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中企誉品银湖湾售楼处电话:400-8878-824中企誉品银湖湾二期热销,89-155㎡高层均价61128元/㎡,售楼处电话400-8878-824。

中企誉品银湖湾售楼处电话:400-8878-824

中企誉品银湖湾营销中心热线400-887-8824(官方预约看房热线)

最新消息:松江新城「中企誉品银湖湾」二期正在热销中!推出建面约89-155㎡高层&叠加!均价约61128元/㎡!

中企誉品银湖湾

中企誉品银湖湾 售楼处电话:400-8878-824

【售楼处预约热线】(一对一热情服务)

看房请务必致电与销售确认时间,仅预约客户可享受开发商内部优惠,专属老带新推荐奖!

中企誉品银湖湾售楼处电话:400-8878-824

中企誉品银湖湾营销中心热线400-887-8824(官方预约看房热线)

示范区实景如下:

中企誉品银湖湾售楼处电话:400-8878-824

中企誉品银湖湾营销中心热线400-887-8824(官方预约看房热线)

中企誉品银湖湾售楼处电话:400-8878-824

中企誉品银湖湾营销中心热线400-887-8824(官方预约看房热线)

中企誉品银湖湾售楼处电话:400-8878-824

中企誉品银湖湾营销中心热线400-887-8824(官方预约看房热线)

PrimelocationinSongjiangNewTown

松江新城C位

Alow-densitylakesideresidentialareawithaplotratioofapproximately1.6to1.8

容积率约1.6-1.8低密滨湖住区

"ZhongqiYupin·Yinhuwan"Secondbatch

「中企誉品·银湖湾」二批次

It'ssellingwellnow.

正在热销中

Launchinghigh-risebuildingswithaconstructionareaofapproximately89-130squaremetersand3to4bedrooms

推出建面约89-130㎡3-4房高层

Theconstructionareaisapproximately145/155squaremeters,stacked

建面约145/155㎡叠加

Thetotalpricestartsatapproximately4.38millionyuan

总价约438万起

ThesalesofficephonenumberofZhongqiYupinYinhuwanis400-8878-824.TheofficialphonenumberofZhongqiYupinYinhuwanis400-8878-824

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

Oneofthefewlow-densitylakesidevillaareasinSongjiangNewTown

松江新城少有的低密滨湖墅区

Thestyleandlifestyleareunique

格调、生活方式独树一帜

Thebenchmarkproductpowercanbeboileddowntotwopaths:oneistoachieveahighertone;

标杆产品力无非就是两条路,一做出更高的调性;

Second,makeadistinction;

二做出差异化;

Theprojecthastakenthesetwoaspectstotheextreme.ItsproductqualityandcommunityatmospherearecompletelydifferentfromotherpropertiesinSongjiangNewTown!

而项目把这两方面发挥到了极致,产品力、社区氛围完全区隔了松江新城其它楼盘!

项目效果图

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

Firstofall,theplotratiooftheprojectisonlyabout1.6!

首先,项目容积率只有约1.6!

Comparedwiththeplotratioofaround2.2ofotherpropertiesinSongjiangNewTown,itismuchdenser.

相比松江新城其它楼盘2.2左右的容积率,要低密得多。

Moreover,fromacity-wideperspective,aplotratioof1.6isalreadyextremelyrare.Inthefirstandsecondbatchesoflandauctionsthisyear,amongthe44plots,only6hadaplotratiolowerthan1.6(inclusive),withthemainstreamplotratiorangingfrom2.0to2.5.Thisindicatesthatprojectswithlowplotratioswillbehardtocomebyinthefuture.

且从全市看,1.6容积率已然非常稀缺,今年一二批次土拍,共44辐地块,容积率低于1.6(含)的仅有6幅,主流容积率为2.0-2.5,说明以后低容积率项目难觅。

Inaddition,researchdataindicatesthatforevery0.1reductioninfloorarearatio,thefollowingadvantageswillbebrought:

另外,有研究数据表明,每降低0.1的容积率,会带来这些优势:

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

Widerbuildingspacing,betterventilationandlighting;

更宽的楼间距,更优越的通风和采光;

Withfewerresidents,thecommunityisquieter,andthepercapitapublicspaceandgreenareaarealsohigher.

住户少,社区更安静,人均公共空间和绿化面积也更高;

Theusablefloorarearatioishigherandtheviewisalsobetter...

