2025上海昌平云岸售楼处电话-(昌平云岸售楼处)2025楼盘详情-昌平云岸最新房价-首页网站-户型配套
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昌平云岸售楼处电话：400-8558-224✔✔│昌平云岸官方售楼处地址发布：上海静安昌平云岸官方售楼处电话400-855-8224
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昌平云岸的外立面已经基本成型，实景示范区预计7月19日开放！架空层（局部）、地下车库（局部）、电梯厅、以及全新样板房都将公开展示！
比起市面上大多数期房项目，实景呈现的高品质更具冲击力，也让人买得更放心。
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
昌平云岸是上海静安区江宁路板块的高端住宅项目，由国企上海新静安集团开发，定位为老静安核心地段的稀缺豪宅。以下是综合最新信息的核心要点：
🌆 一、区位与地段价值
黄金位置
位于静安区昌平路99弄（淮安里），紧邻苏州河第一界面，距南京西路商圈仅约1公里，属内环内CAZ中央活力区核心。周边坐拥 “一江一河”规划红利，东侧毗邻东斯文里历史风貌更新区（规模预计达新天地2-3倍），未来城市价值潜力显著。
交通便捷性
五轨交汇：步行至1/12/13号线汉中路站约500米，7号线昌平路站约1公里；自驾可通过延安高架、南北高架快速通达全城。
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️ 二、项目规划与产品详情
基础参数
体量：占地1.7万㎡，住宅建面7.1万㎡，容积率4.52，共5栋住宅（4栋8-17层小高层+1栋32层高层），总计481户。
交付标准：精装修，层高3-3.15米，得房率76%-81%，物业为古北物业（国企背景），物业费12元/㎡/月。
进度：2022年8月开工，2025年6月已结构封顶，实景示范区将于2025年7月19日开放，2026年底交房。
在售房源
户型：主力为建面约176-274㎡大四房（部分户型带270°转角阳台），另含87-326㎡的一房至六房产品。
价格：整盘均价14.5万/㎡（一房一价），四房总价约2516万-4700万；小户型单价可低至9万+/㎡，高区景观房达19万+/㎡
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️ 三、核心配套资源
商业与生态
商业体：1.5公里内覆盖恒隆广场、中信泰富等顶奢商场；西北侧在建约8万㎡ MOHO合生汇（含购物、办公、娱乐）。
生态：东临苏州河休闲带，毗邻蝴蝶湾公园、静安雕塑公园，绿化率35%。
教育与医疗
教育：周边有静安区教育学院附属学校（九年一贯制）、静安实验小学、五四中学等（注：新房不承诺学区）。
医疗：上海市儿童医院、长征医院、静安区中心医院等三甲资源环伺。
四、产品亮点与争议
核心优势
稀缺性：老静安多年断供后的新房，对标同板块二手次新房（如嘉天汇挂牌22万/㎡），价格倒挂明显。
品质升级：公区投入较高，采用双大堂设计（含地下光感归家厅）、准一梯一户、全落地窗；部分户型配置嘉格纳厨电、诺尔德橱柜等国际品牌。
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💎 五、市场定位与购买建议
客群定位：总价2500万-3500万预算、追求内环核心地段+四房功能的改善型客户；对比徐汇滨江（4房门槛4000万+）、黄浦等竞品性价比突出。
入手时机：新政后关注度攀升，目前剩余房源有限，建议优先考察7月19日开放的实景示范区及高区景观房源
倒映在苏州河波光粼粼的水面上，项目挺拔的立面摇曳生辉，未来业主享受24小时窗外一线苏河景，下楼即可拥抱国际滨水生活！
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
上海静安昌平云岸官方售楼处电话☎：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。
如果把镜头拉近，你会看到项目的立面设计删繁就简，玻璃与铝板外立面简洁干练而不失典雅，用简洁明了的线条勾勒出整体的效果，从而减少外立面对于室内空间的的阻碍和遮挡，整体看起来简约大气，同时提升业主居住的舒适感。
未来屹立苏州河畔，俨然又是一道靓丽的城市风景线！
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上海静安昌平云岸官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
地段：2千万级预算入主老静安天赐良机，纵享醇熟配套与世纪规划红利！
当下上海新房市场有公认的四大顶级豪宅区：老静安、黄浦、陆家嘴和徐汇滨江。
