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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✅缦云上海售楼处电话：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

缦云上海是合生创展在杨浦滨江打造的一个高端住宅项目，体量很大，约88万方，还自带商业、写字楼和风貌建筑，定位很明确——就是给追求品质生活的人准备的。

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✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅

✅缦云上海营销中心热线4008558224（官方预约看房热线）

「缦云上海」

杨浦东外滩滨江板块

建面约226-330㎡大平层/小洋房

一线品牌豪装交付 均价12万/㎡

收官楼王位置可直接选

样板房提前线上预约

合生地产 高端缦系产品

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该项目是合生在上海首个缦云作品，总建面约80万㎡，是杨浦滨江一线的超级综合体，更是杨浦滨江风貌带上的全新街区，项目集合多业态于一体，未来将建设合生汇商业广场、高端住宅、风貌别墅、五星级酒店、办公写字楼等诸多业态。

开发商：合生创展

板块：杨浦滨江南段核心区

总占地面积：约14万方

总建筑面积：约88万方

主力户型：约202㎡/209㎡/229㎡/253㎡/269㎡ 4-5房

总价：2300-3289万

总高：2栋高层、1栋16层和13栋约10-12层小高层

主力层高：3.3米-3.5米

约2000万级高净值人群们

出催的改善置业逻辑

根据实地勘察发现：选择缦云上海的业主中，有相当一部分是来自全市的金融、科技、文化等领域的资深人士与企业主。

而在与部分业主交流及观察其社群氛围后，我们得到了关于他们放弃传统市中心光环，选择缦云上海的原因。

这主要源于一种更清晰的逻辑：他们追求的并非单纯的地段标签，而是一个在产品、审美、服务与圈层上都高度纯粹、独一无二的国际化生活方式。

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首先是审美与品位生活的挑剔：

他们拒绝浮夸，追求简约中蕴含力量的国际审美。

对于这群塔尖人物而言，“奢华”早已不是材料的堆砌与符号的张扬。

缦云上海正是这种审美的实体回应：

它没有浮夸的装饰主义，而是以国际化的外立面、静谧的色调，构建出与江岸对话的建筑雕塑感。

现代国际的酒店式落客，让归家仪式感拉满。门口水景矗立一座艺术雕塑，据说是艺术家朱峰的著名作品，仪式感之上又多添了一份独特的艺术性。

更是在地库、单元门这些公共空间，也坚持使用安缦系石材、现代简约的铝板，让归家动线成为一场贯穿始终的美学体验。

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在别人疯狂复制产品线的当下，缦云上海将独特的品牌基因，通过空间与身心之间的宁静、平和优雅的产品调性，打造出一系列“改变游戏规则+经受时间审视”的产品和服务，打动一批追求精致与高品位生活的上海高净值人群。

物业与服务的极高需求

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他们需要的是可感知、全球化、定制化的生活服务解决方案，而非基础维护。

而这，恰好是缦云上海的最强优势之一：

缦系无边际服务体系包含280余项细则，建立在时间、空间、私属三个维度之上。

除了拥有上海品质物业基础服务外，缦系物业还有针对业主定制的增值私属服务，6大类27项内容，例如：

享受每年一次纪念日活动策划服务，每年10天宠物托管寄养服务，儿童校车点接送服务，每周2次入户清洁服务，健康资讯类名医名院推荐服务等等....

还有强大的全球资源链接：链接全球60多座城市的顶级美食、教育、医疗、商旅、生活等资源和服务。

比如，盖茨级别会员专享的特供哈兰酒庄、香港马球会资源，甚至在亚马逊森林拥抱自然、冰岛看极光，全部都能给业主安排上。

这是独属于全国高净值人群的高端物业服务。

圈层的绝对纯粹

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塔尖人士追求社区圈层的绝对纯粹，这里将成为他们事业与生活同频共振的社交主场。

纵观上海顶豪市场，在如今的市场中，挂牌均价依旧能维持在约20万/㎡+的，只有那些纯粹的顶豪项目：

以大面积段主导的顶级豪宅们，其保值与增值的韧性早已被周期验证。

而目前的上海，尤其是杨浦滨江，缦云上海是唯一的、主力约200㎡以上的纯粹改善型新房！

因此，选择缦云上海，本质上是这群塔尖客群基于极度理性的集体决策！他们用千万级资本，投票给一种高度统一的价值体系与生活承诺。

以实景交出震撼市场的终卷

更以定格服务定义行业标杆

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缦云上海一期的交付，一个直观的感受是：这是一场开放性的美学展陈、敞开生活的体验，向所有人开启缦云上海的美学鉴赏

缦云所倡导的生活体系，是一套更为符合当下人们追求的美好生活指南，实景交付，将之前过程中的所有疑虑，都彻底碾碎！

品味：美学是社区的基因

踏入社区，艺术并非后置的装饰，而是空间的起点。

《无尽之环》雕艺术雕塑，以充满哲思的形态，瞬间锚定了项目超越常规的格调。

这传递了一个清晰信号：这里的审美，是统一的、前沿的，服务于一群拥有国际视野的同道者。

地库：艺术的仪式感

归家体验从驶入地库便开始升华。

大理石与铝板构筑的空间，设计语言与奢华酒店一脉相承。

精心设计的灯光与水磨石地面，将功能性空间转化为具有五星级酒店仪式感的隐奢第一厅，让每一次回家都成为从喧嚣步入宁静的转换。

园林：隐奢的酒店式水景

景观营造以百年黑松、朴树与红枫构成季相丰富的林木序列，融合灵动水景，形成步移景异的自然体验。在这样一个精炼的社区尺度内，入口处竟巧妙排布了三处有意境的水景。

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这绝非简单堆砌，而是在方寸之间构建了一个精致的酒店式园林。