得房率更高,景观视野也更好……

Therefore,thelivingexperiencethatcanbeenjoyedwithalowplotratioiscompletelyonadifferentlevelfromthatwithahighplotratio!

所以,低容积率能享受的居住体验感和高容积率完全不是一个层次!

Infact,thevalueoflandwithalowfloorarearatiointhesameareaisinherentlyhigher.

事实上,同地段低容积率土地价值本来就更高。

Forinstance,inXujing,therearetworesidentialplots.Onehasaplotratioof2.0andalinkedpriceof64,000yuanpersquaremeter.

比如,徐泾有两块宅地,一块容积率2.0,联动价6.4万/㎡;

Anotherplotwithaplotratioof1.2hasalinkedpriceof69,500yuanpersquaremeter.

另一块容积率1.2,联动价就达6.95万/㎡。

Thisprojectisoneofthefew1.6plotratioprojectsinSongjiangNewTowninrecentyears,andithasalreadyoutshoneallothersintermsoflandresources.

项目是松江新城近年来少有的1.6容积率项目,在土地天赋上已笑傲群雄。

Secondly,therarelakesidevillaareainSongjiangNewTownhasraisedthelivingstandardstoawholenewlevel!

其次,松江新城稀缺的临湖墅区,把人居档次拔升了一大个台阶!

Inrecentyears,GuangfulinSub-districthasalmostallbeenpurehigh-risecommunities,withserioushomogenization.

广富林街道这些年几乎都是纯高层社区,同质化严重。

ZhongqiYupin·Yinhuwanhasbroughtalong-awaitedvillalivingexperiencetotheupgradingpopulationinSongjiang.Itiscomposedofahigh-risebuildingandfourfloorsstackedtogether.

而中企誉品·银湖湾为松江改善人群带了久违的墅居体验,由高层+4层叠加组成。

Thecorrespondingcircleswillbeonelevelhigherthanpurehigh-levelcommunities.

相应的圈层会比纯高层社区更高一筹;

Atthesametime,villashavehighrequirementsforcommunitylandscapesandfunctions,sotheoverallconstructionstandardsoftheprojectcommunityareworthlookingforwardto!

同时别墅对于社区景观、功能要求较高,所以项目社区整体打造标准值得期待!

Thefinishingtouchisthattheprojectislocatedbythelake!

锦上添花的是项目临湖而居!

Theprojectissurroundedbyawatersystemonthesoutheastside,withabeautifulenvironment.

项目东南侧水系环抱,环境优美;

Thesouthsideisabustlingwaterfrontleisurezonewherearchitectureandnaturecoexistinharmony.

南侧为繁华水岸休闲带,建筑与自然和谐共生。

ThesalesofficephonenumberofZhongqiYupinYinhuwanis400-8878-824.TheofficialphonenumberofZhongqiYupinYinhuwanis400-8878-824

项目效果图

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

Itisworthpraisingthatmanyprojectsactuallyhavewatersystems,buttheylackflexibility.

值得点赞的是,很多项目其实也都有水系,但缺乏灵动。

ZhongqiYupin·Yinhuwanisoneoftheextremelyrareprojectsthathavedevotedgreatefforttoendowingthewatersystemwith"vitalityandvigor",enablingabetterconnectionbetweenwaterandthelivesofthepropertyowners.

中企誉品·银湖湾是极为少有的花心思赋予“水系生命力、活力”的项目,让水和业主的生活能有更好的链接。

Itislearnedthattheprojecthasallocatedmorespacewithinthecommunitytothegardenlandscape,designingacentralaxisofthelandscapeinaccordancewithlocalconditions,andsuperimposingtheadvantagesofthewaterbankssurroundedbywateronbothsides.Thelow-density,sunnyandgreenwaterfrontscenerypresentedisrefreshinganddelightful.

据悉,项目让渡更多社区内空间给到园林景观,因地制宜设计一条景观中轴,叠加双面环水的水岸优势,呈现的低密、阳光、绿色的滨水风光让人心旷神怡。

Thislakesidegiftcorrespondstoalivableandcomfortableslow-pacedlifebythewater!

这种滨湖天赋对应的是宜居、舒适的滨水慢生活!

Especiallyforbusylocalentrepreneursandhigh-income996elites,thiskindof"hidinguponentry"experienceishighlyneeded.Withjustoneclick,theycanswitchfromthebustlingandfast-pacedlifeoutsidetothecomfortableandslow-pacedlifeinside.

