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中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

A better way to predict the future is to create it.

“预测未来的更好方法，就是创造未来。”

"Creation" is a more proactive term, emphasizing the developer's ability to proactively draw up blueprints.

“创造”是一个偏主动性的词语，强调的是开发商主动构筑蓝图的能力。

In the Taopu Smart City area, Zhonghuan Group has taken its initiative to the extreme. The Zhonghuan Taoyuanli it has developed has become a demonstration low-carbon project integrating near-zero energy consumption standards (10 residential buildings), intelligent manufacturing (1 residential building), and photovoltaic storage direct flexible (1 commercial building).

那在桃浦智创城板块，中环集团把主观能动性发挥到了极致，其打造的中环桃源里成为融近零能耗标准 (10栋住宅) 、智能制造(1栋住宅)、光储直柔 (1栋商业) 为一体的示范低碳项目。

Simply put, your house is "spring-like all year round, with fresh air and noise isolation..."

简单来说，你的房子“四季如春、焕新空气、隔绝噪音...

And it will greatly save energy costs and contribute to carbon neutrality.

并大大节省能源费，助力碳中和”。

Sales office phone number of Zhonghuan Taoyuanli: 400-9939-964. Official phone number of Zhonghuan Taoyuanli: 400-9939-964

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Combined with the project's far superior decoration standards compared to its peers, Zhonghuan Taoyuanli aims not only to create a modern work with avant-garde appearance and superior quality, but also to raise the future living standards of Putuo through advanced and trendy living concepts, and to set a new living model for Shanghai.

再结合项目远超同级的装标，中环桃源里所要打造的不仅是一个颜值前卫、品质超配的摩登之作，更是通过先进潮流的生活理念，拔升了普陀未来人居标准，也为上海打造了新的人居样板。

This is a work that can be said to surpass its location in terms of quality and lead The Times!

这是一个足以称得上品质超越地段，引领时代的作品！

A small number of properties in the third phase of Zhonghuan Taoyuanli, located beside Zhonghuan in Putuo, are now on sale with great enthusiasm!

普陀中环旁，中环桃源里三期少量房源火热在售中！

We are launching a total of 128 three-bedroom units with a construction area of approximately 106-126 square meters!

推出建面约106-126㎡三房，共计128套！

It is worth mentioning

值得一提：

The project currently offers a rare selection of all-age unit types for sale in the entire city!

1、项目目前在售的有全市少有的全龄段户型！

There are three direct benefits.

有三大直接好处。

First of all, the project starts with a construction area of approximately 83 square meters and has a total of 148 units. The minimum cost for getting on board is less than 6 million yuan.

首先，项目建面约83㎡起步，且足足有148套，最低不到600万就能上车。

What does it mean?

什么概念？

Nowadays, most projects within the outer ring Road of Shanghai start with three-bedroom units of 99 square meters, and there are hardly any two-bedroom units of 80 square meters.

现在上海外环内大部分项目面积都是99㎡3房起步，几乎没有80㎡段的2房。

This has led to a relatively high starting threshold within the Outer Ring Road. Except for Baoshan, it is almost all at the 10 million yuan level.

这就造成了外环内起步门槛不低，除开宝山几乎都要1000万级。

Especially for some home buyers with simple family structures, either they are restricted by the threshold of tens of millions and cannot afford to buy a car, or they have no choice but to choose a three-bedroom one when a two-bedroom apartment would have been sufficient, which indirectly increases the cost of home purchase.

特别对于有些家庭结构简单的购房者，要么受制于千万级门槛上不了车，要么本来2房足矣，却只能无奈选三房，变相拉高置业成本。

The 2-bedroom apartment in Zhonghuan Taoyuanli, with a construction area of approximately 83 square meters, is a product that has been like a timely rain after a long drought. It offers a more suitable product in terms of functionality and a more reasonable price threshold for single couples, young couples, elderly couples, and other families with simple member structures!

中环桃源里建面约83㎡2房，可谓久旱逢甘霖的产品，给单身/小两口/老夫妻以及其它成员结构简单的家庭提供了功能更合适、价格门槛更适宜的产品！

Compared with the past when it cost 8 to 10 million to purchase a property near the Middle Ring Road, now you can buy a property in the Middle Ring Road of Putuo for as little as 6 million. The price is explosive and the opportunity is extremely rare!

相比原本800-1000万才能买到中环旁，如今600万级就能置业普陀中环，价格劲爆、机会臻稀！

With the new policy of lowering the down payment and interest rates this time, it will be relatively easy to get on the Central Road this time.

再配合这次新政降首付、降利率，这次上车中环比较轻松。

Sales office phone number of Zhonghuan Taoyuanli: 400-9939-964. Official phone number of Zhonghuan Taoyuanli: 400-9939-964

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Secondly, unlike most projects that only have one large and one small area, this project offers a wide range of floor plans to choose from, and the chances of getting one are also greater.

