保利·外滩曜售楼处电话→2026上海保利·外滩曜售楼中心电话→楼盘百科→首页网站→楼盘百科→首页网站→售楼处24小时热线电话

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎

✅✅保利·外滩曜营销中心热线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✅保利·外滩曜售楼处电话：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

保利·外滩曜是保利发展在上海东外滩核心区打造的高端住宅项目，定位为“新古典恒奢”作品，主打建面约115-205㎡的小高层、洋房和花园别墅，均价约13.5万元/㎡，预计2029年下半年精装交付。

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上海外滩首座新古典主义奢宅

东外滩·中央风貌区 「外滩系」TOP产品

央企保利发展 深耕内环的全新旗舰大作

【保利·外滩曜】

首开建面约114㎡-130㎡3-4房

均价13.5万/㎡ 总价约1470万起

双阳台、可改飘窗 超高得房率

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认购时间：2025年12月24日--12月28日

认购金：150万元（个人） 150万元（企业）

入围比：1.8:1

社保系数：0.21

开盘时间：12月31日

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「外滩双翼 3.5公里黄金岸线」

以外白渡桥为源点，项目所处的东外滩，与衡复街区形成镜像发展。一边是百年经典的历史沉淀，一边是科创未来的时代赋能，共同筑起上海面向世界的恒贵门户界面。

「中国在此出发 世界从此抵达」

百年前汇山码头， “中国在此出发、世界从此抵达” ：周恩来等伟人于此登船，走向世界；爱因斯坦等巨匠于此登陆，走进中国。百年间，世界的目光从未离开，为上海著写永恒华章。

「滨江4.0 执掌未来澎湃势能」

2025年《黄浦江沿岸专项规划》将杨浦滨江南段与外滩、陆家嘴、北外滩并列，共筑世界会客厅，“百年大计·世纪经典”的定位，成为“一江一河”战略中的最高能级段落。

「东外滩 引领滨江迈入科创时代」

“世界客厅”肩负“国际金融商贸核心功能承载区”的使命。而东外滩杨浦滨江与陆家嘴的金融、外滩的文化、北外滩的航运形成互补，以科创为核，成就中芯城区大规模整体开发区域。

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「领驻潮前 千亿级世界科创中心 」

约364万方商办建筑规模，约3倍于西岸金融城。汇聚哔哩哔哩、美团、抖音等科创头部产业，以及中节能、中交、星空华文等领军总部集群，总市值超4万亿。

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「3大科创极核 鼎立黄金三角」

外滩-陆家嘴-杨浦滨江的“黄金三角”功能核心区，成就外滩集聚带上崭新封面，而杨浦滨江，更是以科创为导向的城市有机更新的世界级滨水区，“千亿级世界科创中心”之外，更有3大极核共耀，助力杨浦滨江成上海的新经济中心。

·世界文教之核

◎10所核心高校、150余家科研院所、7家国家级大学科技园

◎复旦、同济双巨头引领硬核高校矩阵

◎上海中心城区密度最高、学科范围最广、科学实力最强的高等教育集聚地

·大连路头部企业聚地

◎定位世界500强、总部基地

◎入驻西门子、大陆集团、李尔亚太等企业近1700家

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·长阳创谷科创高地

◎聚焦人工智能、大数据、绿色能源等前沿赛道，将成为上海中心城区科创高地

◎得物、福特汽车、同济数字研究院等企业

◎百度创新中心、埃森哲AI实验室、赢彻科技等人工智能企业

◎智能云科、爱驰汽车等绿色能源企业

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「城芯臻藏的风貌禀赋」

上海城芯的滨江板块中，可成片低密开发的版图愈显弥珍，这片水岸土地的价值愈发凸显，成就上海城芯不可复制的恒贵栖居地。

作为中央低密区中臻藏的高层、洋房、墅居的多元复合产品，【保利·外滩曜】同语低密圈层，全能藏品炙手可热。

（信息来源：上海“十四五”成片旧改工作总结）

「全维醇熟的生活主场 」

·从容出行：距离18号线平凉路站直线距离约100M、12号线江浦公园站直线距离约400M；多条隧道通达浦东，快速连接陆家嘴、外滩；北横通道，快速通达长宁区、普陀区、静安区等地；