特别对于忙碌的本地企业家以及高收入的996精英,太需要这种“入则藏”的体验,一键从外部繁华快生活切换到内部惬意慢生活。

LookingatthenewhousesinSongjiangNewTown,mostofthemarehigh-riseresidences.ZhongqiYupin·Yinhuwanisoneofthefewnewhousesthatstandoutwithitsdistinctivefeatures:"low-density,villaliving,andlakesideliving".Thishigh-endandcomfortablelifestyleisthevaluebarrieroftheproject,whichcanalsoaddpointstothesecond-handhousesandstandoutfromthecrowdofsimilarnewhouses!

纵观松江新城新房,普遍高层住宅连绵,中企誉品·银湖湾是少有的打出差异化的新房,“低密、墅居、湖畔生活”,而这种高格调惬意的生活方式就是项目的价值壁垒,无形中也能为二手房加分,从一众同质化新房中脱颖而出!

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

Notsealingthebalconysavesrealmoney

不封阳台,省下真金白银

Thelayoutishighlyfunctionalandthedecorationissincere

户型功能性强、装修诚意

Notonlydoesthecommunitystandout,buttheproject'sdifferentiatedproductpowerrunsthroughtheentireprocessfromtheoutsidein!

岂止社区出彩,项目差异化的产品力由外而内,贯穿始终!

First,theprojectdoesnotenclosethebalconies!

第一,项目不封阳台!

Nowadays,mostnewhousingprojectsadoptthestrategyofenclosingbalconies.Theentireareaofthebalconyispurchasedbyhomebuyerswithrealmoney.Generallyspeaking,thebuildingareaisabout8squaremeters.Ifthebalconyisnotenclosed,theareaisonlycountedashalf,whichisequivalenttosavingthebuyerapproximately4×6≈240,000yuan.

现在大部分新盘都采取封阳台策略,那整个阳台的面积都是购房者花真金白银买的,一般来讲都是建筑面积约8㎡,如果不封阳台,那面积只算一半,相当于给买家足足省了约4×6≈24万元。

Secondly,thefloorplandesignishighlyfunctional!

其次,户型设计功能性很强!

Theprojectwillinitiallylaunch296units,includinghigh-risebuildingswithaconstructionareaofapproximately89-98-130squaremetersandacombinationofunitswithaconstructionareaofapproximately145-155squaremeters.

项目将首推296套房源,建面约89-98-130㎡高层&建面约145-155㎡叠加。

Thereisawiderangeofchoices,fromfamiliesofthreetothosewiththreegenerationslivingunderoneroofortwochildren,aswellasextendedfamiliesforin-depthimprovement!

选择面很大,从三口之家到三代同堂/二胎家庭,以及大家庭深度改善都能满足!

Intermsofthefloorplan,withaconstructionareaofapproximately89squaremeters,itachievesarare"3bedroomsand1.5bathrooms"layout,ensuringthatsmallfamiliesdonotneedtochangehousesforalongtime.

户型上,建面约89㎡做到了罕见“3房1.5卫”,能保证小家庭很长时间都不用换房。

Atthesametime,threesouth-facingrooms,threebedroomswithbayWindows,adry-wetseparationinthesecondarybathroom,andamasterbedroomsuiteareallstandardfeatures,whicharehighlypractical.

同时三开间朝南、三卧飘窗、次卫干湿分离、主卧套房都是标配,实用性高。

Withaconstructionareaofapproximately98squaremeters,thelayoutof3bedroomsand2bathroomsisverysquare.Thespaceutilizationrateofeachbedroomishigh,andallthreebedroomscanbeconvertedintobedrooms.

建面约98㎡3房2卫格局非常方正,每卧空间利用率高,三房都能做成卧室。

Forthosewithasufficientbudget,youcangeta4-bedroomapartmentwithaconstructionareaofapproximately130squaremetersinonego.Itfeaturesasouth-facingfour-baylayoutwithanextremelywidewidth.Ithasanairplane-likelayoutandiswell-ventilatedfromnorthtosouth.Especiallythelivingroomisspacious,providingenoughspaceforthesecondchildtoplaytogether.

预算充足的小伙伴可以一步到位建面约130㎡4房,南向四开间超大面宽,飞机户型、南北通透,尤其客厅面宽,即使二胎一起玩耍空间也足够了;

Thedesignoftheentrancehallalsoavoidstheembarrassmentofbeing"seenthroughataglance".

