金地嘉峯汇售楼处电话-房价-户型-容积率-金地嘉峯汇售楼处-金地嘉峯汇售楼处地址-房价-户型-容积率-金地嘉峯汇售楼处

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎

✅✅金地嘉峯汇营销中心热线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✅金地嘉峯汇售楼处电话：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

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

新政利好上 置业正当时！

金地嘉峯汇正在热销中

直线距离约500米11号线&直线距离约200米嘉闵线（在建）

毗邻科技芯嘉宝智慧湾（在建）

建面约89-102㎡高层

五大新城看嘉定！当选金地嘉峯汇！

1克而瑞全国十大品质作品

户型及装标细节2.0再升级

当市场回归理性，住宅终究还是要看自住属性。所以好地段+高品质的产品，成为大家购房的不二之选！

“金地”素有户型大师的美誉，作为金地新精致2.0的首发作品，金地嘉峯汇带来的是新一代的健康舒居户，无论是空间设计还是精装标准，都是非常抗打的！

让我们先来看看具体户型介绍：

首先，是建面约89㎡三房两厅一卫（D户型），不仅功能完备，而且很好地把控了总价，约350万起即可上车高配品质三房，堪比市场上110平左右的空间感！

厨房配备岛台空间，增加台面操作空间，兼顾美观与实用；

三开间朝南，全卧飘窗设计，全屋通透明亮；

LDKB餐客厨阳一体化贯通中轴，撑起气场的同时，也提升了家庭成员的互动性和场景感；

三段式干湿分离卫生间，让忙碌的早高峰不用争抢；

还有很多人性化创新细节，比如烟道外置，释放厨房操作空间；S墙内嵌设计，可容纳冰箱等大件家电！

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

㎡3房2厅2卫

以及我们的网红爆款，建面约102㎡（C户型）三房两厅两卫，不仅保留了其小户型所有的优势，更增强了空间感和舒适度！

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

三开间朝南，主卧、北次卧L型飘窗设计，广角视野饱览窗外景致，也能享受阳光的亲密呵护；

多出1卫，能更好满足家庭成员多样化的生活需求，适应不同人生阶段的居住需求；

南向主卧套房设计，就寝区-衣帽间预留空间-卫浴间层层递进，仪式感和私密性兼具；

还有玄关、收纳柜等细节，好户型该有的亮点一个也不少。

有好户型，更有超预期精装标准！

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

和市面上同价位新盘相比，金地嘉峯汇的精装标准，明显上升了一个档次！日立中央空调、高规格百朗双向流新风、A.O.史密斯地暖热源设备，品牌三大件，一应俱全。

装修体验馆

厨房设计为社交餐厨，其中移门采用金属移门+瓦楞玻璃，可根据需求自行开合，不仅引入更多光线，更增强了互动性！操作台面边框收窄，设计更加精细美观，同时配备方太（或同等品牌，以实际交付为准）油烟机和灶台、洗碗机，以及名族凉霸，可谓是细节满满！

装修体验馆

客厅、卧室墙面均为墙布交付，电视背景墙为岩板交付，这两项几乎在总价约350万起的项目里是看不到的；

还有顶面交付射灯及隐藏灯带，使得居家的灯光更加柔和温馨！

装修体验馆

阳台大面积玻璃落地窗，视野通透；阳台移门地轨拉平、地砖通铺实现餐客厅阳台一体化。

预留上下水及插座电源，可定制收纳柜，放置洗衣机烘干机，这些魔鬼小细节，再次为项目加分！

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

装修体验馆

高层主客卫均选用恩仕智能马桶，淋浴房采用极窄边框淋浴屏，配备定制带顶喷的恒温淋浴系统，无需反复调试水温，出水即热、水温恒定，还配备暖风机……类似这种美观实用的细节还有很多！

