，约50米的阔绰门头，注定是之江江岸的封面。

知海棠还是新规后，钱塘江岸边 首个“抬板”设计项目。

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

立体的景观、庭院和主题泛会所，搭配绿城在全行业首推的中心泳池综合区，以“九大服务空间”和“西湖十景”，真正把景观变成了生活场景，把庭院变成了天空之下的生活舞台。

首开均价超劲爆，建面106-164方（含：三房—四房）

学军云栖小学 | 双名校旁

规划地铁10 / 11号线

绿城开发+海棠系+之江首例抬板+封闭阳台

生活配套+人文底蕴+自然生态，稀缺的三合一属性+绿城开放

18幢中高层住宅，面积分布：106-109-128-139（2）-162-164方

均价3万+，总价约310万级起，即近享钱塘江景与主城醇熟资源

绿城知海棠售楼处电话：400-8558-224【预约看房热线】绿城知海棠官方售楼处电话：4008558224【售楼处电话/地址】绿城知海棠售楼处电话：400-855-8224【开发商认证】

立体的景观、庭院和主题泛会所，搭配绿城在全行业首推的中心泳池综合区，以“九大服务空间”和“西湖十景”，真正把景观变成了生活场景，把庭院变成了天空之下的生活舞台。

首开均价超劲爆，建面106-164方（含：三房—四房）

学军云栖小学 | 双名校旁

规划地铁10 / 11号线

绿城开发+海棠系+之江首例抬板+封闭阳台

生活配套+人文底蕴+自然生态，稀缺的三合一属性+绿城开放

18幢中高层住宅，面积分布：106-109-128-139（2）-162-164方

均价3万+，总价约310万级起，即近享钱塘江景与主城醇熟资源

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

价格与政策

总价350万级起，首开限时98折优惠（截至2025年9月30日）

采用半抬地库技术解决低洼积水问题，提升归家体验

开发商背景

“海棠系”为绿城旗下年轻化产品线，此前杭州项目曾创“百日百亿”销售纪录。知海棠作为集大成之作，融合江湖景观与艺文设计，目标重塑之江人居标准

昨天，位于西湖区之江的绿城知海棠项目首开4#、7#，迎来正式线上选房。

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

项目户型&装修介绍

真正从实用性出发

项目阳台内包、地板通铺，还拥有之江第一个五重收纳功能全屋送柜子，绿城带头卷收纳了。

示范区实景图，以实际交付为准

譬如：入户玄关柜，有序放置钥匙、雨伞、鞋帽等小件物品；

主卧打造步入式衣帽间，根据衣物饰品分类；

卫生间镜柜，收纳日常洗漱用品、吹风机类异形用品、各类护肤品，都能轻松容纳和摆放……五大定制收纳空间，让家越住越大。

示范区实景图，以实际交付为准

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

按照此前之江的房价，这些柜子等于送你10万……

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

（三房户型，滑动查看更多户型图）

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

（128-139方四房户型，滑动查看更多户型图）

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

已知杭州的住宅品质是全国数一数二的，尤其是当下这样的楼市情况里，产品内卷早已成为共识。那随大流的房企通常会选择：把项目的好材料堆上去，把价格顶上去。

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

就是因为这样的趋势，客户审美的阈值也逐步提高。渐渐的，好产品基本都出现在高端改善豪宅，而且越卷越贵。普通客户能感知出好产品的概率很低，普遍标准化。

绿城知海棠不一样，它是真正有思考、有温度、真正在为客户解决居住需求的项目。

比如：根据周边美院、音乐学院等艺术人文院校汇集的艺术特色，在公区做了艺展空间。光美院老师的雕塑作品就摆了好几个，甚至还有墙上的画作，目前是有艺术家在这里举办小型展览的，未来交付之后，业主也可以根据自己的审美、特长，自由替换这些画作，邀请邻里共赏，整个小区的氛围都是高雅的。

绿城知海棠售楼处电话☎：400-8558-224✔✔✔【预约☎】

绿城知海棠售楼处电话：400-8558-224【预约看房热线】绿城知海棠官方售楼处电话：4008558224【售楼处电话/地址】绿城知海棠售楼处电话：400-855-8224【开发商认证】

绿城知海棠售楼处电话☎：400-8558-224✔✔✔【预约☎】

比如：项目是抬地新规后，西湖区之江第一个落实的项目。所以知海棠不仅在空间上实现园林→架空层→住宅的“三折叠”，还直接将“西湖十景”搬进园区。通过起伏和精心设计的步道系统，当你在社区步道上下漫步时，如同行走在自然的峡谷溪涧之中。当你在生活馆的书吧阅读时，外界的风光也映入眼帘，带来一种被山川溪谷包裹的自然疗愈感，整体美的体验非常连贯，一步一景。

