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江湾金茂府是上海第七座金茂府系项目，定位为科技奢宅标杆，由金茂集团联合招商蛇口开发（股权比例70%:30%），主推建面约114-190㎡精装3-4房，是上海首个TOD模式（地铁上盖）的金茂府3.0迭代作品。以下是核心信息整合：

江湾金茂府售楼处电话☎：400-8558-224

一、项目概况

基础信息

位置：宝山区淞南板块，长江南路与淞发路交汇处（外环内），属吴淞城市副中心规划范围。

规模：总建筑面积18.8万㎡，11栋12-17层住宅，可售807套，容积率2.2，绿化率32.75%，全人车分流，车位配比1:1.4

交付时间：预计2027年6月，物业费7.08元/㎡/月。

交通优势

地铁：距离18号线二期通南路站（2025年底通车）仅50米，4站直达复旦大学，9站至东外滩，11站至陆家嘴滨江

自驾：紧邻军工路快速路（在建）、逸仙路高架、中环路，12分钟接驳逸仙高架，30分钟通达核心城区

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二、核心亮点

科技系统

五衡科技：衡温（毛细管网+地源热泵无风感控温）、衡湿（湿度30%-70%）、衡氧（24小时新风净化）、衡净（末端净水）、衡静（三重降噪），室内PM2.5净化至10以下

社区配套

双会所体系：

1800㎡下沉式庭院会所（恒温泳池、私宴厅、健身房）

2000㎡架空层泛会所（书吧、儿童乐园等）

园林设计：三重台地景观，融入梵高《麦田》、莫奈《睡莲》艺术元素，打造“云台叠境庭院”。

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️ 三、户型与装修

主力户型

114㎡三房：南北通透+三开间朝南+双阳台，空间利用率高。

126㎡三房：大横厅设计，客餐一体化，独立玄关

144㎡四房：南向面宽超14米，7个飘窗，适合改善家庭。

190㎡四房：改善型大尺度，部分含独立电梯厅及双主卧套房。

精装标准

集采价≥3000元/㎡，对标10万+豪宅：

厨房：博世三件套、COLMO冰箱；

卫浴：杜拉维特台盆、壁挂智能马桶、高仪龙头；

细节：隐形门框、弧形收边工艺

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四、最新动态

二期加推：2025年7月下旬开盘，推「湾藏」3#、8#楼，仅100席稀缺房源，主力建面约114-144㎡户型。

价格：备案均价6.95万/㎡（含装修），首付比例二套房可享2成

首开成绩：2025年5月21日首开劲销14亿，创北上海置业高峰。

五、区域价值

发展规划：隶属“大吴淞科创中心主阵地”，未来三年千亿级投资加持。

生活配套：

商业：自带沿街商业（规划酒店、菜场等），3km内覆盖宝山万达、五角场商圈。

教育：直线3km内39所幼儿园、13所小学（如长江路小学）、14所中学（如交大附中）

江湾金茂府以“科技住宅+地铁上盖+奢享会所”三重稀缺价值，成为2025年北上海现象级红盘，适合高端改善客群及资产配置需求者

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最新消息

继首开劲销14亿

创下北上海置业市场高峰后

江湾金茂府正式宣布二期房源即将加推

以满满诚意推出新品——「湾藏」

3#、8#楼栋

携建面约114㎡、126㎡、144㎡等珍藏户型仅100席臻席

本期备案均价71500元/㎡

延续“府系3.0”科技奢宅传奇

为高端改善客群提供“超配奢享”的品质之选

「湾流的东方」上海首座云台叠境庭院 实景首映

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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。

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项目信息

项目示范区亮相，从现有资料看，北区标杆已无悬念，景观、会所体系我认为可媲美15w左右的豪宅。

让我们期待一下示范区实景的绽放。

首先是地标级立面，超高屏占比。

项目通过玻璃幕墙叠加铝板，营造「江湾之钻」钻感面屏，窗墙比非常高。

立面转角处也同样采用弧线处理，搭配天际塔冠，不仅提升了建筑的视觉冲击力，更成为区域内辨识度极高的标志性符号。

其次，超级豪门，约70米奢阔门庭。

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江湾金茂府的沿街展示面近70米，并巧妙融入奢石、铝板、水景、弧线等元素，用打造艺术品的手法铺就业主的归家动线，也焕新了淞南的城市界面。