·璀璨商业：约55万方瑞虹商业、约50万方北外滩商业、约51万方滨江商业带；

·全龄教育：1公里内，荟萃存志学校、杨浦教育学校附属中学、向阳幼儿园、杨浦小学分校、长阳实验学校、齐齐哈尔路第一小学等15所全龄教育资源；

·优质医疗：3公里内，新华医院、同济医院、复旦大学附属妇产科医院等优质医疗环伺；

·艺术聚落：杨浦滨江21件永久点位艺术作品，涵养水岸优雅生活；

·纯粹圈层：保利、招商、瑞安、中信泰富等巨擘齐聚，重构滨江高阶圈层的低密共识。

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「大师执笔为外滩著新」

【保利·外滩曜】联袂天华总设计师韩冰、名谷设计创始人潘冉、朴锐设计创始人郭子伟、翊象设计徐睿绅，传续外滩经典的新古典主义，以当代笔触，为外滩肇续新章。

项目以地块内英商电车修理工场为起点，溯源其设计者——思九生洋行在外滩的经典作品，提炼出两大核心设计法则，实现真正的血脉传承。

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形制溯源：承袭外滩经典三段式构图

项目继承怡和洋行大楼与上海邮政总局经典的“横纵三段式”结构。

建筑立面通过明确的基座、主体与檐部层次，再现了经典新古典主义的庄重比例。

细部转译：从历史纹饰到当代语汇

设计从思九生作品的装饰细节中汲取灵感，将历史上的茛苕叶纹、齿状线脚及拱券形态等元素，进行简化与提炼，转化为符合现代审美与工艺的精致细节。

项目以思九生洋行的设计法则为蓝本，通过形制、细部与空间的三重演绎，让百年外滩的风华，在保利外滩曜获得当代的共鸣与回响。

时钟会所：引入华尔道夫式的圈层场。

项目的会所，绝非设施的简单集合。

保利外滩曜以百年华尔道夫“Meet you at the clock”的仪式为蓝本，将“时钟”从具象物升华为社区的精神图腾，构建一个围绕时间秩序运转的“时空社交枢纽”

这里规划的不是功能房间，而是三种被精密设计的圈层生活场景。

健身中心与律动泳池，是精英阶层保持高效与活力的日常刚需。

这里远非简单的健身房。当您的邻居在固定时间出现，并保持高度的自律，这本身就是一道高效的“人群筛选器”

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疗愈氧舱与冥想空间，构成了“精神修复舱”

一个能在高强度工作后快速恢复精力、厘清思路的专属环境。

亲子空间与儿童活动区，是确保圈层纯粹性与生命力的战略设计。

这是整个社区最具战略价值的 “代际社交场”。

您的孩子在此结识的发小，其家庭背景与您的阶层高度同质。这不仅是孩子的玩伴，更是为他们未来构筑的 第一层优质人脉网络。

这不仅服务于生活，更是为科创精英与高知阶层提供一个稳定、优雅的交流平台，让圈层在共同的生活节奏中自然凝聚。

「新古典主义的经典重构」

【保利·外滩曜】设计深度溯源地块内两大新古典主义遗珍——由思九生洋行执笔的英商电车厂与里弄住宅华盛里，在延续原有行列式肌理的基础上，通过织补肌理形成更加完整、相对集中的低密居住区，带来建面约115㎡-139㎡小高层、建面约160-166㎡洋房、建面约190-202㎡三层低密别墅等大面宽产品，注重公共空间尺度，打造“曦光盈窗，花影绕庭”的花园墅居，为上海献上一座兼具文化底蕴与舒适体验的高端居住社区。

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

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项目建面约114㎡-139㎡户型图同样已经公示；

建面约114㎡户型一梯一户独立梯厅设计，主要打造3房产品，户型得房率超高；不仅做到了三开间朝南，配置2个超大生活阳台，而且做了飘窗设计。

该户型，做到了全屋飘窗（全赠送）+双阳台（半赠送）+独立电梯厅。

此外，还有130㎡、139㎡左右的4房产品。

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✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

顶级品牌的盛宴

在保利·外滩曜，精装绝非品牌的简单陈列，而是一套「三大国际体系」深度融合的居住解决方案，由五大全球品牌组成的高定矩阵全程保驾护航，旨在兑现风貌区内三种高阶生活场景的无缝融合。

1. 烹饪艺术体系：厨房以嘉格纳专业三件套为核心，搭配博洛尼整体橱柜的收纳美学与铂浪高花岗岩水槽的耐用质感，共同构建出一个高效、悦目且充满仪式感的料理舞台。

2. 健康人居体系：从怡口前置过滤到末端直饮的全程净水守护，到博世冰箱对食材新鲜的精准管控，再到大金空调地暖一体机带来的四季如春体感，形成一套覆盖呼吸、饮水与温度的隐形健康屏障。