这样的能力、实力也为接下来三期的实景带来了极大的期待感。

第二会客厅：全龄段的生活舞台

地上地下联动的复合式泛会所，约2000㎡的规模与功能深度数倍于常规项目。

并且，这里的每个空间都针对现代家庭的高频需求精准设计：

共享客厅，很适合办个家庭聚会，或者邀朋友来场小型沙龙；

茶室可以安静地谈事情，也能一个人发呆、看看书；

琴房不只是摆架钢琴，更是给自己留的一个角落，弹弹琴，静静心；

四点半学堂最实在，孩子放学后有地方待，能写作业，也能交朋友，解决了家庭的一大难题。

它们彼此联动，覆盖了从个人精神滋养、到家庭亲子互动、再到社群邻里交往的全维度生活场景。

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而支撑这一切的，是贯穿始终的高级审美与精工标准：

硬装层面，选用天然石材、实木饰面、金属型材等高品质基础材料，通过简洁有力的设计语言进行整合。

软装则延续了缦云低调隐奢的调性，进口家具、艺术装置均经过统一遴选，色彩与材质搭配呈现出静谧而富有层次的视觉感受。

有爱的社区：对生活的全维度关照

更令人触动的，是项目对“儿童友好”理念充满巧思的现代诠释。

交付现场，一只科技感十足的儿童机械狗成为了孩子们的焦点伙伴。

这个充满未来感的互动装置，并非简单的玩具，而是用科技与互动，瞬间拉近了孩子们与新家的距离，也让欢迎变得具体可玩。

在儿童空间的设计上，项目参考了联合国儿童友好社区标准，甄选阿那亚同款的户外儿童游乐设施，确保了设备的安全性与设计的前瞻性。

室内更是有3个大型幼童游乐区、多个大童学习区，满足不同年龄段儿童的需求，下雨天也能安心在社区游玩，实现家的空间延伸。

这些证明了开发商的用心，早已超越了物理空间的营造，深入到了对家庭情感与未来生活的细致关照之中。

服务：从概念到日常的温暖转化

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专业形象的物业团队，在交付中展现出的主动性与亲和力，尤其对孩童的自然友善，让“高端服务”从纸面承诺，转化为可触可感的温暖日常。

服务的温度，自此成为社区氛围的基石。

这场交付的深刻之处在于，它同步完成了“硬件呈现”与“软件启动”。

从欢迎回家的鲜花暖饮，到蕴含文化寓意的乔迁剪彩仪式，再到专业管家与超级管理员的全程陪同，业主体验到的是一套完整、细腻、充满尊荣感的顶格服务系统”的首次流畅运行。

最后，也是最为重要的一点：缦云上海的好口碑，不止来源于我，更来自最严苛的评审：业主的自发证言！

交付后，社交平台上业主们对室内细节、收纳工艺的由衷赞叹，成为了最具说服力的口碑。这些来自真实居住者的“室内很棒”的评价，胜过任何广告语，是对产品力最硬核的背书。

缦云上海的交付，实为一次“标杆定义”。它用实景回应了审美质疑，用细节兑现了品质承诺，更用一套充满仪式感与人性化的服务流程，让住在这里的人，感受高标准的生活品质。

不止于杨浦 更是上海的作品名片

当项目步入收官阶段，其影响力早已超越板块能级。凭借Nicholas Fung（冯智君）等国际大师团队的笔触，以及像约269㎡5+1房这样在同等总价段中堪称“设计教科书”的户型，缦云上海吸引的已是来自全上海的财富目光。

它不再仅仅是区域的销冠，更成为了上海高端市场公认的 “产品力灯塔”。尤其值得一书的是，项目特邀“安缦设计哲学在亚洲的重要传承者”、缦品牌国际大师 Nicholas Fung（冯智君）先生亲自操刀。

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凭借其近25年顶奢酒店设计经验和全球视野，为缦云量身定制330㎡美学样板，一起来欣赏一下：

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与此同时，约259㎡户型及其样板间，同样以极高的完成度与人性化细节，印证了产品线的整体卓越。

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第一，约3.3米层高，更高的天花板让整个空间显得无比通透、宽敞、大气。

这是杨浦滨江唯一一个，能达到约3.3米层高的房源。

而同样层高的顶级豪宅们，起码都在约15万+的房价水平，但缦云上海的均价仅约12.2万/㎡。

第二，正5房的实用性就不多说了，能满足从三代同堂到三胎家庭所有的生活需求。

第三，3间套房的设计能满足各个家庭成员的隐私。尤其是主卧，尺度超大，并配置了双台盆+浴缸+淋浴+马桶豪华四件套，还有超大步入式衣帽间。

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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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第四，得益于约80%的超高得房率，这个户型在保证超高实用性的同时，还兼顾了极为宽奢的尺度感，尤其是一体化+南北通透的客餐厅+厨房，喜欢开House Party的小伙伴，该客餐厅可完美胜任。

第五，巨大的开间、连贯的视野、充裕的储物空间，在物理上消除了“紧凑感”，在心理上营造出宁静、开阔与掌控感。这是应对快节奏都市生活的终极缓冲地带。

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至此，缦云上海完成了一次完整的价值论证：它的成功，并非源于对地段潜力的单纯透支，而是基于对高端生活方式的绝对征服力。从国际大师的倾力加持，到一种穿越周期、永不过时的审美体系，再到一场惊艳的实景交付——它证明了，真正的标杆，能够跨越地域的固有认知，吸引整座城市的顶尖购买力。

缦云上海三期一房一价表：

✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅

✅缦云上海营销中心热线4008558224（官方预约看房热线）

✅缦云上海售楼处电话：400-8558-224✅︎✅︎✅

✅缦云上海营销中心热线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。