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✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎
✅✅天健泓悦府营销中心热线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✅天健泓悦府售楼处电话：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
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
在相隔了一年多的时候，吴江太湖新城板块的天健泓悦府最新一批次房源取证了！
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
项目地址：吴江东太湖新城龙河路北、中山南路西
开发品牌：天健地产&吴江城投
产品类型：34栋7-8F叠墅及20栋18-26F高层
户型配比：约166-184-200㎡叠墅；约103-113-138㎡高层
车位配比：约1:1.73，车位充足
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
泓悦府示范区实景图｜具体以实际交付为准
唯有优秀的作品，方不负伟大的时代。
位于苏州湾城市中轴上的天健·泓悦府，在坐享一城繁华的同时，也在以独特的方式汲取大师灵感，演绎高尚生活。
苏州湾实景图｜图源网络
产品遵循德国建筑大师密斯·凡德罗“Less is more”理念，以简约流线型线条与奢品立面，搭配大面积玻璃幕墙、金属质感外观等元素，呈现出整体通透、挺拔，色泽温润典雅的质感，成为湾区一道迷人的风景。
泓悦府示范区实景图｜具体以实际交付为准
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
天健·泓悦府，央景中轴营造庄重典雅的尊贵体验。漫步楼宇之间，隐奢园林为您提供了一片宁静之地。寄情于景的景观设计，将建筑与景观完美融合，借鉴苏州传统园林和城市现代景观，在动与静，人与自然之间取得平衡，打造出一处怡然自得的都会园林，从孩童到长者，各个年龄段的居者都能在此获得沉浸式体验。
泓悦府示范区实景图｜具体以实际交付为准
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
在这里，您可以赏四时变化，品岁月流转，尽情探索心灵视界，实现自然意境与栖居情感的交融，用臻心笔法勾勒向往的生活。
天健·泓悦府是天健地产的代表作之一。天健地产长期深耕于苏州，基于对土地价值的充分尊重，以及对城市高净值人群的深入研究，不断打磨产品细节，倾力为用户打造墅境臻品，重构区域人居品质标准。
泓悦府实景图｜具体以实际交付为准
产品继承了天健高端“悦”系产品的臻贵基因，竭尽设计所能，不止用心布置全局，更致力于完善空间的每一处细节，以国匠工艺，将精工品质与空间场景的融合，通过约168㎡—200㎡宽境叠墅，营造兼具空间感与奢贵感的居住空间。
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
大户型面积段打造无界景观视野与全天候通透采光，最大限度提升人居生活质感。
泓悦府户型实景图｜具体以实际交付为准
南北通透的户型设计，让阳光与清风常伴身边；横厅与阳台的加持，引自然美景入室，使居者于惬意空间中肆意舒展身心。
泓悦府户型实景图｜具体以实际交付为准
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
◎最大约5.7M宽绰阳台上，一家人在此赏花、瞰景，呼吸干净的空气，更可以改装成健身小天地。
泓悦府户型实景图｜具体以实际交付为准
餐客厅一体化设计带来更多可能，白天可以是招待朋友的PARTY场地，夜晚可以是温馨的家庭影院，生活的美好畅想可以尽情实现，给予空间更多自主性。
泓悦府户型实景图｜具体以实际交付为准
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）套房式主卧，为业主提供尊贵享受与独处空间，专属衣帽间与独立卫浴，将优雅和从容刻写于空间肌理，在追求私密与友好陪伴中，寻找生活维度的自在平衡，全面满足对生活的高品质要求。
泓悦府户型实景图｜具体以实际交付为准
圈层是实现奢贵的终极“定义”。从聚族而居，到择邻而居，奢宅的标准，从来不只是土地、建筑，更是筛选品味相投的圈子。正如泓悦府面向的高阶人群，在持续的相伴与互动中，相知相惜，逐渐形成独一无二的纯粹高净值人群圈层生活场。
网络示意图｜
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
天健·泓悦府以先见世界豪宅的风向，融合现代美学理念与精神文化，开辟城市私享定制场域，收藏生活的人居臻品，涵盖泛会所、天际泳池、花园式露台、儿童活动区、邻里商业等多重定制场景，社交场景兼具一府，敬呈优雅多姿的尊崇享受，赋予家人奢雅生活体验。
泓悦府示范区实景图｜具体以实际交付为准
天健·泓悦府所能提供的，是集聚社交、休闲、运动等于一体的私人领域会所，满足业主多重需求，延伸“家外之家”的舒适与豁达，私人定制既能给予人尊崇感，亦能让人拥有心间的归属感。
泓悦府示范区实景图｜具体以实际交付为准
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
臻品湾区热销，境藏美学墅境。天健·泓悦府秉持天健国匠之心，研磨产品细节，洞悉人生点滴，在创造生活、传承品质的极致追求中，以高瞻远瞩的时代视角，打造进阶世界艺术品行列的城市人居作品，雕琢专属城市峯层的生活版图。