3. 全屋系统化集成：所有设备并非孤立存在，而是在设计之初就纳入整体考量，确保视觉风格的统一与使用场景的静音化，让科技服务于人居，而非干扰生活。

这不仅是精装，更是一套集成化、可感知、懂生活的高定系统。它意味着，从入住的第一天起，您即可沉浸于一种无需二次投入、细节经得起推敲的完整生活状态之中。

大量的昂贵石材运用！

约2㎡玄关拼花采用胜利拱券 ×全水刀工艺！超高压切割让石材切口平整无崩边，结构更稳定，搭配天然石材的高硬度属性，长久使用依旧光洁如新，省去后期维护烦恼。

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黄金贝壳的石材、风声水起曲线金属+背景墙岩板+金属墙布、主卧标配约4.2米超大面宽定制皮革背景墙...细节控狂喜，居家格调瞬间拉满。

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。

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大量的收纳设计！

比顶级精装品牌更稀缺的，是对居住者日常生活的深刻洞察。

保利·外滩曜真正践行了“拎包入住”的顶配内涵：

小户型的全屋收纳总量高达约16.23m³，约405个20寸行李箱。

从入户的鞋帽收纳，到厨房的餐厨用具、餐厅的杯盏酒具，再到卫生间的洗漱护肤用品，每一个物品都已规划好其专属位置。

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✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

「精英圈层的优雅赋新」

溯源华尔道夫百年始终下的优雅社交传统，【保利·外滩曜】将标志性的时钟意象转化为社区的精神图腾与优雅社交生活方式，致敬“Meet you at the clock” 的理念，为领潮世界的科创精英与高知群体，打造休闲健身、律动泳池、疗愈氧舱等以及儿童亲子、冥想等多功能空间，更有同频华尔道夫的审美，以克制之美诠释真正的尊贵，于细微处，彰显生活的温度。

「东方礼遇共悦生活的恒奢」

保利物业始终坚持长期主义精神，不断探索“好服务”的真意，开创了“东方礼遇、四时雅集、亲情和院”三大服务品牌，将人文精神注入品质生活，持续精研高端服务之道营造备受居者信赖的当代人居标杆。

“东方礼遇”作为保利物业高奢旗舰服务品牌，以“通情·达礼”为内涵，打造“全域安全”、“双管家”、“四节八礼社区活动”为核心的三位一体服务体系，不断书写东方语境下“尊崇、信赖、人文”的高端生活方式。

「保利发展 22载与上海共生长」

世界500强保利发展，深耕上海22载，重点布局“一江一河”沿岸、五大新城等热点区域，16大旗舰项目齐耀滨江。

继外滩序、外滩启之后，2025年保利外滩系列第五子全新力作，赋新外滩生活，与卓越上海澎湃共进。

上海外滩首座新古典主义奢宅

东外滩·中央风貌区 「外滩系」TOP产品

央企保利发展 深耕内环的全新旗舰大作

【保利·外滩曜】

首开建面约114㎡-130㎡3-4房

均价13.5万/㎡ 总价约1470万起

双阳台、可改飘窗 超高得房率

✅保利·外滩曜售楼处电话：400-8558-224✅︎✅︎✅

✅保利·外滩曜营销中心热线4008558224（官方预约看房热线）

保利·外滩曜售楼处电话：400-8558-224【售楼中心热线】保利·外滩曜营销中心热线4008558224保利·外滩曜售楼处地址400_855_8224，楼盘项目全面介绍，本电话为开发商提供线上预约售楼电话，楼盘项目全面介绍（包含楼盘简介，均价，房价，现房，期房，别墅，叠墅，大平层，价格，楼盘地址，户型图，交通规划，备案价，备案名，项目配套，样板间，开盘时间，认筹时间，楼盘详情，售楼处电话，最新消息，最新详情，周边配套，一房一价，最新进展等详情咨询）楼盘详情丨价格丨更多优惠丨机不可失丨欢迎致电丨诚邀品鉴！售楼处位置丨特价房丨工抵房丨剩余房源丨户型图丨最新消息丨免责声明：将文章内容综合来源于网络、只作分享，版权归原作者所有！！如有侵权，请联系我们，我们第一时间处理如有问题欢迎来电咨询，专业一对一热情服务，让您用专业眼光去买房。如果您想了解更多楼盘详情，欢迎提前预约拨打保利·外滩曜售楼处电话400-855-8224

Warm reminder: Please call in advance to make an appointment for viewing the property to avoid a bad viewing experience.