后三者4房的价格已经全线总价4千万起步。
对于2千万级预算买家来说，昌平云岸俨然是进阶城心豪宅板块4房，硕果仅存的机会！
价格信息来自网上房地产，位置信息来自百度地图
更重要的是，比起其他3个板块，老静安一直是上海人心目中的“白富美”，其配套的丰盛程度独具一档！
而且昌平云岸占位的可是老静安核心地段，距离南京西路直线仅约1公里。
住在这样的地方，不仅能享受时尚潮流的繁华商业，还能感受静安百年底蕴的风华！
通勤方面，项目周边有1、7、12、13号线四条轨交步行可达，几乎畅通全市所有重要城市节点。
项目步行范围内几乎涵盖了静安所有的商业标杆，包括恒隆广场、中信泰富、梅龙镇所形成的“金三角”，久百城市广场、越洋广场芮欧百货、会德丰国际广场、静安嘉里中心、1788国际中心为代表的“金五星”以及“巨无霸”购物中心兴业太古汇。
位置信息来自百度地图
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
项目周边还有大量优秀历史保护建筑，包括名人故居、百乐门舞厅、医院、学校、教堂等。居于这样的人文氛围，每日得以熏陶，名门气质、非凡格调自然得以养成。
位置信息来自百度地图
重点我们聊聊教育。
静安静教院的学区是无数宝爸宝妈竞相追逐的名校。
据链家网最新成交价显示，对口静教院的海防村在今年的成交单价超过19万/㎡，这就是优质教育的吸引力！
据最新消息！
昌平云岸所处片区有3所公办小区，1所静安实验小学（昌化路校区）拆除中，1所静教院附校江宁校区，1所静安实验小学（安远路校区）。按2025年学区划分，片区内二手房基本都是2选1。
重点是，静安实验小学划分到静教院集团旗下，集团化之后静安实验小区的师资力量就由静教院直接输出，教学理念，教育方向和静教院要保持一致。给整个片区的教育资源带来了一次大升级。
也就是说，未来整个片区住宅无论怎么2选1，都能享受城市顶尖的教育资源！
免责声明： 以上教育资源整理仅代表楼盘与学校的距离，该房屋所在项目暂未划分学区，开发商不对项目交房后所属学区、学校做任何承诺。教育资源分配或学校/学区划分以及学校的具体招生规则等请以政府相关主管部门、教育机构公开的最新信息为准。
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
上海静安昌平云岸官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
除了高浓度的城市资源，项目还占据了一线苏河景观这样的稀缺生态资源。
据悉，昌平云岸门牌号正是西苏州路1号，毗邻苏州河绝美的蝴蝶湾，号称苏河第一城市界面。绝美的滨河风光就在窗外，休闲的滨水步道就在脚下，简直是天生的城市主角！
项目窗外景观实景图：（拍摄于项目楼栋内部）
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
上海静安昌平云岸官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
当下显然并非昌平云岸地段价值的顶点。
要知道项目与东斯文里世纪规划仅一路之隔！上海发布对东斯文里的规划概况下来12个字：现存规模最完整，超过新天地！
截图来自上海发布微信公众号
商业方面，东斯文里吸取新天地、张园经验，将打造媲美新天地的时尚街区！未来昌平云岸的业主未来下楼即享淮海路般的海派时尚生活。
东斯文里规划设计示意图
生态方面，东斯文里被苏州河贯穿，融入大量生态休闲元素，宜居属性指数级提升！未来昌平云岸的业主下楼即享国际水岸休闲生活！
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东斯文里规划设计示意图
产业方面，东斯文里将打造滨水高端金融枢纽地，接棒陆家嘴、外滩金融城，成为下一个金融高地，未来昌平云岸的业主将享受媲美陆家嘴的金融产业利好！
东斯文里规划设计示意图昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
上海静安昌平云岸官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
产品：国企不惜成本的扛鼎之作，老静安新一代品质封面！
昌平云岸的背后是新静安集团，作为区属国企性质的城市建设者，参与并见证了30多年来静安区城市面貌焕新的全程，无论是集团实力还是开发经验，新静安集团都值得信赖！
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
更重要的是，新静安集团从来没有把昌平云岸当成一个只追求盈利的住宅项目，而是要打造新一代老静安品质封面之作，重新定义城心的潮流生活！
首先是恢弘大气的门头，项目以浮岛为灵感，将几根立柱化作悬浮的雕塑，撑起一片轻盈的仪式感。门头顶部的镂空透光铝板雕花精致唯美，当阳光倾泻，光与影在镂空间起舞，在地面织就一幅不断变幻的自然画作。