玄关设计也避免了“一眼看穿”的尴尬。

I'lljustmentiononepointaboutthetownhouse.Itonlyhastwotownhouses,oneupperandonelower,withatotaloffourfloors.It'smuchmoreprivatethanthemainstreamsix-storytownhousesonthemarket.

叠墅我就提一点,它只有上下两叠,共4层,比市面上主流的6层叠墅私密性好多了。

Moreover,thearearangeiswellcontrolled,ensuringcomfortwithoutmakingthetotalpricetoohigh.

且面积段控制得当,既保证舒适度,又不至于总价太高。

ThesalesofficephonenumberofZhongqiYupinYinhuwanis400-8878-824.TheofficialphonenumberofZhongqiYupinYinhuwanis400-8878-824

户型图如下:

第三,项目高层精装修,均采用一线大牌,诚意满满!

卫生间使用唯宝或同等品牌;龙头/花洒:高仪或同等品牌;厨房三件套:卡萨帝/方太/老板或同等品牌;中央空调:东芝或同等品牌;地暖:威能或同等品牌。

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

SongjiangNewTownindeeddeservesthelinkedpriceof60,000yuanpersquaremeter

松江新城确实配得上6万/㎡的联动价

TheprojectislocatedinthecoreareaofSongjiangNewTown

项目占位松江新城核心地段

Lookingback,haveyoueverwonderedwhythelinkedpriceofSongjiangNewTowncanreach60,000yuanpersquaremeter,rankingfirstamongthefivenewtowns?

回过头来,你有想过为什么松江新城联动价能到6万/㎡,五个新城首屈一指吗?

Ontheonehand,theuniquenessofSongjiangNewTownliesinthefactthatitisanewtowndevelopedwiththejointeffortsoftheentiredistrictandistheabsolute"numberone"inSongjiang!

一方面松江新城特殊之处在于它是举全区之力发展的新城,是松江的绝对“一哥”!

So,unlikeJiading,theresourcesofJiadingNewTownmaynotbecomparabletothoseofNanxiang.

所以不像嘉定,嘉定新城资源未必比得上南翔;

ThelimelightofQingpuNewTownwascompletelyovershadowedbyXujing.

青浦新城风头完全被徐泾盖住。

Thehigh-qualityresourcefacilitiesofSongjiangNewTownarealmostallconcentratedinSongjiangNewTown.

松江新城优质的资源配套几乎都集中在松江新城。

示意图

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

Taketheprojectforexample.Itisonlyabout1.2kilometersawayfromSongjiangImpressionCityinastraightline

就拿项目来说,直线距离松江印象城仅约1.2公里

SongjiangImpressionCity,asthesecondImpressionCityoutsidetheringRoad,isalsothefifthcommercialcomplexthatInforceGrouphaslaidoutafterQibao,Xinzhuang,NanxiangandCaohejing.

松江印象城作为环线外的第二家印象城,也是印力集团继七宝、莘庄、南翔、漕河泾后布局的第五家商业体。

Intermsofperformance,brandandreputation,neithertheentireSongjiangDistrictnortheGreaterSouthwestofShanghai(thefourdistrictsofSongqing,JinfengandJincheng)hasashoppingcenterthatcanbecalledatopone.

在业绩、品牌与口碑方面,无论松江全区,还是上海的大西南(松青金奉四区),都没有可以堪称头部的购物中心。

SongjiangImpressionCity,withanareaofapproximately155,000squaremeters,hasrankedfirstinthecity'spopularityandiscurrentlyrankedfourth,onparwithtopshoppingcenterssuchasJiuguang,TaikooLi,andTaiyanggong.

约15.5万方的松江印象城全市热门度排名,最高排名第一,目前排名第四,与久光、太古里、太阳宫等顶级购物中心并驾齐驱。

(Datasource:ZhihuMallStarPeople

(数据来源:知乎Mall星人)

Ofcourse,theconsumptioncapacityofSongjiangNewTowndidnotdisappointImpressionCityeither.Ontheopeningday,260,000peoplevisitedthesitecollectively,andthescenecouldbedescribedasaseaofpeople.