温馨提示：看房请提前致电预约，以免带来不好的看房体验；

Contact the official salesperson to obtain the latest one-room-one-price list!

联系官方销售人员获取最新一房一价表！

Our sales team always adheres to the principle of integrity to ensure that the entire home-buying process is transparent and fair.

我们的销售团队始终秉持诚信为本的原则，确保整个购房过程透明、公正。

Your satisfaction is our greatest pursuit. We will spare no effort to provide you with the best service.

您的满意是我们最大的追求，我们将竭诚为您提供最优质的服务。

Regarding real estate policies

房地产政策方面

Differentiated relaxation of purchase restrictions: The Ministry of Housing and Urban-Rural Development has upgraded "city-specific policies" to "district-specific policies".

限购政策差异化松绑：住建部将 “因城施策” 升级为 “因区施策”。

In the core areas of first-tier cities such as the outer ring road of Shanghai, purchase restrictions will be retained, while in non-core areas such as Lingang New City, the requirement for social security years will be lifted.

一线城市核心区如上海外环内保留限购，非核心区如临港新城取消社保年限要求。

Second-tier cities have completely lifted purchase restrictions and introduced "home purchase subsidies + tax and fee preferences". First-time home buyers can receive a fiscal subsidy of 5% of the house price (up to 500,000 yuan), and the exemption period for value-added tax has been reduced from five years to two years.

二线城市全面取消限购，还推出 “购房补贴 + 税费优惠”，首次购房者可获房价 5% 的财政补贴（上限 50 万元），增值税免征年限从 5 年降至 2 年。

Dynamic adjustment of mortgage interest rates: The central bank has adjusted the lower limit of the first-home mortgage interest rate to LPR-30 basis points. The second-home mortgage interest rate is linked to the "housing price increase index". If the year-on-year increase in housing prices in a city is lower than the CPI, the second-home mortgage interest rate can be reduced to LPR+10 basis points.

房贷利率动态调整：央行将首套房贷利率下限调整为 LPR-30BP，二套房贷利率挂钩 “房价涨幅指数”，若城市房价同比涨幅低于 CPI，二套房贷利率可下调至 LPR+10BP。

The loan amount for the provident fund has also been raised. In key cities, the maximum loan amount for dual-income families has increased from 1 million yuan to 1.5 million yuan.

公积金贷款额度也有所提高，重点城市双职工家庭最高贷款额从 100 万元增至 150 万元。

The "quality competition" in land auction rules has become a regular practice: The Ministry of Natural Resources requires that in the land auctions of key cities by 2025, the proportion of "quality scores" should be no less than 40%, and the scores should cover green building grades, community supporting facilities, property service standards, etc.

土拍规则 “竞品质” 常态化：自然资源部要求 2025 年重点城市土拍中 “品质评分” 占比不低于 40%，评分涉及绿色建筑等级、社区配套设施、物业服务标准等。

Developers are required to submit a "Quality Commitment Letter". Those who fail to meet the standards will be fined 10% of the land transfer fee and restricted from subsequent land auctions.

开发商需提交 “品质承诺书”，未达标将按土地出让金 10% 罚款并限制后续土拍。

Policies related to public rental housing: All new commercial residential projects must be equipped with public rental housing at a ratio of 15%. After completion, it should be transferred to the government free of charge. If the developer operates it independently, they can enjoy a 20% tax reduction on rental income.

保障性住房相关政策：所有新建商品住宅项目需按 15% 比例配建保障性住房，建成后无偿移交政府，若开发商自主运营，可享受租金收入 20% 税收减免。

Meanwhile, children from families with public rental housing enjoy "the same school district treatment as those with commercial housing" when enrolling in school. Cities like Beijing and Shanghai have piloted "priority lottery enrollment for public rental housing".

同时，保障性住房家庭子女入学享受 “与商品房同等学区待遇”，北京、上海等城市试点 “保障房优先摇号入学”。

Regarding the timing of home purchase and market trends 2

购房时机与市场趋势方面2

The cost of purchasing a house is at a low level: Currently, the down payment ratio is relatively low, with some areas as low as 15%, and the loan interest rate is also around 3%. Moreover, the LPR still has room for further decline, significantly reducing the cost of purchasing a house.

购房成本处于低位：当前首付比例较低，部分地区低至 15%，贷款利率也在 3% 左右，且 LPR 还有进一步下降空间，购房成本大幅降低。

Meanwhile, after a period of adjustment, housing prices are at a relatively low level, which is a good opportunity for those who have the need to purchase a house.

