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保利·珺园售楼处电话：400-8558-224✔✔✔（已认证）
保利·珺园售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
保利·珺园售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
纽约中央公园西的顶豪群，到伦敦海德公园一号，从香港半山的传世宅邸，到北京缦合
# 最新消息#
保利深耕杨浦十年第十子
上海久违十五年
惟此1.1容积率 低密滨水墅邸
国际江湾 豪宅封面 融萃东西方庄园美学
将推建面约105-140㎡6F墅质洋房
以及约161-190㎡4F叠拼墅邸、约200-290㎡3F滨水联排
嘉格纳三件套+3重柔性定制升级+女神6件套
JunYa会客厅&样板间现已开放
即将取证，首开在即
纵观世界塔尖豪宅的传奇，从来都不只是建筑的雕琢，而是对不可复制稀缺价值的绝对占有，这份占有，藏着四大核心密码，缺一不可！
对核心板块的绝对统治
锚定城市高阶板块，由顶豪持续聚集与时间沉淀而成，顶豪价值基底与生俱来，板块地位无可替代；
对稀贵资源的极致私藏
集生态禀赋与人文教育于一体，占据城市不可再生的双重稀贵禀赋，是其他板块难以企及的稀缺组合；
对绝版低密的极致呈现
在城市核心区以近乎绝版的低密规划，划定奢居尺度，承载塔尖终极居住理想，这种 “核心 + 低密” 的组合未来难再复制；
对顶豪圈层的纯粹共鸣
汇聚同频高阶人群，以纯粹圈层划定边界，彰显塔尖生活的专属价值；
这些刻在顶豪基因里的特质，让它们成为跨越时间的价值标杆，也让全球高净值人群始终追寻着这份 “独一份” 的居住答案！
而当我们用世界顶豪的价值逻辑来审视当前上海新房市场，如果要入手一套符合这四大标准的资产，那一定要来看：
保利·珺园
因为TA不仅仅是完美契合这四重稀缺价值，更是将其淬炼成为专属的【无价】特质！
保利·珺园售楼处电话：400-8558-224✔✔✔（已认证）
保利·珺园售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
保利·珺园售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
手握八大地王淬炼的板块豪宅天赋、市区唯一原生湿地公园之上的无双生态、上海15年一遇容积率1.1低密的稀贵地块、再加上四大首创升级的产品力精研和复旦领衔的纯粹高净值圈层，四重【无价】特质合一，这正是新江湾对世界顶豪居住标准的完美作答！
项目信息
上海主城15年一遇的低密土地
在上海核心区顶豪市场，大平层是绝对主流——高层、超高层，几乎成为“终极改善”的标准答案。
但保利·珺园却跳出了这一框架：容积率仅约1.1的低密滨水墅居，开辟了一条“完全没有竞品”的独立赛道！
上海市区近15年来，除风貌保护地块外，从未公开出让过容积率低于1.1的纯住宅地块，多数改善盘容积率都在2.0-2.5，高密度排布牺牲居住舒适度的同时，也透支了未来10年的价值天花板
而保利·珺园以1.1极致容积率、20米建筑限高，成为主城15年来罕见的纯低密大宅！
而真正让项目封神的，是保利将低密尺度与生态环境进行了完美融合：
①1.1容积率+20米限高，天生的纯低密社区
保利·珺园总占地约5.71万㎡，总建面约6.8万㎡，1.1的容积率意味着将更多土地还给绿化与生活、20米限高决定了社区纯低密的底色，从根源上锁定圈层的纯粹性，与市面上多数“高低配”改善盘形成鲜明区别！
在当前新江湾新房市场，也是独一份的存在！
保利·珺园售楼处电话：400-8558-224✔✔✔（已认证）
保利·珺园售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
保利·珺园售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