当然,松江新城的消费能力,也没有让印象城失望,开业首日,26万人集体打卡,现场可以说是万人空巷。

Meanwhile,adjacenttothefirstphaseofImpressionCity,theplotofthesecondphaseofImpression,whichhasalreadybeenputupforsale,isboundtofurtherenhancethecommercialleveloftheareaonceitiscompletedinthefuture.

同时,与印象城一期相邻,已经出让的印象二期地块,未来建成后必然将再次提升区域内的商业能级。

实景图

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

ApartfromImpressionCity,therearealsoanumberofpowerfulcommercialcomplexessuchasWandaPlaza,WulongPlazaandKaiyuanMediterraneanPlazagatheredinthearea,makingthecommercialatmosphereoftheentireSongjiangNewTownextremelyprosperous.Suchacommercialaggregationcapacityisextremelyrareeveninthecitycenter.

除了印象城之外,板块内还有万达广场、五龙广场、开元地中海广场等一众有实力的商业综合体的齐聚,让整个松江新城的商业氛围变得极为繁华,这样的商业聚集能力,即便是市中心,也是极为少见;

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

Realscenepicture

实景图

Intermsofeducation,itcanbesaidthattherearenumerousprestigiousschools.

教育方面:可谓是名校林立。

TheprojectisnotonlyadjacenttothelargestuniversitytowninShanghaiatpresent(includingsevenprestigiousuniversitiessuchasEastChinaUniversityofPoliticalScienceandLaw,DonghuaUniversity,ShanghaiInternationalStudiesUniversity,ShanghaiUniversityofInternationalBusinessandEconomics,ShanghaiUniversityofEngineeringScience,ShanghaiLixinUniversityofAccountingandFinance,andShanghaiInstituteofVisualArts).

项目不仅紧靠着现为止上海规模最大的大学城(包括华东政法大学、东华大学、上海外国语大学、上海对外经贸大学、上海工程技术大学、上海立信会计金融学院、上海视觉艺术学院等七大名校)。

Therearealsomanykindergartensandjuniorhighschoolsatthesametime.

同时还有多所幼儿园和初中。

Whatisevenmoreworthmentioningisthatabout1.5kilometerstotheeastinastraightline,thereistheShanghaiExperimentalSchool(anine-yearprogram),whichwasjustsignedthisyear.Theschoolisexpectedtobeputintousein2025.

更值得一提的是,东侧直线距离约1.5公里处,还有今年刚刚签约的上海实验学校(九年制),该校预计2025年可投入使用。

(ThedataissourcedfromtheofficialwechatpublicaccountofShanghaiIndustrialEducationGroup.

(数据来源于上实教育集团官方微信公众号)

示意图

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

Medicalresources:NotfarfromtheprojectisShanghaiFirstPeople'sHospital(SouthCampus),aGrade-Atertiaryhospital.

医疗资源:项目不远处就是上海市第一人民医院(南院),是三甲医院。

Intermsofecology:Totheeastoftheproject,therearetheGuangfulinRuinsPark(4A-level,with4,000yearsofculturalaccumulation,theoriginofShanghai'sculturalheritage),theGuangfulinSuburbanPark(free,oneofthesixmajorsuburbanparksinShanghai),andtheChenshanBotanicalGarden(4A-level,coveringanareaof2.07millionsquaremeters,thelargestbotanicalgardeninEastChina).

生态方面:项目东侧有广富林遗址公园(4A级,4000年文化积淀,上海文脉起源)、广富林郊野公园(免费,上海六大郊野公园之一)、辰山植物园(4A级,占地207万平方米,为华东地区最大的植物园)。

TothenorthliestheSheshanNationalForestPark(4A-level,thepeakofShanghai,andoneofthetop10wealthydistrictsinChina).Thisparknotonlygatherstheextremelyhigh-qualityecologicalresourcesofSongjiangbuthasalsobeenawardedthetopspotamongthesuburbsinthe"ComprehensiveEvaluationofShanghai'sUrbanAppearanceandEnvironmentalSanitationQuality"for15consecutiveyears!

北侧有佘山国家森林公园(4A级,沪上之巅,中国10大富人区之一),这里不仅汇聚了松江极其优质的生态资源,更是连续15年荣获“上海市市容环境卫生质量综合考评”郊区第一!

(Datasource:ShanghaiSongjiangOfficialAccount,releasedinJune2021)

(数据来源:上海松江公众号2021年6月发布)

Realscenepicture

实景图

ZhongqiYupin·Yinhuwanoffersalivingexperienceof"takinginallthehustleandbustleoutsideandenjoyingthetranquilityaloneinside",whichisextremelyrareamongthefivenewtowns.