同时，房价经过一段时间调整，处于相对低位，对于有购房需求的人来说是较好的时机。

The market is gradually warming up: Since the fourth quarter of 2024, favorable policies such as housing loans and provident funds have been introduced intensively. The transaction volume of the real estate market in some cities has picked up, and housing prices in core cities are expected to stop falling and stabilize comprehensively.

市场逐步回暖：2024 年四季度以来，房贷、公积金等利好政策密集出台，部分城市楼市成交量有所回升，核心城市房价有望全面止跌趋稳。

In 2025, under the continuous effect of policies, the real estate market is expected to further recover.

2025 年，在政策持续作用下，房地产市场有望进一步回暖。

Key points for choosing a house 3

选房要点方面3

Focus on the quality of real estate projects: Housing demand has shifted from "whether there is or not" to "whether it is good or not", and from "price first" to "value first".

关注楼盘品质：住房需求从 “有没有” 转向 “好不好”，从 “价格优先” 转向 “价值优先”。

When choosing a house, pay more attention to the floor plan design, functional facilities, property management and other aspects of the property.

选房时要多关注楼盘的户型设计、功能配套、物业管理等。

For instance, choose a floor plan with a high usable area ratio. Currently, some new houses can achieve a usable area ratio of over 80% by offering balconies and other means.

例如，选择得房率高的户型，目前一些新房通过赠送阳台等方式，得房率能超过 80%。

When considering the community environment: The ecological environment of the community and the level of property management are becoming increasingly important. The "park-style living experience" where one can see greenery when opening the window, scenery when stepping out, and a garden at every corner is the ideal choice.

考量小区环境：小区生态环境和物业管理水平日益重要，推窗见绿、出门见景、转角见园的 “公园式居住体验” 是理想选择。

For instance, the "Yuhujing" product series of Longfor integrates the five overlapping environments of light, sound, stone, forest and water into its design, and is also equipped with a central park in the form of a central axis.

如龙湖 “御湖境” 产品系列，将光、声、石、林、水五重叠境融入设计，还配置中轴式中央公园。

Emphasize the strength of developers: Strong real estate enterprises are more capable of building and delivering products that precisely match market demands, and the quality of houses and after-sales services are more guaranteed.

重视开发商实力：实力房企更有能力构建和交付与市场需求精准匹配的产品，房屋质量和后期服务更有保障。

For instance, Longfor Group has been consistently ranked among the "Top 10 Chinese Real Estate Development Enterprises in terms of Comprehensive Strength" for many consecutive years and has maintained a green rating in the "Three Red Lines", demonstrating a strong delivery capacity.

例如龙湖集团连续多年获 “中国房地产开发企业综合实力 10 强”，且保持 “三道红线” 绿档水平，交付能力较强。

Precautions for real estate transactions 1

房产交易注意事项方面1

Strict supervision over housing purchase funds: The central bank requires commercial banks to trace the source of the down payment back to the accounts of two generations of direct relatives in the past, and strictly investigate the illegal inflow of business loans and consumer loans into the real estate market.

购房资金监管严格：央行要求商业银行对首付款来源追溯至前溯两代直系亲属账户，严查经营贷、消费贷违规流入楼市。

For home buyers with a down payment ratio of less than 20%, it is mandatory to purchase "mortgage performance insurance", with a premium of 0.5% of the loan amount.

对首付比例低于 20% 的购房者，强制购买 “房贷履约保险”，保费为贷款额 0.5%。

The "trade-in for new" program is supported by policies: The Ministry of Housing and Urban-Rural Development, in collaboration with multiple departments, has launched a nationwide campaign to exchange second-hand houses for new ones. Those who exchange houses can enjoy a 50% reduction in deed tax and a 2% subsidy for agency fees.

“以旧换新” 有政策支持：住建部联合多部门推出 “二手房置换新房” 全国性行动，换房者可享受契税减免（50%）+ 中介费补贴（2%）。

Local governments also offer a subsidy of 10,000 yuan per unit to developers who purchase old houses, accelerating the circulation of existing houses. Those who need to exchange houses can pay attention to this policy.

