海上清和玺(售楼处)首页网站-海上清和玺销售中心(营销中心)-海上清和玺楼盘欢迎您-小区环境-户型-价格-地址-楼盘详情-周边配套-售楼处电话-交房时间

海上清和玺售楼处电话：400-8558-224✔✔│海上清和玺官方售楼处地址发布：上海徐汇海上清和玺官方售楼处电话400-855-8224

海上清和玺是上海徐汇区的高端住宅项目，由招商蛇口、上海地产集团（60%）与徐汇城投（40%）联合开发，定位为招商“玺系”旗舰作品，融合海派文化与现代奢居理念。以下是核心信息整理：

海上清和玺售楼处电话☎：400-8558-224

一、基础信息

位置：徐汇区长桥板块（上中路与龙川路交汇处），紧邻中环高架，距徐汇滨江约1公里，上海中学对面

规模：总建面约17万㎡，含7栋高层、4栋洋房及保障房，容积率3.12，绿化率35%，全人车分流

：

洋房加推：2025年6月28日加推四批次25套低密洋房（建面约141-143㎡），均价12.7万/㎡，总价约1900万起

前期房源：少量建面约112-177㎡高层在售，均价11.28万/㎡。

海上清和玺售楼处电话☎：400-8558-224

二、产品亮点

洋房设计（6-7层）：

稀缺性：徐汇唯一在售纯洋房社区，类一梯一户独立入户，南向面宽达15.5米（超黄浦顶豪户型）

户型：143㎡四房全明格局，四开间朝南，270°转角飘窗，得房率83%（远超上海高层75%平均水平）

价格优势：单价低于周边地王项目（绿城19.5万/㎡、东安新村20万/㎡），总价1900万级即可拥有四房洋房

高层户型：

112㎡三房（三开间朝南）、177㎡四房（双套房+双梯两户）

精装交付，配大金中央空调、博世厨电、进口建材（如意大利IMOLA陶瓷）

海上清和玺售楼处电话☎：400-8558-224

海上清和玺售楼处电话☎：400-8558-224

社区配置：

会所：约3000㎡含恒温泳池、品牌健身房、私宴厅

园林：1万㎡全维立体花园，融合叠水连廊设计

车库：“中央车站”概念连通会所与地下庭院

三、核心配套

交通：双轨交覆盖（15号线罗秀路站650米+在建23号线）

教育：3公里内集聚逸夫小学（徐汇四大民办）、园南中学（公办优质校）、上海中学等7（注：学区未最终划定）。

商业/医疗：周边3.5公里涵盖徐家汇商圈、前滩太古里等；5所医院+94家社区超市

海上清和玺售楼处电话☎：400-8558-224

四、市场反馈

此前三批次开盘均“三开三罄”，首开当日100%去化

徐汇近3年新房供应6864套，洋房仅42套（占比0.6%），稀缺性显著。

提示：项目需提前预约参观，且高容积率可能导致楼间距较密，建议实地考察

海上清和玺售楼处电话☎：400-8558-224

上海不缺房子，缺的是好房子。

究竟什么样的房子，才是真正值得购买的“好房子”？

答案或许因人而异，但核心要素始终离不开2大关键点：品质与地段。

地段毋庸多言，绝大多数人心中，买进上海市中心就是人生的终极目标。

但随着新房豪宅化，置业门槛不断增高，如今预算千万级基本上买不到什么好地段的豪宅产品。

好在当下，以千万级预算撬动更好地段、更高产品力的机会，来了！

海上清和玺售楼处电话☎：400-8558-224

上海徐汇海上清和玺官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）

看房请提前致电预约，可享受内部渠道优惠！联系销售人员获取最新一房一价表，官方售楼处最新优惠底价！开发商官方销售人员将详细介绍每个户型的独特设计和优势，带您参观样板间，感受精装修的品质和温馨氛围。您还可以了解周边配套设施，包括高端购物中心、优质学校和便捷交通网络，让您的居住体验更加完美。