其次，与大部分项目只有一大一小两个面积不同，项目户型选择面丰富，选到机会也更大。

In addition to a construction area of approximately 83 square meters, the project also offers 3-bedroom units with a construction area of about 106 square meters, with a total price of 8 million yuan, making it suitable for a family of three to purchase.

除建面约83㎡，项目还有建面约106㎡3房，总价800万级，适合三口之家上车。

A large three-bedroom apartment with a construction area of approximately 126 square meters is a hot commodity in the urban area. The area of each functional room is PLUS, which is a true improvement. The total price is around 11 million yuan, less than the price of a 100-square-meter small three-bedroom apartment in the inner ring road.

建面约126㎡大三房是市区紧俏货，各功能间面积PLUS，是真正的改善，总价1100万上下，不到内环一套百平米小三房的价格；

There are also final converted units with a construction area of approximately 175 to 178 square meters, featuring 4 bedrooms and 3 bathrooms, with a total price of around 16 million yuan.

还有建面约175-178㎡4房3卫终改户型，总价1600万上下。

The price of a 130-square-meter 4-bedroom compact unit in the inner ring can be fully achieved in one step in Taoyuanli, Central Ring. Not only does each functional room change from compact to comfortable, but it also has an additional bathroom, making life more relaxed for families with two children or multiple generations living together.

内环一套130㎡4房紧凑户型的价格，在中环桃源里可彻底一步到位，不仅每个功能间从紧凑→舒适，还多一个卫生间，二胎家庭/多代同堂家庭生活更从容。

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Thirdly, this additional launch of the project has released all the inventory. So whether you are a buyer of a 6 million yuan apartment in Central or looking for other high cost-performance units, this is your only chance. Once missed, it won't happen again!

第三，项目本次加推把所有货量都拿出来了，那不管你是600万级上车中环，还是想买其它高性价比户型，机会就这一次了，错过不再！

2. The project boasts more outstanding quality in its class and is even on par with 20-million-yuan luxury residences!

2、项目具备同级更出彩的品质，甚至相比2000万级豪宅也不遑多让！

High-end residences are all competing in terms of quality. However, Zhonghuan Taoyuanli stands out among its peers in terms of exterior facade, interior decoration, floor height, and near-zero energy consumption standard buildings. Its texture even rivals that of 20-million-yuan luxury homes in the city center.

高端住宅都在卷品质，而中环桃源里从外立面到精装、层高、近零能耗标准建筑等，都堪称同级翘楚，质感甚至媲美市中心2000万级豪宅。

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

01.

01.

The cost of purchasing a property near Central is about to reach tens of millions

中环旁置业成本即将千万级

The project offers a once-missed opportunity to get on board at the 6 or 8 million yuan level

项目给予错过不再的600、800万级上车机遇

There is one point I would like to emphasize again: The cost of purchasing property near Central will reach tens of millions across the board!

有一个观点我想再次强调：中环旁置业成本将全面迈上千万级！

The unit prices in the "8" series around Central will become increasingly rare, with a total price of 8 million yuan. Not to mention that in Taoyuanli, Central, you can get a car for 6 million yuan this time.

那中环旁“8”字头单价，800万级总价将愈发臻稀，何况中环桃源里这次600万级就能上车。

Let me analyze it for everyone:

我给大家分析一下：

First of all, at present, the inner ring basically starts at 120,000 yuan per square meter, that is, the 12 million yuan level.

首先，当下内环基本12万/㎡起步，即1200万级；

Whether it's Changfeng or Daning in the inner middle Ring area, the average price is around 105,000 yuan per square meter, which is in the tens of millions level. Not to mention that areas like Qiantan and Xubin have already exceeded 130,000 yuan per square meter.

内中环不管是长风还是大宁，普遍约10.5万/㎡，即千万级，更别说像前滩、徐滨已13万/㎡+。

Secondly, look at the inner and outer ring roads: The sales office phone number of Zhonghuan Taoyuanli is 400-9939-964, and the official phone number of Zhonghuan Taoyuanli is 400-9939-964

其次，看中外环：中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

The linked price of Yangpu Changhai ranges from 99,000 to 107,000 yuan per square meter, with a starting price of tens of millions.

杨浦长海联动价9.9-10.7万/㎡，起步千万级；

The linked price of Putuo Changzheng is 102,000 yuan per square meter, which is also in the tens of millions level.

普陀长征联动价10.2万/㎡，也要千万级；

The linked price in the western suburbs of Changning District has reached 118,000 yuan per square meter, with an estimated starting price of nearly 12 million yuan.

长宁西郊联动价更达11.8万/㎡，起步预计近1200万级；

The average price of Minhang Tian 'an No.1 is 92,000 yuan per square meter. It mainly offers improved floor plans, with a starting price of nearly 11 million yuan.