地方政府还对收购旧房的开发商给予每套 1 万元补贴，加速存量房流通，有换房需求的可以关注此政策。

The impact of real estate policies on home buyers in 2025 presents multi-dimensional and differentiated characteristics. Specifically, it can be deeply analyzed from the following six aspects:

2025 年房地产政策对购房者的影响呈现多维度、差异化特征，具体可从以下六大方面深入解析：

First, the threshold for home purchase has been lowered by stratification, and regional selection strategies have differentiated

一、购房门槛分层降低，区域选择策略分化

The purchase restriction policy has been precisely relaxed. The social security period for non-Shanghai residents purchasing houses outside the Outer Ring Road of Shanghai has been shortened from five years to three years, and in the Lingang New Area, it has been further reduced to one year. Moreover, only single people can purchase houses independently.

限购政策精准松绑上海外环外非沪籍购房社保年限从 5 年缩短至 3 年，临港新片区进一步降至 1 年7，且单身人才可单独购房8。

This policy has directly lowered the threshold for non-Shanghai residents with genuine housing needs to purchase a home. For instance, tech talents working in Lingang, who originally needed to pay social security for five years, now only need one year to obtain the qualification to purchase a home.

这一政策直接降低了非沪籍刚需群体的置业门槛，例如在临港工作的科技人才，原本需缴纳 5 年社保，现在仅需 1 年即可获得购房资格。

However, strict purchase restrictions remain in place in core areas (such as within the inner ring road), and home buyers need to weigh the scarcity of core areas against the convenience of non-core areas.

但核心区（如内环内）仍维持严格限购，购房者需权衡核心区稀缺性与非核心区便利性。

The down payment ratio and credit support: The down payment ratio for first-home mortgages has been reduced to 15%, and for second-home mortgages to 25% (20% in key areas such as Lingang). Coupled with the 5-year and above LPR being lowered to 3.5%, the first-home mortgage interest rate in Shanghai has dropped to a historical low of 3.05%.

首付比例与信贷支持首套房贷首付比例降至 15%，二套降至 25%（临港等重点区域 20%）7，叠加 5 年期以上 LPR 下调至 3.5%，上海首套房贷利率已降至 3.05% 的历史低位3。

Take a loan of 1 million yuan as an example. The monthly payment over a 30-year period is reduced by approximately 54 yuan, and the total interest saved is 19,000 yuan.

以 100 万元贷款为例，30 年期月供减少约 54 元，总利息节省 1.9 万元3。

For families with multiple children, the maximum amount of the provident fund loan can be increased by 20% to 1.929 million yuan, significantly reducing the financial pressure on improvement-oriented demands.

对于多子女家庭，公积金贷款额度最高可上浮 20% 至 192 万元9，显著降低改善型需求的资金压力。

Second, the two-way adjustment of holding and transaction costs reshapes market expectations

二、持有与交易成本双向调整，重塑市场预期

The pilot program of the real estate tax may be deepened, and the scope of the pilot may be expanded to include groups holding multiple properties. By imposing differential tax rates (such as a 1.2% tax on high-end residences), the holding cost can be increased by 10%.

房地产税试点深化试点范围可能扩大至持有多套房产群体，通过差别税率（如对高档住宅按 1.2% 征税）增加持有成本10。

This will force investors to sell off properties in non-core areas. For instance, the number of second-hand houses listed in areas like Waigaoqiao in Pudong may rise, while high-quality assets in core areas are more resilient due to their scarcity.

这将迫使投资客抛售非核心区房源，例如浦东外高桥等区域二手房挂牌量可能上升，而核心区优质资产因稀缺性更具抗跌性。

Meanwhile, the pilot funds are used for the construction of affordable housing, indirectly diverting rental demand and easing the pressure of rising rents by 10%.

同时，试点资金用于保障房建设，间接分流租赁需求，缓解租金上涨压力10。

The exemption period for value-added tax on transaction taxes has been optimized from five years to two years, and the assessed collection rate for individual housing transfers has been reduced to 1%.

交易税费优化增值税免征年限从 5 年降至 2 年，个人转让住房核定征收率降至 1%7。

Take a second-hand house that has been owned for two years and has a total price of 8 million yuan as an example. The value-added tax can be saved by approximately 440,000 yuan.

以一套满 2 年、总价 800 万元的二手房为例，增值税可节省约 44 万元。

Furthermore, the "trade-in for new" policy offers a 50% reduction in deed tax and a 2% subsidy for agency fees, significantly reducing the trade-in cost.

此外，“以旧换新” 政策提供契税减免 50% 和中介费补贴 2%9，显著降低置换成本。

For instance, those who are upgrading their houses in the Qibao area of Minhang can save approximately 120,000 yuan in taxes and fees by selling their old houses and then purchasing new ones.