中企誉品·银湖湾拥有“出则繁华尽揽,入则静谧独享”的居住体验,这在五个新城中非常臻稀。

Ontheotherhand,SongjiangNewTownhassignificantadvantagesintermsofthetotalpopulation,collegestudents,industriesandotherdecisivevariablesthatdrivethedevelopmentofthearea!

另一方面,松江新城不管在总人口、大学生、产业等推动板块发展的决定性变量上都很有优势!

First:Populationbase.

第一:人口基数。

In2021,thepermanentresidentpopulationofSongjiangNewTownhadapproached900,000,basicallymeetingthestandardsofalargecityofTypeIIandbeingtheleaderamongthefivenewtowns.

松江新城2021年常住人口已经接近90万人,已基本达到了II型大型城市的标准,是五个新城的领跑者。

Atthesametime,theplannedpopulationis1.1million,whichisalsolargeramongthefivenewtowns.

同时规划人口110万,同样也是五个新城中更多的。

Source:Shanghai2035MasterPlan

来源:上海2035总体规划

Thedevelopmentofadistrict,includingthehealthyandsustainableoperationoftherealestatesector,ultimatelydependsonthepopulation.ItisobviousthatthefoundationofSongjiangNewTownismoresolid.

板块发展,包括房地产健康持续运营,归根到底看人口,很明显松江新城的基底更厚实。

Second:Populationlaysthefoundationanddeterminesthelowerlimit,whilethenumberoftalentsdeterminestheupperlimit.

第二:人口筑基决定下限,人才数量决定上限。

Thepopulationsizeisindeedthefoundationofthevalueoftheregionalrealestatemarket,buttheeducationallevelofthesepeoplewillactuallyaffectthelivingatmosphereofthearea,whichdeterminestheupperlimitofthedistrict.

人口数量确实是区域楼市价值的地基,但这些人口的受教育水平,却会实实在在的影响区域居的氛围,这一点决定了板块的上限。

Songjiangboastsauniversitytownwithalargenumberofhigh-qualitygraduates,whichisanadvantagethattheothernewtownscannotmatch.

而松江拥有大学城,海量的优质毕业生,这是其它几个新城无法比拟的优势。

ThesalesofficephonenumberofZhongqiYupinYinhuwanis400-8878-824.TheofficialphonenumberofZhongqiYupinYinhuwanis400-8878-824

示意图

ThesalesofficephonenumberofZhongqiYupinYinhuwaninSongjiang,Shanghaiis:400-8878-824...

Nowadays,withtheincreasinglyrelaxedhouseholdregistrationpolicies,thisadvantagehasbeenfurthermagnified.

如今落户政策日渐放宽,这一优势又被进一步放大。

AccordingtoSongjiang'srelease,thenumberofrecentmaster'sgraduateswhohavesettleddowninSongjiangDistrictaccountsforapproximately42%ofthetotalnumberinthe"FiveNewTowns".

根据松江发布:松江全区应届硕士毕业生落户人数占“五个新城”总量的约42%。

Itisevidentthattheadvantageofhighereducationisindeedverypowerful,andthisisasustainableone.Everyyear,itsuppliesSongjiangwithaconsiderablenumberofhigh-qualitytalents.ThetalentproductioncapacityofSongjiangNewTownfarexceedsthatoftheothernewtowns.

可见高教优势确实威力很大,而这又是一种可持续的,每一年都会为松江输送可观的优质人才,松江新城的人才造血功能远胜其它几个新城。

Third,industry.

第三,产业。

Cutting-edgeindustrieswillbringinhigh-incomegroups.

前沿产业,会带来高收入人群;

AndforthisgroupofwealthyandrefinedpeopleworkinginSongjiangNewTown,theirambitiontosettledownmustbeinabetterareaandnewer,betterhousesinSongjiangNewTown.

而这群工作在松江新城的有钱人&有品人,居住的雄心壮志,肯定是松江新城更好的片区和更新更好的房子。

Comparedwithothernewtowns,SongjiangNewTown'sindustrialadvantageliesinitsgraspofthepulseofTheTimes-scienceandtechnologyinnovation.

