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✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎

✅✅绿城溪径恒庐营销中心热线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。

绿城溪径恒庐是绿城在杭州城西闲林板块打造的低密顶豪项目，容积率仅1.01，规划363席法式联排与现代中式叠墅，总价900万-1500万，定位为桃花源板块的"封藏组团"。

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✅绿城溪径恒庐售楼处电话：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

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

城西低密豪宅区桃花源板块，绿城又放量了。

绿城桃花源低密项目绿城溪径恒庐，规划为合院+叠墅，共计363套，（风格现代东方+创新简法），99套合院（285-396方）、264套叠墅 （249-280方）。

主力价格情况：精装叠墅约900-1200万、合院约1500-3000万左右（精装选配+私人定制）

【285㎡-360㎡排屋户型】

自2017年绿城桃花源收官以来，时隔8年，绿城重返桃花源：2025绿城「恒庐系」开卷作品！定位为杭州城西低密顶豪墅区，容积率仅1.01，合壁2700亩桃花源，以其全新组团的身份，开启恒藏之境。是杭州近十年容积率最低的住宅项目之一。

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

顶尖团队共筑，定义未来生活图景项目携手九米、GTS蓝颂、CCD、张力、水平线、私宅大师“孙建亚”等设计大师天团，从建筑、景观、空间全维度创新，开创不限价时代产品力新超越。

穿过缪斯艺廊、喷泉广场，当青翠的山色倒映在门前的镜面水池里，就可以看到园区大堂的门扇开启。进入大堂，大堂里的窗格可以浮现出莫奈睡莲画作中的那座小桥及项目精心打造的那方莫奈花园，志以通过对静谧追求的回应，抵达心灵的永恒。

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

地下会客厅约1500㎡空间内——打造了高达8.2米左右挑空穹顶泳池、杭州住宅园区首个亲子泳池综合体以及可满足羽毛球、匹克球等球类活动的多功能球场。

地下恒温泳池三面采光，顶部是15米玻璃天顶倒映着空中花园水景，泳池底部300万片马赛克拼出名画《睡莲》局部。两侧黑色铁艺屏风外是下沉庭院，让业主在游泳的同时也可看到外部的自然景观。

项目以香奈儿老佛爷摩洛哥南法海岛别墅为灵感，在设计上沿袭法式建筑的经典型制，并融入当代审美，规划更大窗墙比、定制建筑立面等，造诣契合当下居住体验的同时，迭新绿城法式的浪漫表情。

漫步其中，你会在“缪斯艺廊”感受罗马柱阵列倒映于清澈镜面水的庄重与灵动；葡萄牙米黄石材与睡莲池共同营造的“莫奈花园”一角，让人仿佛漫步在油画之中；

“许愿广场”的喷泉低吟着欧罗巴的浪漫传说；“沐光星池”则以双水镜映照天光云影，明亮而梦幻。

。作为桃花源板块的收官拼图，项目以“永恒之境”为核心理念，瞄准城市高净值人群及收藏级资产配置需求。

总规划面积约160亩，打造363套纯低密产品，包含99套法式联排（285-396㎡）和264套现代中式叠墅（249-280㎡）

项目的29幢法式合院，共计99席，则将“奢适”二字推向了更高维度。这不仅仅是空间的阔绰，更在于它对经典法式居住空间的匠心重构。

打破采光壁垒是核心亮点。溪径恒庐一改传统法式合院老虎窗带来的采光局限，大胆将南向主立面延展至约11米大三开间面宽。

这一设计让阳光得以最大程度地涌入室内，居住视野得到极大释放。同时，其在层高上的奢侈铺陈更是点睛之笔。首层约3.9米的挑高设计，为入户门厅注入了强烈的空间仪式感和恢弘气魄；

延续至二、三层的约3.3米层高，则持续稳定地支撑起空间的整体气场。充足的高度让精致的法式雕花线条在光线流转间更显立体深邃，赋予空间鲜活的生命力。

推开门的瞬间，不见炫目扎眼的反射光影，唯有低饱和度的哑光质感，裹着天然肌理的温厚，悄然漫入空间的每一处角落。这方居所，把“质朴”藏进了材质的骨血里。

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

绿城家实景样板房丨杭州溪径恒庐(360㎡合院)

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

绿城家实景样板房丨杭州溪径恒庐(360㎡合院)

在杭州溪径恒庐，SPA水疗、私人影院等高配功能被巧妙融入，却不显刻意与堆砌，尽显孙建亚的巧思。

他借鉴度假酒店动线逻辑，将空间清晰划分为静区、动区及后勤区。维修人员可通过独立通道作业，不影响主人生活。同时，SPA、影院等功能互联互动，让主人在享受休闲配套之际，仍拥有充分的私密与宁静。

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

绿城家实景样板房丨杭州溪径恒庐(360㎡合院)

空间魔法还延伸到室外与地下。约60-180㎡的私家庭院为园艺雅趣、家庭聚会提供了自然舞台；而约130-190㎡的阔绰地下室空间则打开了家庭场景多元裂变的无限可能。