作为目前徐汇在售的新盘，【海上-清和玺】，三期火热认购中！

2024年12月29日，海上·清和玺二批次再次热销全城！

短短1个月时间，从首开日光到此次圆满二开，累计热销48亿，再一次以卓越产品力领衔徐汇。

海上·清和玺此次开盘，177m²户型单价超13万房源全部售罄，其中最贵的一套认购金额超过2300万（单价约13.41万/㎡）在开盘1分钟内被选，可见十年新玺的品质实力！

海上清和玺售楼处电话☎：400-8558-224

实力的背后，源于持续对徐汇产品力的引领与思考。

自项目实景展示区“清和贵雅会馆”开放，前所未有的经典产品设计迅速在全网实现高热度的关注，各界关注人士莅临品鉴，形成了独有的“清上·清和玺热度”。

能在如此短暂的时间内，实现热销的达成，更是源于十年新玺品质的认可和青睐。

项目三期4月27日开盘，当日去化80套+，去化率约80%！

推售建面约112-120-135㎡3房

过会均价112800元/㎡，总价1016万起

海上清和玺售楼处电话☎：400-8558-224

不管是多功能会所的规划效果、还是创意展示空间的实景呈现，都带给人很强的视觉冲击力！

海上清和玺售楼处电话☎：400-8558-224

海上清和玺售楼处电话☎：400-8558-224

项目建筑效果图，仅供参考项目建筑效果图，仅供参考

户型图赏鉴

海上清和玺售楼处电话☎：400-8558-224✔✔✔【预约☎】

上海徐汇海上清和玺官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）

海上清和玺售楼处电话☎：400-8558-224

海上清和玺售楼处电话☎：400-8558-224✔✔✔【预约☎】

上海徐汇海上清和玺官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）

招商在以往的成功经验基础上，调研了大量客户需求，为户型设计带来重磅升级：

海上清和玺售楼处电话☎：400-8558-224

项目舍弃了传统逼仄的百平三房，将最小面积提升到了建面约112㎡，而这12个平方的提升，让整体户型的空间尺度感达到了新的高度。

在户型细节方面，全系高层户型，配置S墙。把传统直墙做成弯的，为相邻两户创造出了额外的凹槽空间，扩展了收纳。

这是一个非常巧妙的设计，比如将冰箱塞入这个凹槽，从而释放厨房的冰箱空间，延伸灶台的面积，或者可以做岛台...

而在建面约134㎡ 3房，配置了主卧套房，更是配置了270°环幕级景观飘窗，正如同全面屏一样，带来IMAX级的宽幕视野！

在细节装标方面，我们来看创意展示间（仅供参考，最终交标以买卖合同以及实际交付为准）：

通室整体选择了全新升级的奢石、奢板、奢皮、奢镜混合搭配，将静奢海派的艺术感展现的淋漓尽致。

海上清和玺售楼处电话☎：400-8558-224

入户空间，配置精装铸铝门，定制5合1门锁，点缀以奢石把手。

玄关位置地面采用石材，个性化的logo拼花，尊崇感十足，配合定制玄关柜，柜内交付有除臭精灵，功能性与颜值，双双拉满。

海上清和玺售楼处电话☎：400-8558-224

创意展示间实拍，非交付标准

海上清和玺售楼处电话☎：400-8558-224

厨房方面，水波纹玻璃+金属造型玻璃移门，隐形上轨，厨房交付线性凉霸、末端饮水、博世或AEG（或同等品牌）烟灶、洗碗机三件套。

创意展示间实拍，非交付标准

划重点，项目同样交付AEG或博世（或同等品牌）内嵌冰箱，厨房配置一应俱全。

创意展示间实拍，非交付标准

客餐厅方面，电视背景墙采用卡慕白石材+皮革，均为交付标准；地面采用简一（或同等品牌）的900*1800仿石砖，密拼施工，几乎看不到有任何缝隙——相信有装修经验的小伙伴一定知道，这种大砖的价格和这样的密缝工艺成本有多高！