更难得的是，地块双侧临水，对望生态走廊隔水相望，搭配社区庄园式绿地，构筑出三重生态体系，东高西低布局之下，多数楼栋瞰水观园，户户采光通透、视野开阔，推窗见绿、枕水而居！
16年市场沉淀，稀缺性与成长性早已被反复验证
而保利·珺园不仅承袭了主城低密宅地的稀缺基因，更以更优的生态占位、更纯粹的产品规划、更独特的东方海派美学，重新定义了上海主城高端人居的标准！
这样一个为终极改善而来的低密生态人居标杆之作，未来价值没有天花板！
四大上海首创领衔，产品力再度升级
作为人类居住形态的终极表达，庄园不仅是物理空间的极致占有，更是对土地与建筑的极致占有，是当代家族传承、身份象征与生活方式的集大成者。
纵览全球，英国爱敦阁庄园的广袤私域、美国费尔菲尔德庄园的极致尺度、法国凡尔赛宫的土地臻藏，到马尔代夫白马庄园的私岛独占，无一不是以不可复制的土地占有、独属于顶阶的私域形态，成为穿越时间的价值标杆。
立足中国，上海檀宫、绿宝园・翡梵的主城低密孤品，厦门云顶庄园的顶奢稀缺形制，北京壹号庄园的城芯私域范本，皆因庄园形态的先天稀缺性，成为高净值人群的收藏级资产。
而保利·珺园，更是特邀全球五大顶级设计事务所联袂执笔，汇聚GOA袁源、JTL王小波等豪宅设计大咖，以1930年代海派Art Deco风格，融东方哲思与现代极简，萃取全球六座顶尖白马庄园 “高定度假” 精神，以东方庄园的世界表达，重塑当代人居审美。
东方建筑美学，复刻顶奢基因，融合海派底蕴
保利·珺园深度萃取巴黎白马庄园（Cheval Blanc Paris）核心美学，同时融合上海花园饭店、和平饭店、张园石库门等东方海派建筑元素，以“仪式感、纯粹性、细节感”为核心，打造兼具国际风范与海派底蕴的建筑格调
仪式感上，复刻巴黎白马庄园标志性阵列柱廊、穹顶、花格窗等经典符号，对称式布局搭配精致雕花纹饰，入户动线仪式感拉满；
立面上，甄选古铜不锈钢、超白玻璃、天然奢石、莱姆石等高端材质，外立面以米白贝金石、古铜金属、法式蓝灰玻璃构成低饱和度高级色系，质感通透且历久弥新。
保利·珺园售楼处电话：400-8558-224✔✔✔（已认证）
保利·珺园售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
保利·珺园售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
细节上，入口处的“最后三米”更是极致打磨，从酒店式入口到奢石门把手，将豪宅基因融入每日归家体验，彰显圈层尊崇。
更难得的是，保利在单元入口精准复刻巴黎白马庄园酒店的檐口造型与花格纹饰，带来仿若独栋的尊贵感与定制感。
细节上，入口处的“最后三米”更是极致打磨，从酒店式入口到奢石门把手，将豪宅基因融入每日归家体验，彰显圈层尊崇。
景观与社区，两环二轴解锁六大庄园梦幻体验
景观打造上，保利·珺园以东方庄园的世界表达为内核，萃取全球六座白马庄园高定度假灵感，将马尔代夫、兰德里、圣特罗佩、塞舌尔、圣巴特岛、巴黎等顶奢度假美学融于一园。
保利·珺园售楼处电话：400-8558-224✔✔✔（已认证）
保利·珺园售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
保利·珺园售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
去年，保利凭借极致创新引领行业高端人居风向，屡屡刷新市场认知！
保龄球馆、康养高压氧舱到湿蒸桑拿等会所奢配，都在以超越同级的硬件标准，重构高端社区生活体验，树立行业产品力新标杆！
而这一次，保利在会所功能和形式上再次创新！
整个珺CLUB空间规划16大功能区，覆盖运动、社交、艺术与休闲，融汇4大领创功能，打造出上海唯一“X+1”复合型艺术生活空间，重构庄园生活方式。
规格对标高端私人艺术会所与专业琴馆，保利在社区内打造了兼具中式古琴与西式钢琴的专属琴房，适配高阶家庭的艺术培养与圈层社交。