新一代金地G-Wise体系，360°完美解决居住痛点！

项目采用新一代金地G-wise体系，在声、光、气三个方面全面升级，对标国际6大权威，定制更适宜国情的绿色健康人居方案！

//声：采用三玻两腔玻璃（仅凸窗配置），降低外界噪音；同层排水技术减低水流声，同时全屋隔音性能进一步升级；室内采用静音户内门锁，把干扰降低。

装修体验馆

//光：光是空间的灵魂，总是能在一瞬间击中人们的心，带给人们无与伦比的美感。

项目全明电梯厅设计，尊享愉悦归家体验；室内多采用灯带系统，丰富了光环境，让家变得更有质感！

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

装修体验馆

//气：说到新鲜空气，新风系统大家应该不会陌生。项目在室内配备百朗双向流新风系统的同时，更是在首层公区大堂装配空气消杀系统，有效地去除空气中的细菌和病毒。

如此精细化的消杀举措，堪称豪宅才有的“待遇”，没想到在金地嘉峯汇竟然复现了！

装修体验馆

可以说，金地嘉峯汇从外到内散发的“精致主义”审美和质感，已把五大新城的产品力“卷”出了新高度！

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

2嘉宝智慧湾（在建）+双地铁口

嘉定楼市的流量密码！

展开上海地图不难发现，上海总价350万级的新房主力供应板块基本都在城市边缘，比如金山、临港、崇明、朱家角等板块，与市中心几乎隔绝，无法实现日常通勤。

相比之下，紧邻11号线&嘉闵线（在建中）的金地嘉峯汇，简直就是王者级别的存在！且未来总价约350万起步的双轨交盘，可能只有【金地嘉峯汇】一个。

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

双轨加持，左手虹桥，右手市区

直线距离11号线约500米，无需换乘便可直达真如、徐家汇、前滩、迪士尼等多个商圈。

直线距离约200米嘉闵线（在建），8站直达大虹桥，连接七宝、莘庄等多个CBD，不论是上下班、聚会、商务出差等都十分便捷。另外值得一提的是沿线新盘均价均在6-8万区间，其中约350万总价的潜力盘或许只有金地嘉峯汇！

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

占位嘉定新城科创芯，紧邻嘉宝智慧湾（在建）

项目占位嘉定新城科创板块，目前已汇聚了约10个国家级科研院所、约7所高校、约20000名科研人员。（信息来源：凤凰网资讯频道）

并且，在项目北侧汇聚了如小红书、京东、百度、联影医疗等500强企业，总计有接近2000余家企业入住其中，形成了相当的板块效应。（信息来源：上海嘉定）

嘉定科技城板块规划示意图

不仅如此，项目北侧仅一路之隔，还藏着一个嘉定区的重磅规划：嘉宝智慧湾（在建）。嘉宝智慧湾6月已正式开工，这是嘉定重点打造的3个样板示范区！

这里将建设“芯片设计产业园”、“智能网联产业园”和“数字经济产业园”三大产业园，全面运用数字孪生技术，把建设全过程、治理全维度、生活全场景搬上“云端”，打造高感知的“数字智慧湾”。

嘉宝智慧湾效果图

作为嘉定重点打造的样板示范区，嘉宝智慧湾（在建）是体现新城“最现代、最生态、最便利、最具活力、最具特色”的标杆项目之一，被冠以“未来城市实践区”。（信息来源：微信公众号上海发布）

可以预见，嘉宝智慧湾（在建）引领的嘉定科技城，将成为嘉定新一代人居高地，也将是未来10年嘉定楼市的引领者与标杆板块！

嘉宝智慧湾首发地块效果图

周边配套丰富，无需等待入住即享！

项目所在的区域可谓是嘉定的心脏位置，各项醇熟配套都在【金地·嘉峯汇】业主的生活圈内。

//家门口商圈：项目直线距离约500米日月光中心！总体量28万方，盒马、星巴克也在其中，购物休闲餐饮一站搞定！板块内还有约57万方的罗宾森购物广场。

//老城商圈：直线距离项目约2公里范围内有约57万㎡商业，包括罗宾森购物广场/信业购物中心等；

//新城商圈：直线距离项目约5公里范围有约50万㎡商业，包括中信泰富万达广场/宝龙广场/大融城商圈等！

从城市界面到配套体量，再到需要时间去沉淀的烟火气，这里的表现都非常出色。

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

除了繁华商业，项目直线距离约500米范围内还有桃李园实验学校&上大附属实验学校（建设中）等优质教育资源；最新消息!位于嘉定工业区的上海大学附属嘉定实验学校结构封顶，预计明年6月底竣工，9月投入使用。