项目园林是我最为期待的一部分。

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当别的新盘，还在比拼绿化率时，江湾金茂府已创造性打造立体景观，三重台地景观，造园难度、成本远高于普通园林。

这让我想到一个词：“折叠”。

折叠生活，园林不是平面的、单一的，而是嵌套着跌级水景、漫行水畔、观景平台、下沉式卡座等丰富空间。

折叠空间，高低差所形成的立体景观视野，不论你身处于花园绿植之中，还是于室内俯瞰或者眺望，都能享受到别样的绿色城市生活体验。

点睛之笔是约1800㎡超级会所，媲美顶豪的圈层社交场。

惠房宝统计过，即使总价上到2000万，配备会所的新盘也仅是十之一二。

比如主力总价2000万的中兴傲舍，会所面积约2000㎡；顶豪保利世博天悦会所约2600㎡。

而江湾金茂府配备了约1800㎡下沉式会所，媲美2000万+豪宅的体验。

据悉涵盖茶室、私宴厅、行政酒廊、恒温泳池、健身房、瑜伽空间、会客厅、儿童游乐等八大功能。

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同时，下沉会所围合式的布局引自然光入内，带来通透明亮的空间体验。不仅为会所引入精致美景，还可以直接进入庭院感受与自然互动的美好。

一楼大堂的社交访客会所，为宾客提供尊崇的迎宾与洽谈空间。

全景架空层会所则化身邻里互动的温馨场所，共享办公、儿童书屋、艺术花房等多元功能，满足全龄段生活需求。

看到这里，江湾金茂府这场改善升维，绝不只是配套的简单相加，也不是单纯造房子，而是将N种前沿生活，搬到家楼下，带来一场生活品质革命，造生活、造体验。

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解构江湾金茂府样板间：藏在细节里的「高级感密码」

先说样板房，还是那个词“高级感”扑面而来，就如现场一位客户所言：“区域最好的房子就该这样，面子里子都有！”

1、高定一体化设计！

不同于市面上门是门，框是框，墙是墙，看房时“五颜六色”。江湾金茂府室内采用一体化设计语言，实现空间、色彩与材质的协调统一。

项目墙面铺设大量木饰面，相比墙布，更具质感更温馨。同时为了保持室内色调的统一，建面126㎡内嵌式冰箱的面板也采用木饰面。

建面约126㎡样板间实景图，以实际交付为准

户内门更是暗藏玄机，通过巧妙的材质衔接与色彩过渡，门框、墙面与门扉浑然一体，化作 “隐形门” 。

甚至连一盏小小的夜灯，都以嵌入式设计融入墙面，与整体色调完美呼应。

建面约114㎡样板间实景图，以实际交付为准

一体化设计语言下，消除了户内五颜六色的拼凑割裂感，优化了空间整体性和一致性，带来高级的艺术品位。

2、高定奢艺弧线，让空间化身艺术空间！

样板间不是传统“金碧辉煌”的，而是真正用艺术品味去打造。

比如弧线，是建筑语言中极具表现力的元素，在室内贯穿始终。

客厅吊顶一眼匠心，多层次处理，辅以弧形工艺，非常优雅。

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转角处，大量弧线造型取代冰冷的直角，不仅以柔和的轮廓减少磕碰隐患，更为空间注入优雅与流动的气息。

甚至连主卧内卫生间墙面都做了弧线收边。

地面通铺的大面积地砖，在弧线元素呼应下，延伸出很强的开阔感。

有一些细节有必要和大家分享：

项目墙面木饰面刻意设计上下纹理差异，并镶嵌金属线条，在视觉碰撞中营造立体层次。

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入户玄关柜与卫生间抽屉，采用 “编织纹理” 皮革包裹，指尖触碰到的不仅是材质，更是高定生活的仪式感。