这背后，是保利对新江湾高知家庭的深度洞察，亦是对艺术教育与品质生活的极致尊重。
这份专属艺术奢享，是普通豪宅难以企及的精神共鸣场！
·上海首个带冷疗舱的小区：
接轨国际顶流健康管理标准，保利·珺园引入专业冷疗舱设备，冷疗舱此前仅见于高端私人健康会所、职业运动员康复中心与顶奢度假酒店（如迪拜帆船酒店、瑞士高端健康度假村）
·上海首个带水疗的小区：
秉承度假即是疗愈的理念，项目汲取白马庄园标志性的水疗中心打造私人化高端水疗空间，对标国际五星级酒店水疗中心（如丽思卡尔顿、宝格丽专属水疗馆），这份配置在上海住宅中独一无二。
·上海领创全景平行客厅：
保利·珺园打造了一个集私宴+花园休憩+品茗+棋牌室+KTV的私享空间，不是传统意义上的社区私宴厅，而是兼具高度私密性与完整社交链条的主场中的主场，成为业主家庭客厅的重要延伸！
更具创新性的是X+1的空间设置：
打破单一功能边界，让每一处场景都超越想象！
健身房不止是运动，更叠加高压氧舱、冷疗舱、瑜伽舱等奢配，实现从健身到康复、从舒缓到焕活的全维度健康管理；
泳池不止是畅游，更搭配专业理疗池，将康养奢享融入日常；
阅读室不止是书香，更延伸家教区、儿童成长区，让人文与陪伴同步发生；
篮球场不止是竞技，更拓展匹克球场，满足全龄段、多元化的运动社交需求。
每一种功能都1+1＞2，每一处空间都不止所见、更超所期，真正以超前创新，重新定义顶豪生活的奢适尺度。
保利·珺园售楼处电话：400-8558-224✔✔✔（已认证）
保利·珺园售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
保利·珺园售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
六大豪宅手法革新，刷新当代豪宅产品力标杆
再来说产品，老实讲，保利在产品打造方面一直是引领全上海的！
去年浦东超级红盘保利·天奕首发“松弛度假风”，收获市场一致好评，尤其是定制岩板等个性化设计，很多市区豪宅项目纷纷跟风！
但不得不说，能打败保利的只有保利自己！
而在保利·珺园，产品力再度迎来迭代升级，继续引领上海豪宅新风尚！
在天奕基础上，从她享主义、个性定制、人本化设计、用材四大核心维度全面升级为六大豪宅手法革新，覆盖厨房、卫浴、收纳、智能、美学等全生活场景，以诸多行业首创突破常规，将每一处居住细节赋能，刷新当代豪宅产品力标杆！
全球甄选革新：
顶奢规格加持，彰显豪宅品质
奢装品牌上，保利珺园标配超一线品牌矩阵，嘉格纳、博世、大金、杜拉维特、汉斯格雅等顶奢品牌齐备，从厨卫电器到卫浴洁具，每一处配置都彰显顶豪品质；
让品牌的高级感融入每一处细节，既保证了居住的舒适度与耐用性，也彰显了高阶人群的生活格调！
· 个性定制革新：
从单点惊艳到全屋高定
在保利天奕的背景墙岩板定制之上，保利珺园实现定制化的全面升级，打破“千房一面”的桎梏，构建三大定制体系，将定制化贯穿入户、玄关、客厅空间，兼顾个性化需求与整体美学统一，彰显高阶人群的专属品味
从入户开始，门把手与门牌背景板均提供双款定制选择，双色彩三角贝母定制精准契合高阶人群个性化审美需求，在细节处彰显专属美学格调，兼顾质感与辨识度。
室内入口玄关保利做了金属吊线预留挂画位，业主可以在这里打造玄关个性化装饰设计，让每个家庭都能根据自身喜好打造专属家居氛围，进一步彰显家庭格调与居住品味。
· 空间叙事革新：
LDKG超大方厅，重塑改善户型稀缺范本
保利·珺园重新定义改善人居的空间逻辑，彻底打破传统户型的狭长过道、功能割裂与动线浪费，通过结构优化实现0过道浪费、超高空间利用率的超大方厅，将每一寸面积都转化为可感知、可使用的生活场景！
在这里，烹饪、就餐、会客、休闲、亲子互动自然衔接，视线无遮挡、动线无折返，无界生活新秩序尽在眼前！
·她享主义革新：
解锁女性专属奢护新体验