无论是首层会客宴请的体面，地下空间的珍藏品鉴之雅，还是庭院四季流转的风光景致，都能让家中每一代成员找到专属且从容的精神领地与生活舞台。

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

作为杭州低密的产品进化，杭州溪径恒庐盛邀九米、蓝颂、CCD、水平线、孙建亚等大师团队，致力以全维的迭代焕发空间生命力。建筑面积约235～300㎡四层庐系叠墅，延续序列经典设计语言，围绕台地墅境、立体环院、层层厅堂、尺度拓展、智慧恒居的全维精进，展呈轻盈当代的庐系表达。

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

叠排产品遵循“现代形、东方意”内涵，低密产品，最主要追求的就是“有天有地，有私密感”，所以附加值的打造，变得尤其重要。所以，我们先讲的是附加值。建筑面积约235～300㎡四层庐系叠墅，

项目的叠墅最核心的突破在于“垂直双首层”设计。下叠（1-2层）拥有专属的南向独立入户门，开门即拥抱约60-160㎡的私享庭院，并附带约57-140㎡的实用地下室空间。

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。

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）下叠空间则以另一种语言诠释着生活的温度——在这里，庭院与室内的边界被温柔消弭，高定沙发正静静等待归人，大理石餐桌上凝固着月光般的雕花。这些器物会记住生日蛋糕的甜，也包容深夜归来的苦——整装交付的不仅是家具，更是未来生活的全部脚本。

杭州溪径恒庐项目实景图

近6米长的收纳柜如隐形管家般贯穿玄关，可变的电视柜随着生活场景自由呼吸。那些藏起的杂乱与露出的从容，让实用与审美在细节里悄然和解。

杭州溪径恒庐项目实景图

厨房里威乃达橱柜倒映着晨光，嘉格纳灶台炖煮着聚会欢笑。改造好的水电线路静默潜伏，只待人间烟火在此自然生长。

杭州溪径恒庐项目实景图

衣帽间的柔光漫过首饰盒，北次卧的白墙等着涂鸦梦想。实木大床托着安眠，整装包里的每件软装都是设计师预埋的温柔伏笔。

杭州溪径恒庐项目实景图

下沉式客厅的挑高空间里，茶吧岛台随时准备迎接派对。就连保姆间的智能马桶都透着体贴——所谓理想之家，就是让每个角落都被温柔关照。

杭州溪径恒庐项目实景图

步入上叠空间，电梯门开合瞬间，艺术光影在定制贴膜上流淌，指尖掠过轿厢的木饰面，抬头遇见星空玻璃顶的倒影，逼仄感被温柔驱散。

厨房里，意大利威乃达橱柜的烤漆微光与嘉格纳灶具的金属冷感，在凯斯宝玛拉篮的顺滑轨迹中达成微妙平衡。LDKB格局像解构的拥抱，任饭菜香与谈笑声在1.5米大理石桌面上流转，而织物沙发早已陷落一片阳光。

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

杭州溪径恒庐项目实景图

开发商绿城，杭州桃花源板块，占地面积约9.95万方，容积率 低至1.01，十年杭州主城最低容积率地块，产品规划29幢3F法式风格 29幢4F庐系叠排，面积段法式风格：建面约285-400㎡，庐系叠排建面约235-300㎡。总价700万起·安家桃花源！

示范区实拍

豪宅

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

规划合院+叠墅

纯低密大盘

绿城溪径恒庐规划为合院+叠墅，共计363套，（风格现代东方+创新简法），99套合院（285-396方）、264套叠墅 （249-280方）。

更多效果图如下：

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

控规图如下：

联排为3F：

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

叠墅为4F：

环境及配套

城西低密豪宅区

整体环境非常好：

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

周边配套有：

交通：地铁16号线禹航路站直线约1.2公里（步行约1.6公里）；自驾方面，有运溪高架、杭瑞高速等。

学校：禹航实验学校、南湖幼儿园，杭州英特外国语学校，杭州学军中学（海创园校区）等；

商业：约4公里范围内有未来科技城万象城（在建中）、江南时代购物中心、老余杭万达广场等；

产业：主要依靠未来科技外溢，如菜鸟总部直线约2.5公里等；

医疗：浙江大学附属第一医院直线约4.4公里等；

其他：附近有薰衣草庄园、浙江职业足球俱乐部（绿城足球学校）等。

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线4008558224（官方预约看房热线）

周边楼盘价格参考

绿城限价3.315万/平叠墅卖的不错

价格如果想要对比周边的话，可以参考隔壁的绿城咏溪雲庐，是绿城的雲庐系列作品，产品力非常强，流水院墅颇为宜居。

咏溪雲庐整盘户型面积约200-390方，清一色改善款，精装限均价3.315万/平，主力总价约660-900万起，社区氛围颇为纯粹。卖还比较顺利，目前已经售罄。

绿城溪径恒庐容积率1.01更低，配置的产品更高端，5.5万的合院，你怎么看？

✅绿城溪径恒庐售楼处电话：400-8558-224✅︎✅︎✅

✅绿城溪径恒庐营销中心热线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。