例如，闵行七宝板块换房者通过出售旧房再购新房，可节省税费约 12 万元。

Third, the dual-track development of affordable housing and commercial housing is squeezing the "old, dilapidated and small" market

三、保障房与商品房双轨并行，挤压 “老破小” 市场

The proportion of construction and quality improvement: New commercial housing must be equipped with public rental housing at a ratio of 15%, and it is required to be delivered fully furnished.

配建比例提升与品质升级新建商品房需按 15% 比例配建保障房，且要求全装修交付6。

For instance, the affordable housing built in a certain project along the Xuhui Riverside adopts green building standards and shares community facilities with commercial housing. This might divert some of the first-time home buyers and further put pressure on the prices of the surrounding "old, dilapidated and small" buildings.

例如，徐汇滨江某项目配建的保障房采用绿色建筑标准，与商品房共享社区配套，这可能分流部分刚需客群，导致周边 “老破小” 价格进一步承压。

At the same time, children from families with affordable housing enjoy the same school district treatment, which may weaken the premium space of traditional school district housing.

同时，保障房家庭子女享受同等学区待遇6，可能削弱传统学区房的溢价空间。

The diversion effect in the rental market is intensifying. In 2024, Shanghai will add 16,000 units of public rental housing, with rents 20% to 30% lower than those of commercial housing in the same area.

租赁市场分流效应加剧2024 年上海新增 1.6 万套保租房，租金较同地段商品房低 20%-30%5。

For instance, in Zhangjiang area, due to the increased supply of public rental housing, the proportion of tenants moving out has risen, forcing landlords to lower their prices or upgrade their facilities.

例如，张江地区租客因保租房供应增加，退租比例上升，倒逼房东降价或升级硬件。

This has led to a 15% to 20% drop in rents for "old, dilapidated and small" properties in the old urban area. Some investors have turned to selling their properties, further intensifying the differentiation in the second-hand housing market.

这导致老城区 “老破小” 租金下跌 15%-20%，部分投资者转向出售房源，进一步加剧二手房市场分化。

Iv. Regional development policies Reconstruct the value system of home purchase

四、区域发展政策重构购房价值体系

The five new towns are accelerating the realization of the goal. New towns such as Jiading and Qingpu are gradually achieving a balance between work and residence through the introduction of industries (such as Jiading United Imaging Medical and Qingpu Oriental Life Port) and the upgrading of transportation (such as Jiamin Line).

五大新城加速兑现嘉定、青浦等新城通过产业导入（如嘉定联影医疗、青浦东方生命港）和交通升级（如嘉闵线），逐步实现职住平衡12。

By 2025, 26 new primary and secondary schools and kindergartens will be added in the new town, and the construction of Grade-A tertiary hospitals will be accelerated, attracting first-time home buyers.

2025 年新城新增中小学、幼儿园 26 所，三甲医院建设加速12，吸引刚需购房者。

For instance, the average price of new houses in Jiading New Town is approximately 45,000 yuan per square meter, with a total starting price of 2 million yuan, making it the main choice for young families.

例如，嘉定新城新房均价约 4.5 万元 / 平方米，总价 200 万起，成为年轻家庭的主要选择1。

The premium for urban renewal in the core area and the renovation of "two old and one village" have released high-quality land plots. For instance, the floor price of the Xuhui Longhua plot has reached 126,000 yuan per square meter, and the unit price of new houses in the future may exceed 200,000 yuan per square meter.

核心区城市更新溢价“两旧一村” 改造释放优质地块，例如徐汇龙华地块楼板价达 12.6 万元 / 平方米，未来新房单价或破 20 万元 / 平方米1。

Urban renewal projects enhance living quality and consolidate their advantages in the high-end market through green building technologies (such as low-carbon technology platforms) and intelligent community management.

城市更新项目通过绿色建筑技术（如低碳技术平台）和智能化社区管理，提升居住品质，巩固高端市场优势。

Home buyers should pay attention to the long-term appreciation potential of scarce assets in the core area, while being vigilant about the liquidity risk brought about by high total prices.

购房者需关注核心区稀缺资产的长期增值潜力，同时警惕高总价带来的流动性风险。

V. The transformation of developers' strategies forces product upgrades

五、开发商策略转型倒逼产品升级

The land auction rules strengthen the quality orientation, with the "quality competition" score accounting for no less than 40%, involving green building grades, community facilities, etc.

土拍规则强化品质导向“竞品质” 评分占比不低于 40%，涉及绿色建筑等级、社区配套等2。

For instance, a certain project in Qingpu won the land auction due to its configuration of a central park with a central axis and an intelligent security system.