延续保利天奕她享主义的核心内核，珺园实现从“女神四件套”到“女神六件套”的跨越式升级，以女性视角重构卫浴美妆场景，将温柔与体面融入每一处细节，同时延伸至厨房等高频使用空间，实现从功能满足到情绪关怀的全面进阶！
在主卫空间，珺园专为女主人量身打造完整美妆奢护体系，女神六件套涵盖科勒玫瑰金美妆龙头、美妆镜柜、顶置双补光照明、专属美妆冰箱、奥普美妆浴霸及进口胭粉奢石台面，精准适配女性日常梳妆、护肤、美妆的全场景需求，让每一次美妆都是一场专属仪式感体验。
保利·珺园售楼处电话：400-8558-224✔✔✔（已认证）
保利·珺园售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
保利·珺园售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
·预见需求革新：
细节浸润日常，解锁全场景松弛人居
在保利天奕前瞻性思维规划生活场景之上，珺园进一步深化细节，以全场景人本关怀，解锁当代人居的松弛感！
在厨房场景，细节进一步延伸，行业首创高低台厨房设计，台面抬高约7公分，契合人体工程学，彻底告别女性长期烹饪弯腰操作的疲惫，适配日常高频烹饪需求。
收纳场景上，珺园精准破解高阶家庭储物痛点，打造全空间收纳体系：
玄关配备小红书爆款多功能条板收纳墙，灵活适配杂物收纳需求；
顶奢规格加持，刷新豪宅艺术标杆
在保利·珺园，高定审美表达贯穿始终，甄选全球稀有奢石与高阶材质，融萃国际审美视野下的图形语言与弧形线条设计，在细节处淬炼经得起时间考验的艺术质感！
六大革新覆盖全生活场景，突破行业常规，将每一处居住细节做到极致！
新规后全新户型设计，超高得房率、超绝尺度感不容错过。
来看具体的户型设计：
保利·珺园的户型为建面约105-285㎡的全周期改善业态，覆盖从6F洋房到4F叠墅、3F联排，作为建筑新规后的产品，从户型设计到附赠空间，都是碾压过往新房、二手房的存在！
· 建面约105m²三房户型，超高得房率，精致首改家庭的优选！
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南向双阳台再加上南北双270°转角飘窗，让室内通透明亮，可以称之为采光之王，在控制面积的同时，超高得房率兼顾了功能与质感，让首改家庭也能享受高品质的居住体验。
建面约127m²四房户型，超大附赠空间，改善家庭闭眼冲！
超大收纳空间让行李箱、婴儿车、换季被褥等大件物品都有了专属归处，告别家居杂乱
更值得一提的是，它还可灵活隔出N+1房，无论是二孩家庭还是需要书房、健身房的需求，都能轻松适配！
· 建面约140m²户型，超绝尺度感，一步到位的终极之选！
约6.6米的客厅超大开间，可隔出N+1房，待客与起居都显得大气从容，这样的尺度感，碾压市面上同面积段户型；
北侧还预留了家政空间，功能延伸性极强，能随着家庭成长灵活改造，实现 “可生长” 的居住理想，是兼具气场与潜力的藏品级户型！
墅质洋房之外，保利·珺园还将推出建面约161-190㎡叠墅、200-285㎡滨水联排，样板间即将开放，更多低密奢境细节静待揭晓，大家可以期待下！
您可以带小孩子进行湿地探索、观鸟赏景、骑行慢跑、草坪露营……这些市中心难遇的自然课堂，在这里就是您家日常的一部分。项目有3所双一流大学、1所国际学校、7所全龄段优质教育资源商业配套
板块信息
豪宅墅区+生态绿核+百年人文+产业引擎
地王频出，豪宅圈层
自2005年以来，新江湾城出让的土地多次刷新全国单价纪录，像项目旁边的中建大公馆的2009年的拿地价为32,484元/平方米，作为首个地价突破3万的项目，创下当时全国土地单价纪录。
保利·珺园售楼处电话：400-8558-224✔✔✔（已认证）
保利·珺园售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
保利·珺园售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