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
★ 苏州城市新中心
苏州历经千年文明洗礼，太湖孕育了鱼米之乡，京杭运河缔造了千古繁华，金鸡湖见证了苏州经济的崛起，而今，时代把机遇留给了苏州湾。为加快推动苏州市域一体化发展，吴江区与吴中区将实现协同合作，共同建设世界湾区，让苏州湾成为长三角新的价值增长极，苏州的下一个生活样板区。
汇聚太湖一线生态资源，3KM内太湖新城核心商圈，行政、商业、教育、艺术、体育等配套一应俱全。轨交、快速路、高速路，直达苏州主城区、长三角乃至全世界，缔造湾芯悦级生活。
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
★ 四方通衢，通达长三角至全世界
公路：毗邻中山南路、东太湖大道、苏震桃公路，直达苏州主城区；
轨交：轨交4号线、轨交18号线（规划中）；
高速：紧邻京沪、沪常、常台等高速公路，快速通达上海虹桥国际开放枢纽。
★ 生态样板，城市绿肺涵养四季
位于太湖之滨，坐拥城市绿肺与太湖超级氧吧。毗邻约480亩芦荡湖生态公园，苏州湾体育公园，胜地生态公园围绕。营造苏州顶尖的生态居住区，长三角生活样板区，湾芯生活进阶区。
★ 丰盛商业，打造缤纷乐购场
万象汇、吾悦广场、爱琴海购物公园、万宝财富商业广场、南方时代广场、砂之船（苏州湾）超级奥莱，打造太湖新城缤纷乐购场。
★ 文娱盛宴，文体艺博一应俱全
太湖湾音乐喷泉、苏州湾大剧院、吴江博物馆、水秀天地，吴江体育场、乐动力体育中心，享受家门口的文娱盛宴。
★ 产业悦级，擎动吴江未来发展
毗邻苏大未来校区，位于“环太湖科创圈”“吴淞江科创带”的交汇点，打造湾区经济高速发展的引擎。
★ 书香底蕴，名校环伺全龄覆盖
省重点学府：吴江中学、江苏省震泽中学；中国的“伊顿公学”：北外附属苏州湾外国语学校；项目中小学规划用地。
★ 市政配套，安享湾芯舒适便捷
邻近城市政务中心及吴江区人民政府，享受一站式行政配套；
第九人民医院在侧，24小时保驾护航，体验安心又便捷的湾区生活。
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
世界湾芯，当配鼎奢人居。城市的进阶与迭代，重构着品质生活的尺度与标准。国际设计师团队执笔，萃取大师灵感，融合空间美学与人体工学，打磨每个细节，精研塔尖人群的品味与生活需求，打造荟萃人文与艺术的扛鼎之作，构建多重礼序体验。
★ 归心之礼：仪式中轴、彰显奢雅，打造富有层次感的归家动线。
★ 入户之礼：南北双大堂，酒店式入口，标识度强，自显雍容雅贵。
★ 门厅之礼：阔尺大堂门厅，包含多重功能，休憩接待、亲子阅读、休闲娱乐，多重主题空间。
★ 品质之礼：国际设计师团队设计，研磨精工立面，名品重奢质地，与高阶艺术气质相逢。
★ 大堂之礼：多功能空中大堂，瞰景健身、私人宴客、趣味游戏、空中花园，挥洒生活的灵感，让生活别开生面。
★ 鼎配之礼：甄选全球一线大牌，匹配鼎奢生活。
★ 精致叠墅：建面约168㎡—200㎡叠墅，私享专梯入户，超宽瞰景阳台、约5.7M面宽客厅，约5.7M面宽露台，豪华主卧套房，集萃人生的从容和自在。
下叠200㎡
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
中叠184㎡
上叠也是184㎡，户型与中叠几无二致，但多了三层，可以做个书房。
高层有103/113㎡和138㎡两种户型。
138㎡户型开间阔绰，4室2厅2卫，三房朝南，均赠送飘窗。
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
103㎡/113㎡户型较为传统，格局基本相同，3室2厅2卫，只是在尺度上有所区别。
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。
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
园林荟萃苏州文化之精髓，传承江南千古文脉，寄托了文人士大夫对美好生活的至高理想。泓悦府取法苏州园林传统，深研城市肌理，循迹古城街巷，名园大宅，融合现代都市景观，打造以“四坊八境”为格局的“姑苏十二景”，复刻姑苏的精致与风雅。
【四 坊】
✅天健泓悦府售楼处电话：400-8558-224✅︎✅︎✅
✅天健泓悦府营销中心热线4008558224（官方预约看房热线）
★ 澜亭乐鸣：林下抚琴，回味无穷，聆听弦歌雅音，沉浸式人文意境。
★ 浮后问禅：禅意空间，曲径通幽，与好友对弈参禅，悠悠美好时光。
★ 汲泉濯墨：静水流深，恣意挥毫，以书法为意境，缔造雅致景观。
★ 墨竹绘影：茂林修竹，纵情林间，用中国画的意境，还原写意人生。
【八 境】
★ 平湖望月：听瀑而居，望月雅韵，打造典雅人文居所，园林式城市会客厅。
★ 浮翠叠影：私享花园，隐逸之场，享受一段与自己的独处时光。
★ 藏林见礼：林下会客，彰显礼仪，打造宾至如归的体验。
★ 栖林探趣：童趣时光，尽情释放，体验忘我童年。
★ 抚山品茗：颐养天年，斟茶回味， 享受悠然自得，悦纳岁月馈赠。
★ 梯云寻境：活力健身，康养生活，青春洋溢，惬意生活一步不落。
★ 寻谷游光：邻里休闲，共享美好，与三两知己邂逅于此。
★ 沉园浮榭：中央会客厅，一园之内，彰显大家气派。
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✅天健泓悦府营销中心热线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。
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