驱车进入小区，你会看到昌平云岸不惜重金打造的一个五星级的地下车库。
在昌平云岸，归家的尊崇始于车轮触地的第一刻，这里的地下空间早已超越功能本身，化作一场精心编排的感官仪式。当座驾滑入由石材铺就的坡道，星空穹顶便以流动的光晕温柔相迎，香槟金色的艺术线条在视线尽头舒展，如同为每位归家业主铺就的隐形红毯。
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
上海静安昌平云岸官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
项目一楼设计星级入户大堂，挑高穹顶之下，天然石材与金属线条交织出当代艺术馆般的恢弘气度。这里不仅是归家的第一重仪仗，更是名流圈层的社交艺术厅，精致的皮革沙发休憩区，也能成为您会客洽谈的隐贵主场。
为了满足不同年龄段业主的需求，项目设有泛会所，涵盖健身、阅读、娱乐等功能，极大的丰富了业主的日常情趣！
泛会所效果示意图（过程稿）
泛会所效果示意图（过程稿）
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
上海静安昌平云岸官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
最后来看户型。
相比城心其他项目，昌平云岸对豪宅居住习惯的理解是更透彻的！
市面上不少新盘项目都是共用电梯前室，业主隐私或多或少受干扰。而昌平云岸是准1梯1户的梯户比配置，业主能拥有相对独立的前室，梯门一开，家的温暖迎面而来，家的玄关尺度，延伸至电梯厅。不仅出入更具尊贵感、仪式感，也方便收纳、种植花草、存放出入工具等。
论实际使用率，项目户型竞争力高于市面同面积产品，得房率能达到约78%，将来步入二手房市场一定更受下家青睐。
相比市面上同级别豪宅，项目的户型布局更加方正大气，而且各个户型都有闪光点，为不同需求业主高定个性化生活。我们具体来看主力在售户型分析：
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
建面约176㎡4房2厅2卫：
格局上非常正气，是市面更受欢迎的飞机户型，南北通透+三开间朝南，保证了充足采光和优秀的通风效果。豪华套房主卧则保证了业主超高的居住舒适度。
入户设置玄关，玄关处配置收纳空间，不仅提升了居者入户的仪式感与尊崇感，也让进出大门随手的物品有了大容量的储藏空间。
另外，南向的次卧也有了独立的衣帽间，舒适度明显更进一步！
建面约183㎡4房2厅2卫：
几乎所有参观过这个户型的女主人都会惊呼：这就是我的梦中主卧啊！
因为该户型主卧南向开间阔绰，这样的设计为项目的主卧带来了2大独特优势，对舒适度的提升是指数级的！
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
上海静安昌平云岸官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
第一、双衣帽间的设计：凭借超大南向开间，项目可以做出双衣帽间的设计，对于衣服包包众多的女主人来说简直有致命的吸引力！
第二、奢侈的南向主卫：基本上市面上绝大多数豪宅的主卫都是北面，而项目却给出了南向的主卫，让男女主人早晨伴着明媚阳光梳洗，好不惬意。
建面约194㎡4房2厅3卫：
该户型的亮点是双套房的配置。
而且你仔细看，2个套房分列客厅左右，并且配置极为相似。这样两代人不仅保持了各自独立性和私密性，在舒适度上也接近。摒弃长久以来被默许的牺牲与奉献，这种“家庭平权”式传世大宅才是市场上新的爆款！
作为顶豪级别的住宅，昌平云岸对于室内装修的打造是不惜成本的，选用的都是全球一线品
昌平云岸售楼处电话☎：400-8558-224✔✔✔【预约☎】
牌序列，包括
大金中央空调VRV-S系列、
美国霍尼韦尔新风系统。
厨电方面，项目
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橱柜则选用
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在奢华的背后，项目对于业主的精致生活也有细致考究。比如每户厨房和主卧卫生套间均设大金空调出风口，夏天下厨不会感觉炎热，卫生间四季恒温。
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另外还有，
项目所有墙面都使用
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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。
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