多年来建发、九龙仓、仁恒、华润等房企陆续落子，共同塑造了这里多元、成熟的国际居住氛围。如今，新江湾城已自然形成一个低调、纯粹的高端生活圈，聚集了大量科创企业主、高校教授、专业人士等高端圈层客群。
生态绿核，上海主城惟一原生湿地
高端房地产市场经历了从拼地段、拼产品到拼服务的演进，而保利珺园项目，将以全新的墅邸滨水生活，跃进“拼生态”的终极形态。
新江湾城拥有四大城市公园，其中项目西侧有约7.35万公顷的新江湾城公园，SMP滑板公园，安徒生公园，项目北侧和东侧是约24万方的生态走廊，还有9条天然水系，聚集了200多种鸟类。
百年文脉 名校环绕
“南徐汇，北杨浦”，杨浦区在上海的教育领域占据重要地位，是公认的教育强区。而新江湾更是所有上海家长向往的教育天堂，甚至很多家长单纯就为了小孩的教育买了这里。
其中3所双一流大学是：复旦大学（江湾校区），上海财经大学，同济大学等顶尖学府。
1所国际学校：上海德法学校
7所全龄段优质教育资源：
复旦大学附属中学、上海音乐学院实验学校（九年一贯制）、同济大学第一附属中学（市重点）；
复旦大学第二附属学校、上海交大附中杨浦实验学校（九年一贯制）（在建），复旦科技小学、中福会幼儿园。
教育配套信息仅供参考。学校的名称、建成时间、开学时间、招生条件、收费标准及招生区域划定等均存在未确定或者调整的可能，出卖人对此不作任何承诺，须以政府教育主管部门及校方的最新政策为准。
产业引擎，创新生态
保利·珺园售楼处电话：400-8558-224✔✔✔（已认证）
保利·珺园售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
保利·珺园售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
说到新江湾的发展离不开杨浦，杨浦2035规划布局了“一核一心两带四轴”的战略布局，其中一心即是江湾-五角场城市副中心，作为“城市心脏”与“繁华客厅”，承担着经济、商业与公共服务的核心功能。
江湾五角场和新江湾城共同构建了大创智创新发展示范区。形成了世界级的产业集群，是 “产业浓度、人才浓度、创新生态” 兼具的创新功能聚集区。
①产业浓度高——巨头与总部汇聚
目前已聚集抖音、B 站、叠纸等互联网巨头，更吸引了耐克大中华区总部、汉高亚太区研发中心、中兵北斗等4500多家国际知名企业入驻。
②人才浓度高——顶尖智力持续输血
背靠复旦、同济等十余所高校，这里天然成为毕业生首选就业区与企业研发中心落户地。吸引了超15万的产学研高知人才。
③创新生态完整——从实验室到市场的闭环
以“创智天地”为核心，这里构建了“高校—孵化器—企业—资本”全链条创新生态。背靠湾谷科技园和顶尖高校，2023年已成为国家级示范区，聚集了约70个众创平台及孵化器。
项目周边汇聚五大商业体，距离项目200m就是新江湾生活广场，约1km就是悠方购物广场，约2km是江湾里MEET678，更有美高梅酒店强势入住，约3km是大学路街区，3站地铁就可以直达五角场商圈：合生汇、万达广场、百联，苏宁易购等，满足日常购物及生活所需。
当城市不断向上生长，保利·珺园选择让生活回归自然，回归从容。在上海公认的豪宅封面区新江湾，以十五年一遇的1.1容积率低密滨水属地，表达了对土地与客户最大的诚意。它不止营造一座房子，更旨在打造一处可以亲近自然，回归家庭，沉淀内心的理想居所。保利珺园营销中心暨JunYa会客厅已经开放，诚邀莅临。
保利·珺园售楼处电话：400-8558-224✔✔✔（已认证）
保利·珺园售楼处线上预约看房热线电话：4008558224（24小时热线含专属置业顾问）
保利·珺园售楼处24小时vip热线☎：400-855-8224【开发商售楼处预约看房热线】
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。
声明：本文由入驻焦点开放平台的作者撰写，除焦点官方账号外，观点仅代表作者本人，不代表焦点立场。