海上清和玺售楼处电话☎：400-8558-224

创意展示间实拍，非交付标准

主卧大套房设计，拼花实木复合地板，更显海派风味。

创意展示间实拍，非交付标准

海上清和玺售楼处电话☎：400-8558-224

卫浴方面，地面及淋浴区，全部选用石材，墙面的公主白玉岩板，温润暖色调，质感非凡。

海上清和玺售楼处电话☎：400-8558-224✔✔✔【预约☎】

上海徐汇海上清和玺官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）

唯宝（或同等品牌）台盆、主卫科勒（或同等品牌）复古龙头、高仪（或同等品牌）智能马桶、奢石台面、镜柜美妆冰箱、线性风暖……每一个细节，招商都为业主考虑到了。

创意展示间实拍，非交付标准

新玺系的品质，仅在室内这一项，就已经体现得淋漓极致，而视野转到室外，更是从不让人失望。

项目信息

海上清和玺售楼处电话☎：400-8558-224海上清和玺由两幅地块组成，（徐汇长桥xh315-10地块、xh313-16地块），项目四至范围：东至龙川路，南至罗香路，,西至长桥路，北至地块边界，临近中环高架！

其中xh315-10地块为三类住宅组团用地（90%）、社区级公共服务设，施用地（10%），总用地面积约36686.38平方米，容积率3.12，限高100米，总建筑面积约172234.10平方米，地上计容面积约114461.51平方米，其中商品房面积约101062.94平方米，规划住宅套数835套。

xh313-16地块为三类住宅组团用地（57%）、四类住宅组团用地（16%）、社区级公共服务设施用地（27%），总用地面积约3000.12平方米，容积率3.17，限高60米，总建筑面积约12282.28平方米，地上计容面积约9510.38平方米，规划住宅套数91套。该住宅应该是作为保障房使用。

根据设计方案显示，项目拟建7栋25至33层的高层住宅、4栋6至14层的洋房和1栋19层的保障房，可售住宅835套。

01、曲面流体建筑，定制徐汇的新美学标杆

正所谓颜值即正义，在这个看脸的时代，外立面很重要。

而海上·清和玺的外立面，给人的第一感觉就是：不愧是豪宅，外立面的审美表达也太高级了。

海上清和玺售楼处电话☎：400-8558-224

海上清和玺售楼处电话☎：400-8558-224

项目提取徐汇滨江流动线条，打造新城市曲面流体建筑，圆弧式转角背后即是对于艺术滨江的美学致敬。

香槟金色格栅塔冠与壁柱形成的形制立面，完美演绎“玺”系基因的精髓，尽显低调奢华的气质。

海上清和玺售楼处电话☎：400-8558-224✔✔✔【预约☎】

上海徐汇海上清和玺官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）

阳台、飘窗、北立面连廊外侧极致大面积玻璃搭配精致的层间金属飘板，公建化立面既视感强烈，通透而雅致。

基座更是采用大面积石材搭配艺术玻璃古铜色金属窗框，辅以奢石、艺术等点缀，从上到下，处处皆是奢华质感。

不止是建筑设计，项目对于公区景观、会所的审美表达与细节呈现都十分高级。

海上清和玺售楼处电话☎：400-8558-224

02、新海派景观礼序，定制独特的艺术生命力

社区景观规划同样匠心满满，其以“新海派丁香花园”为总规划理念，源自19世纪丁香花园的中西结合建筑风格，将海派风格再度创新表达。

项目景观效果图，仅供参考

海上清和玺售楼处电话☎：400-8558-224双下沉式庭院、中央会客花园、儿童活动乐园以及带有休闲舒适卡座、定制mini空间的谧静宅间花园等设计，错落有致，赏心悦目。

无论是日常会客，还是孩子玩乐，都能从容有度，自得其乐。

项目景观效果图，仅供参考

海上清和玺售楼处电话☎：400-8558-224不止是空间的营造，项目在花木选材上也极其考究用心，选择如红果冬青、羽毛枫、丛生朴树、丛生香柚等高观赏性的树种，只为给业主带来步移景异、四时不同的景观体验。