主卧背景墙内嵌金属线条，既是点睛装饰，又巧妙拉伸空间纵深感。

值得一提的是收纳，客厅收纳柜交付，你可以做酒柜，现场一位客户提醒了我，金茂府的恒温系统能够精准控制温度，适合珍藏酒类。主卫马桶后的置物空间也是交付标准。

4、对标10w+的精装标准！

项目专门定制「金大高档入户门」，颜值高、质感厚重，这样的门一般只在10w+楼盘中才有配备。

门锁配置同样尽显匠心，搭载飞利浦智能门锁系统，不仅有指纹、密码功能，还支持人脸识别解锁，双摄像头模拟人眼成像。

在使用频次超高的厨房和卫生间，妥妥超配。

厨房全超一线高端品牌，博世燃气灶、油烟机、洗碗机三件套；摩恩水槽、抽拉式水龙头。

colmo内嵌式冰箱也是交付标准。

建面约114㎡样板间实景图，以实际交付为准

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杜拉维特的台盆、壁挂智能马桶，高仪的龙头、淋浴花洒在江湾金茂府卫生间聚首，700万+级很少有这样的配置。

主卫还定制女主人超爱的美妆冰箱、魔镜等专属配置，贴心满满。

此外，金茂府首创“8维70项”精装细节，全屋保姆式暖心设计，不赘述了，说太多不如亲自体验。

在金茂府的“金粉”里流传着一句话：如果要搬家，也只会从一座金茂府，搬到另一座金茂府。江湾金茂府售楼处电话☎：400-8558-224

老业主最认可的，是金茂府的产品核心——科技系统，他们早已习惯科技带来的便利和舒适。

曾经，金茂实现了科技住宅的从无到有的里程碑式创新，在科技领域早已是佼佼者。现在它仍然不断精进，焕新推出“府系3.0”，深度进阶的十二大绿金科技系统，升级为五舒，更节能、更安静、更安心。

循环地源热泵系统、毛细管网辐射系统、24小时新风置换系统、抗霾防PM2.5除尘系统……直接与你的感官“对齐颗粒度”。

无论是梅雨季、还是酷暑寒冬，江湾金茂府四季如春。无需特别勤劳，家里的空间也能干爽洁净，安心做个懒人。

值得一提得益于科技系统，项目不用装中央空调、地暖，这使得它的实际层高非常舒适。

从参观大宁金茂府到现在江湾金茂府，我也感受颇深。

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金茂十几年技术沉淀，以科技赋能差异化产品，高高筑起项目的品质壁垒价值壁垒，让其它项目无法追随模仿。

而在追求卓越的道路上，推动齿轮转动的，还得是金茂府自己。每一次加码，都是在为自己穿越周期添加铠甲。

6、全系飞机户型，多飘窗设置！

项目推出建面约114、126、144㎡3-4房，偏改善，满足不同家庭需求。

三个户型都是飞机户型，南北通透，房间分列客厅两侧互不打扰，其中建面约126㎡做到约5.9米横厅。

相比动静分区户型，这三个户型没有过道浪费，空间利用率高。

多飘窗设计进一步提升使用率，比如建面约114㎡样板间利用北卧飘窗铺就舒适榻榻米。

又比如主卧飘窗，几乎面宽拉满，阳光满溢：

万众瞩目之下，二期「湾藏」新品加推在即，本次推出的建面约114-144㎡健康科技大宅，在延续了国际大师匠心设计、超配满配精装标准及十二大绿金科技系统等核心产品优势之上，更以绝佳的社区占位迭新上线！

光感126㎡｜光感奢域 极艺阔居

建面约126㎡户型，三开间大尺度南向面宽，搭配大尺度窗墙比，尽纳无限光感视野；南向横厅设计，更多空间想象，独享开阔视野，为日常增添更多采光与优越居感；独立玄关、步入式衣帽间方便日常出入和收纳。

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光境144㎡｜光域臻境 进阶升维

相比建面约126㎡户型，建面约144㎡户型在设计上采用大面积方形厨房，为家庭成员之间的互动提供了充足空间；而超大横厅设计的加持使得动区更加宽敞明亮，足以容纳全家人的各种爱好。