松江新城相比其它新城,产业优势在于把握了时代脉搏——科创。

TheG60ScienceandTechnologyInnovationCorridorisSongjiang'scallingcard,gatheringnearly50Fortune500companies,approximately64listedcompanies,andaround500+foreign-fundedenterprises.Itcontributesabout90%ofSongjiang'sindustrialoutputvalueandaccountsfornearly10%ofShanghai'sindustrialoutputvalue(Source:Songjiang,Shanghai).

G60科创走廊是松江的名片,集聚了近50家世界500强、约64家上市公司、约500+家外资企业,贡献了松江约90%的工业产值,占上海工业产值近10%(来源上海松江)。

ThesalesofficephonenumberofZhongqiYupinYinhuwanis400-8878-824.TheofficialphonenumberofZhongqiYupinYinhuwanis400-8878-824

项目区位示意图

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商贷转公积金贷款——是“省钱利器”还是“鸡肋操作”?在房贷市场中,商业贷款转公积金贷款(简称“商转公”)一直是购房者热议的话题。一方面,公积金贷款以其较低的利率、较长的贷款期限和相对稳定的还款方式,吸引着众多购房者;另一方面,商转公的过程复杂、条件苛刻,让不少购房者望而却步。那么,商贷转公积金贷款到底有没有必要?本文将从商转公的利弊分析、条件要求、办理流程、实际案例等多个维度,为您揭开商转公的神秘面纱,助您做出明智的决策。

一、商贷转公积金贷款的五大核心优势

1. 利率显著降低,利息支出大幅减少

公积金贷款的利率通常远低于商业贷款。以2025年为例,首套住房公积金贷款利率为5年以下(含5年)2.35%,5年以上2.85%,而商业贷款的利率则普遍在4%以上。以50万元贷款、30年期限为例,转为公积金贷款后,一年能节省利息约6750元,30年累计节省利息可达20万元以上。这对于长期背负房贷的购房者来说,无疑是一笔可观的节省。

2. 还款压力减轻,财务规划更灵活

由于公积金贷款利率较低,每月还款额也会相应减少。这意味着购房者可以将更多的资金用于日常生活、子女教育、投资理财等其他方面,提高生活质量。同时,公积金贷款的还款期限通常较长,最长可达30年,让购房者可以更轻松地分期偿还贷款,减轻还款压力。

3. 提前还贷无违约金,资金运用更自由

公积金贷款在提前还贷时通常不收取违约金,而商业贷款则可能根据合同约定收取高额的违约金。这对于计划提前还清贷款或部分还款的购房者来说,是一个重要的优势。他们可以根据自己的财务状况,灵活安排还款计划,无需担心额外的费用支出。

4. 贷款期限选择更灵活,适应不同需求

商转公后,购房者可以重新选择贷款期限。如果经济实力较强,可以选择较短的贷款期限,减少利息支出;如果希望减轻每月还款压力,可以选择较长的贷款期限。这种灵活性让购房者能够更好地适应自己的财务状况和还款能力。

5. 信用评级提升,未来融资更便利

公积金贷款是由政府主导的贷款,相对于商业贷款来说,信用评级更高。将商业贷款转为公积金贷款后,购房者的信用记录会得到改善,有助于提高未来的信用评级。这对于那些希望在未来进行其他贷款或信用卡申请的人来说,是一个重要的加分项。

二、商贷转公积金贷款的六大潜在劣势

1. 贷款额度受限,可能无法满足需求

公积金贷款的贷款额度通常受到一定的限制,可能无法满足较高价值的房屋购买或房屋贷款转换的需求。例如,某些地区规定单职工家庭最高贷款额度为60万元,双职工家庭最高贷款额度为80万元。如果购房者的房屋总价较高或剩余贷款本金较大,可能无法全部转为公积金贷款。

2. 贷款条件严格,审核流程复杂

公积金贷款通常要求借款人具备一定的缴存时间和缴存金额要求,申请条件相对较为严格。例如,借款人需连续足额缴存住房公积金达6个月(含)以上,且个人征信记录良好。此外,商转公的过程涉及原贷款银行、住房公积金管理中心等多个部门,审批流程较为复杂,处理时间也较长。

3. 提前结清原商贷,资金压力增大

在办理商转公的过程中,购房者需要自筹资金结清原商业贷款剩余本金及利息。这对于资金紧张的购房者来说,可能是一个不小的负担。如果无法一次性结清原商贷,可能需要通过担保公司垫资等方式解决,这又会增加额外的费用支出。

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