项目景观效果图，仅供参考

03、约2000平高定会所，定制尊崇的日常生活

更惊喜的是项目的高定会所，不仅体量大，在功能上也做到了创新升级，以超乎寻常的产品力，来匹配高净值人群的生活格调。

海上清和玺售楼处电话☎：400-8558-224

一起来感受一下有多惊艳

无边泳池，海派法式设计定制，璀璨星空顶搭配通透全景视野，宛如一件熠熠生辉的艺术藏品。

项目会所效果图，仅供参考

活力健身区，同样是法式定制，选择沃特罗伦品牌健身器械(或同等档次品牌)，不管器械健身、有氧训练，日常健身需求即可满足。

项目会所效果图，仅供参考

还有常规项目没有的3D室内高尔夫，不仅是结合现代AI科技智能打造，且选择了高尔夫尊（或同等档次品牌），为业主专属定制尊崇的休闲体验。

项目会所效果图，仅供参考

海上清和玺售楼处电话☎：400-8558-224

除此之外，还包括私宴厅、瑜伽室、阅读角等多重功能，可满足业主多元化的休闲与社交需求，尽情享受身心的放松与愉悦。

项目会所效果图，仅供参考

海上清和玺售楼处电话☎：400-8558-224

在这之外，在海上·清和玺你还能看到更多充满高级感的审美表达、更多人性化的细节设计：

海上清和玺售楼处电话☎：400-8558-224

如为了保持地块的纯粹性，项目在社区规划上，将北侧界限相对用地红线整体退让，把小区部分配电房规划到了围墙之外

再如为了进一步提升业主的生活舒适度，项目特别配置了无风雨归家连廊，巧妙地将室外空间与室内环境无缝衔接；

无论是晴天还是雨天，业主都能享受到一份从容与便捷，无需担心天气变化对归家之路的影响。

项目公区效果图，仅供参考

更贴心的是，项目的地库不仅配置了地上/地下双入户大堂，而且地库还特别打造司机休息室；

海上清和玺售楼处电话☎：400-8558-224

同时还预留洗车房空间，配合项目高标准的管家式服务，如洗车（收费）、管家垃圾、快递、外卖上门收取等，全方位提升业主的生活品质。（仅供参考，最终物业服务内容以物业服务合同约定为准）

项目公区效果图，仅供参考

生活配套

海上清和玺售楼处电话☎：400-8558-224✔✔✔【预约☎】

上海徐汇海上清和玺官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）

交通方面：地块周边最近的地铁站是15号线罗秀路站，直线距离约650米，未来还有23号线龙瑞路站（在建中），直线距离约1.1km。

商业方面：地块周边有凌云天地、徐汇梅陇商业中心等；另外，距离南方商城和徐家汇商圈等大型商业中心约有4-6公里。

教育方面：地块周边教育资源非常丰富，包括被誉为“华育中学亲儿子”的上海四大名校之一逸夫小学、上海中学、华东理工大学附中、上海小学、徐汇实验小学、长桥中学等。

生态方面：地块周边有上海植物园、前滩体育公园、前滩休闲公园、徐汇区西岸艺术公园等。

海上清和玺售楼处电话☎：400-8558-224

海上清和玺售楼处电话☎：400-8558-224

海上清和玺售楼处电话☎：400-8558-224

海上清和玺售楼处电话☎：400-8558-224✔✔✔【预约☎】

上海徐汇海上清和玺官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）

Please call in advance to make an appointment for viewing the property and enjoy internal channel discounts!

看房请提前致电预约，可享受内部渠道优惠！

Contact the salesperson to obtain the latest one-room-one-price list and the latest discounted base prices from the official sales office!

联系销售人员获取最新一房一价表，官方售楼处最新优惠底价！

The official sales staff of the developer will provide a detailed introduction to the unique design and advantages of each unit type, and show you around the model rooms to experience the quality of the fine decoration and the warm atmosphere.

开发商官方销售人员将详细介绍每个户型的独特设计和优势，带您参观样板间，感受精装修的品质和温馨氛围。

You can also learn about the surrounding supporting facilities, including high-end shopping centers, quality schools and convenient transportation networks, making your living experience even more perfect.

您还可以了解周边配套设施，包括高端购物中心、优质学校和便捷交通网络，让您的居住体验更加完美。

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。