上海大学附属嘉定实验学校总建筑面积69369.76平方米，其中地上建筑面积55360.8平方米。主体建筑由连廊相连，包含小学教学综合楼、初中教学综合楼和文体综合楼，同时设有操场、篮球场等室外活动场地，建成后将开设54个班级，首届设置小学和初中各4个班。

（政府教育主管部门不对预售房屋进行学区划分，项目周边学校等教育资源的介绍仅为提供相关信息参考,开发商不对项目交房后所属学区、学校做任何承诺，教育资源分配或学校/学区划分请以政府教育主管部门认定为准。）

上大附属嘉定实验学校实景图

直线距离约1公里范围内还有中心医院、喜来登、陈家山公园等多维配套；嘉定图书馆、保利大剧院等地标，也是一脚油门就到。特别提示：位置距离信息来源百度地图；

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

3真正意义上的沉浸式度假体验

新精致2.0首发项目，超高颜值，实力圈粉！

除了我们上面提到的户型、装标、板块，金地嘉定峯汇此次的示范区景观、立面、社区等部分，同样有诸多突破。

实景图

独一无二的釉面陶板，尽显温润质感！

项目归家前厅、高层入户大堂等公区均使用釉面陶板，说起这个釉面陶板，还真是下了“真功夫”！

这是金地对于非遗文化，匠心文化的传承！项目以宜兴陶都当地紫砂泥页岩粗犷为主、匠人3天2夜1200°C 高温立胚釉烧，让建筑焕发如珍珠般的温润质感。

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线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。

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

外立面极具辨识度和美感，堪称“美学灯塔”

项目外立面采用大面积仿金属漆涂料、局部金属格栅、局部铝板。

一方面，光线被格栅切割，阳光倾泻而下，在不同光影与环境下，让家成为一件艺术品；

另一方面，消解了建筑的庄严和冷峻，赋予更强的立体感，犹如画框一般，多了一份艺术沉淀。既形成“层次感品质住宅”的认知，又创造出城市里的“美学灯塔”。

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

步入小区，归家仪式感满满

步入小区，首先欢迎业主回家的是由96棵成型四季常青香樟构成的香樟迎宾道，移步，换景，打造专属归家私属领域感。（红线外绿化以政府规划和养护为准）

红线外额外耗资投入超百万级，旨在将精致上海的设计理念延伸到归家的每一处，让社区的边界延伸向外，归家的礼序由此开启。

实景图

项目社区本身，堂客厅的设计堪称惊艳，以环岛式水景归家前场，多功能堂客厅，林荫秘境等动线和相应承载场景，以丰富的层次感，柔和勾画生动的社区边界，在这个“快节奏”的时代，调频归家路上的慢逸姿态。

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

实景图

值得一提的是，项目业主可以通过地库直达各自楼栋地下入户大堂归家，一条无雨归家动线浑然天成，这在350万级新房赛道中少有！

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

实景图

从社区主入口水、树、石等景观元素组成社区堂客厅，到林荫归家道路，再到地上地下入户大堂...【金地嘉峯汇】气场全开，每一步都透露着不动声色的矜贵。

不仅二期的高质量加推给足了大家惊喜，更令人动容的还有金地品牌带给大家的信心与安心！

近期，金地集团金地集团年内到期境内外债务全部足额兑付完毕。同时金地前三季度营收超500亿元。作为已连续六年保持绿档水平的品质房企，自然置业安心更有保障。

在房企艰难生存的时代下，也唯有拥有雄厚的实力，稳健发展的品牌房企，才能实打实的为大家带来高品质的住宅产品，才能让购房者置业更为安心。

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线4008558224（官方预约看房热线）

四期一房一价表如下：

✅金地嘉峯汇售楼处电话：400-8558-224✅︎✅︎✅

✅金地嘉峯汇营销中心热线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。