例如，青浦某项目因配置中轴式中央公园和智能安防系统，在土拍中胜出。

This means that in the future, new houses will pay more attention to the living experience. For instance, Longfor's "Yuhujing" series enhances its added value through a five-layer overlapping environment design. Homebuyers need to pay attention to the matching degree between the actual delivery standards of the property and the promises.

这意味着未来新房将更注重居住体验，如龙湖 “御湖境” 系列通过五重叠境设计提升附加值2，购房者需关注楼盘的实际交付标准与承诺的匹配度。

The supervision of real estate developers' funds is becoming stricter. The source of the down payment is traced back to the accounts of the direct relatives of the previous two generations. If the down payment ratio is less than 20%, mortgage performance insurance must be purchased.

房企资金监管趋严首付款来源追溯至前溯两代直系亲属账户，首付比例低于 20% 需购买房贷履约保险2。

This increases the difficulty of proving funds, especially for young home buyers who rely on their parents' financial support.

这增加了资金证明难度，尤其是依赖父母资助的年轻购房者。

It is recommended to prepare a complete financial statement in advance to avoid affecting the home purchase process due to incomplete materials.

建议提前准备完整的资金流水，避免因材料不全影响购房流程。

Vi. Long-term Trends and Response Strategies

六、长期趋势与应对策略

The market presents a pyramid structure. At the top are the scarce luxury residences in the core area (such as Greentown Chaoming Dongfang), in the middle are the planned new districts (such as the Five New Towns), and at the bottom are the far suburban areas with lagging supporting facilities.

市场呈现金字塔结构塔尖为核心区稀缺豪宅（如绿城潮鸣东方），中部为规划新区（如五大新城），底部为配套滞后的远郊板块1。

Home buyers need to weigh their options based on their own needs between the scarce assets in the core area and the potential areas in the new town.

购房者需根据自身需求，在核心区稀缺资产与新城潜力板块间权衡。

For instance, first-time home buyers can give priority to new towns like Lingang and Jiading, while those seeking to improve their living conditions can focus on core areas such as Xuhui Riverside and Qiantan.

例如，首置客群可优先考虑临港、嘉定等新城，而改善型需求可关注徐汇滨江、前滩等核心区。

Quality and service have become the core of competition. Developers are shifting from "scale expansion" to "quality improvement", such as adopting green building technologies, intelligent community management, and providing customized services (like the rental-style home purchase for Internet practitioners in the Zhangjiang project). 1.

品质与服务成为竞争核心开发商从 “规模扩张” 转向 “品质提升”，例如采用绿色建筑技术、智能化社区管理，以及提供定制化服务（如张江项目针对互联网从业者的租赁式购房）1。

In the second-hand housing market, properties that are relatively new and have well-managed communities will be more resilient to market declines.

二手房市场中，房龄较新、社区管理完善的房源将更具抗跌性。

It is recommended that home buyers, when choosing a property, focus on examining the developer's delivery capacity (for instance, Longfor has maintained the "three Red Lines" green grade 2 for many consecutive years) and the level of property services.

建议购房者在选房时重点考察开发商的交付能力（如龙湖连续多年保持 “三道红线” 绿档2）和物业服务水平。

Conclusion: In 2025, the real estate policy will reconstruct the decision-making logic of home buyers through a combination of "precise relaxation and long-term regulation".

结论：2025 年房地产政策通过 “精准松绑 + 长效调控” 组合拳，重构购房者的决策逻辑。

The scarcity of the core area and the growth potential of the new city form a "dual-wheel drive", with rising holding costs and falling transaction costs coexisting. The diversion of affordable housing and the upgrading of its quality reshape the market pattern.

核心区稀缺性与新城成长性形成 “双轮驱动”，持有成本上升与交易成本下降并存，保障房分流与品质升级重塑市场格局。

Home buyers need to closely monitor policy developments, and based on their own financial conditions, regional preferences and long-term plans, find a balance between policy dividends and market risks.

购房者需密切关注政策动态，结合自身资金状况、区域偏好和长期规划，在政策红利与市场风险间找到平衡点。

For instance, non-Shanghai residents with genuine housing needs can seize the policy window period in new cities like Lingang, while holders of multiple properties need to be vigilant about the impact of the real estate tax pilot program on their holding costs.

例如，非沪籍刚需可抓住临港等新城的政策窗口期，而多套房持有者需警惕房地产税试点对持有成本的影响。