✅绿城知海棠售楼处电话：400-8558-224✅︎✅︎✅

✅绿城知海棠营销中心热线4008558224（官方预约看房热线）

示范区实景图，以实际交付为准

比如：考虑到之江这边的客群，家里大多都有即将或者正在上学的孩子，所以知海棠直接舍弃了一套可售房源来做超大童玩空间。整体面积超过480平米，还考虑不同年龄阶段孩童的需求来做规划，有大一点孩子更适合的树屋、滑滑梯；有更小一点孩子更需要的“四点半学堂”等等......甚至就连这块区域的“绿色”的主色系，地面的塑胶板材都是团队提前反复考量的。

绿城知海棠售楼处电话☎：400-8558-224✔✔✔【预约☎】

杭州西湖区绿城知海棠官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）

示范区实景图，以实际交付为准

绿城知海棠售楼处电话：400-8558-224【预约看房热线】绿城知海棠官方售楼处电话：4008558224【售楼处电话/地址】绿城知海棠售楼处电话：400-855-8224【开发商认证】

美院老师作品搬进园区

艺术氛围感爆棚

无论是在前庭还是在4幢楼下架空层艺展空间，让人忽然眼前一亮的艺术雕塑，项目就有好几座：

示范区实景图，以实际交付为准

这些作品皆出自于美院老师之手，看着就是赏心悦目、高雅。

包括艺展空间墙上的画作，现在也都是有名家在此举办画展。小胖也听说了，在项目示范区开放后，有不少“爱美人士”，专门奔着此处艺展空间来项目欣赏作品。

示范区实景图，以实际交付为准

那畅想一下，未来绿城知海棠的业主，不出小区，自家楼下就能参观一个小型个展，直接就给生活增添了艺术氛围。

在这里，也不得不佩服绿城“独具慧眼”，因为如果是由别的绿城项目来“生搬硬套”在示范区里放艺术展，美则美矣，难免会被认为“华而不实”、“累赘”。但是在知海棠，就不同了，它的天然环境是老天爷赏饭吃的。

周边有美院、音乐学院等艺术人文院校汇集，这种浓厚的先天“艺术氛围”，整个杭州找不出第二处。

而且后期，业主也可以在这个艺展空间，通过各种主题，不定期的更换上自己的画作，从艺术的视角，寻得邻居之间的精神共鸣。这也是绿城无形中给大家传达的生活理念：一种独特的松弛感。

价格方面：当板块已经被抬上3.75万/平，核心5万+/平的价格标准的时候，它不随大流，主动定价首开3.2万/平，性价比相当高了。

在3万出头这档大部分普通购房者都能承受的价格栏里，本可以偷懒做点同质化、标准化的产品的时候，它又因地制宜做了许多这个价格段项目里不常见的特色。

绿城真正做到了：“为业主所用”，也难怪看房现场：好评如潮，客户很认。

既有当下安心，更有缤纷未来

回过头来看，绿城的这些提前思考都是正确的。为此，小胖也专门打听了一下它的客户群体画像：

30%的想要在本地改善、置换的之江原住民；

30%的滨江浦沿方向年轻精英客户；

20%的上城复兴，沿着之江路往来便利，为小孩置业的老杭州人；

甚至还有7组人才在买。

这还只是绿城知海棠的首开情况，但绝对不是它的客户上限。

再根据常识，估摸市场上大部分项目的开盘规律：绿城知海棠后期加推涨价，是必然趋势。都不敢想，本身就是想要自住绿城知海棠的朋友，抢占先机，首开买到，是多么幸福？！

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更加重磅的惊喜，还有已经曝光的之江科创城沿江风貌区概念方案。作为整个西湖区、一江两岸仅有的，还有大片开发的区域，绿城知海棠的未来是光明的，有迹可循的。

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之江科创城沿江风貌区概念方案效果图，仅供参考

据规划，它主打的是一个文化、艺术、休闲文旅为一体的国际化滨水区。说点硬性的指标数据，可以让大家感受一下力度：

规划了最高150米的地标塔楼，滨水商业、星级酒店和滨水广场等设施。从长远来看，对于之江来说，这就相当于是一面旗帜、一个符号、一张名片了，吸引更多知名企业入驻，直接提升之江的知名度和发展能级。

滨水商务区效果图，仅供参考

绿城知海棠售楼处电话：400-8558-224【预约看房热线】绿城知海棠官方售楼处电话：4008558224【售楼处电话/地址】绿城知海棠售楼处电话：400-855-8224【开发商认证】

至少4个地铁TOD上盖组团，从北至南依次是之江文化中心站TOD、梧桐路TOD、枫桦东路TOD和文体中心TOD，以站点为核心，还将开发地上+地下商业空间，各组团之间还能加强联系。

哪怕后期规划方案微调，拥江战略里少有的“留白区”是毋庸置疑的；楼幢高度就摆在那里，道路交通提升也是必然的；

沿江风貌区重点功能布局，仅供参考

大片的城市更新意味着新生，一旦后面全部落地，之江的能级抬升是肯定的，去往滨江区、城西乃至各个区域的流速变快是确定的，那最终结果，就是会让绿城知海棠的地段价值再上一个台阶。

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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。