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板块信息

江湾久旱逢甘霖 金茂府不仅树标杆，更将焕新土地价值

其实江湾金茂府的“火”是在意料之中的。

一方面在于，这片区域不是一般缺供应，而是高境、淞南、五角场、新江湾苦没供应久矣。

说句题外话，我们直播间涌进过不少高境、淞南的客户，普遍卖了老房子后打新特别纠结，根源就是本地供应太少，而他们又不想远离熟悉的生活圈。

据统计，宝山东部片区上一次供应还要追溯到2015年的泰禾红御和盛世宝邸，几近10年断供，这两盘也是目前区域标杆，前者挂牌近9万/㎡，后者7万+/㎡。

五角场同样如此，近10年断供；而新江湾次新房龄普遍15年+，挂牌价10万+/㎡，总价很高。

另一方面在于，金茂府这一金字招牌号召力太强了。

我和现场客户聊过，有三点他们高度认可：

第一，金茂在全国高端市场的影响力，给项目带来十足的信任度。

拥有“豪宅专家”之称的中国金茂，布局了全国29座城市，享誉业界的金茂府达78座，这样的成绩，论资排辈放在如今的地产座次表中，妥妥的第一阵营。

简单说，金茂的房子不仅多，而且好，高端的物业更是有口皆碑。

第二，金茂府是豪宅界超级IP，也必定是板块封面。

这对于一个供应奇缺的板块，意味绝杀。由于后续难再有新供应，此时若想置业，金茂府这样的绝对标杆就是不二之选，断层领先的品质，让业主居住多年都无需换房，一步到位。

“里子” 与 “面子”兼得，日后与朋友交谈，一句 “我住在金茂府”，客观讲就是身份的象征。

第三，金茂府在上海二手市场跑出独立行情，二手溢价保守有约30%！

大宁金茂府二期挂牌约15.5万/㎡，周边次新整体挂牌约11.5万/㎡，金茂府有约35%溢价；

西郊金茂府二手挂牌约7万/㎡，比周边次新约5.5万/㎡的挂牌高出约30%

你永远可以相信金茂府穿越市场周期的能力及板块塑造力。

江湾金茂府售楼处电话☎：400-8558-224

超级生活底盘，奠定区域中心地位18号线串联，紧密与市中心的联系

地段上，江湾金茂府所在的区域本就是淞南中心，沿街有丰富底商，且一街之隔就是祥腾生活广场和939红街坊等商业，生活氛围无需等待。

而TOD超级生活底盘的加持更为项目带来两大机遇：

一方面，生活底盘规划有酒店、商业、菜场、社区食堂等多元业态。

业主下楼即享精致烟火气。

事实上，淞南地区最缺的就是精致业态，以后潮流商业都集中在江湾金茂府楼下，凭借TOD的优势，周边年轻人可能都会来此逛街、休闲。长此以往，该生活底盘就是淞南中心中的中心，而江湾金茂府就是淞南中心之上的住宅，价值更加稳固。

何况项目规划有酒店，有高端酒店的地方更容易形成区域中心。

从通南路站（在建）出发，1站就是新江湾，3站财大，4站复旦，5站五角场，7站新华医院，10站杨浦滨江，11站陆家嘴滨江...

这条线路云集大量高校、科研单位及科创企业，尤其五角场和杨浦滨江的科创产业正蓬勃向上，18号线的串联，既为业主通勤提供了方便，更为江湾金茂府和淞南提供了源源不断的人才输入，这是未来二手房价值的保障。

尤其浦东的客户，鉴于浦东供应稀缺，江湾金茂府作为难得的TOD项目又有金茂府光环加持，可以重点考虑。

江湾金茂府售楼处电话☎：400-8558-224✔✔✔【预约☎】

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江湾金茂府售楼处电话☎：400-8558-224其中，军工路快速路新建工程预计今年年内完工，意味中环北抬今年将迈出重要一步，而长江西路快速路已被列入2025年上海市重大工程清单，预计即将开工。

届时，项目周边不仅有逸仙路高架衔接中环，还有多条快速路，这对于项目出行、板块发展，都大有裨益。

金茂精准回应了市场期待，填补品质人居空白；而稀缺土地也正需要金茂这样的开发商，树立标杆的同时焕新土地价值、革新生活方式。

江湾金茂府售楼处电话☎：400-8558-224✔✔✔【预约☎】

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售楼处电话☎：400-8558-224【售楼处预约热线】（一对一热情服务）

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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。