闵行天安1号均价9.2万/㎡，以改善户型为主，起步近1100万级；

In addition, the linked price of Sanlin Binjiang in Pudong is 105,000 yuan per square meter.

另外，浦东三林滨江联动价10.5万/㎡；

The new residential land in Changqiao, Xuhui District, may be close to 110,000 yuan per square meter. With a budget of 8 million yuan, it's hard to even reach the threshold.

徐汇长桥新宅地或近11万/㎡，800万级预算连门槛都很难摸到。

It can be said that the main total price of the middle and outer ring roads is about to fully reach the 10 million yuan level.

可以说，中外环主力总价即将全面迈上1000万级。

In contrast, Taoyuanli in Central is one of the few $8 million options near Central!

相比之下，中环桃源里就是中环旁为数不多的800万级选择！

This time, it has even set the threshold price at the 6 million yuan level, giving more home buyers the opportunity to enter Putuo Middle Ring!

而这一次它更是把门槛价放到了600万级，让更多购房者有机会上车普陀中环！

Such opportunities may not come later. Don't miss them!

这样的机遇未必后有来者，机不可失！

Sales office phone number of Zhonghuan Taoyuanli: 400-9939-964. Official phone number of Zhonghuan Taoyuanli: 400-9939-964

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Moreover, the current policies have also intensified the urgency of purchasing property near Central.

另外，当下政策也加剧了置业中环旁的紧迫性。

Last year, the land auction will lift the land price cap, and the subsequent real estate linkage price will not be announced either!

去年土拍将取消土地限价，后续房地联动价也不在公布！

The purpose of the cancellation of land price caps is obvious: to bring land prices more back to the free market. The premium rate of high-quality plots is bound to increase.

土地限价取消的目的很明显就是让地价更多的回归自由市场，优质地块的溢价率是一定会提升的。

To ensure sufficient profit margins, the final prices of residential properties are likely to lean towards the free market as well.

而为了保证足够的利润空间，最终住宅的价格很可能也会偏向自由市场。

(The views are for reference only. The final announcement on the official website shall prevail.)

（观点仅供参考，以官网最终公示为准）

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

02.

02.

High quality leading in all dimensions among its peers

同级全维度领先的高品质

Lead the living experience in Putuo

引领普陀人居体验

At a starting price of 6 million yuan, Zhonghuan Taoyuanli offers home buyers a modern project with avant-garde appearance and top-notch quality, leading the living experience in Putuo in many aspects.

在600万级起的价格下，中环桃源里更为购房者带来了一座颜值前卫、品质超配的摩登作品，在很多方面都引领了普陀人居体验。

A facade with a higher level of recognition at the same level

✔同级认可度更高的立面

The exterior facade of the project adopts a combination of three-pane two-cavity double LOW-E systematic exterior Windows and exquisite aluminum plate details, integrating the material beauty of metal decoration and glass mirror surface.

项目外立面采用三玻两腔双LOW-E系统化外窗与精致的铝板细节相结合，融合金属装饰与玻璃镜面的材质美感。

From a distance, it looks like an urban cloud box suspended in the sky. It is not only a renewal of the living interface in Putuo, but also a perfect transition of the feeling of returning home.

远远望去就像悬浮在天空的都市云盒，不止是普陀人居界面的焕新，更是归家心绪的完美转场。

The exterior facade of the project section has been presented, and its high fulfillment capacity has been highly praised by buyers. The sales office phone number of Zhonghuan Taoyuanli is 400-9939-964. The official phone number of Zhonghuan Taoyuanli is 400-9939-964

项目部分外立面已呈现，高兑现力被买家纷纷点赞：中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Real scene pictures of the project

项目实景图

The first batch of near-zero energy consumption standard residences in Shanghai

✔上海首批近零能耗标准住宅

Zhonghuan Taoyuanli is a demonstration low-carbon project integrating the near-zero energy consumption standard (10 residential buildings), intelligent manufacturing (1 residential building), and photovoltaic storage direct flexible (1 commercial building). It is also one of the first residential buildings in Shanghai to respond to the near-zero energy consumption standard.

中环桃源里是融近零能耗标准 (10栋住宅) 、智能制造(1栋住宅)、光储直柔 (1栋商业) 为一体的示范低碳项目，也是上海首批响应近零能耗标准的住宅。

This is not only a manifestation of Zhonghuan Group's sense of local social responsibility, but also an introduction of advanced and trendy living concepts to Putuo, raising the future living standards of Putuo.

这不仅是中环集团作为本地社会责任感的体现，更为普陀引入先进潮流的生活理念，拔升了普陀未来人居标准。

For this reason, the project has independently created a full "15+2" low-carbon detail, creating a rare low-carbon future community in Shanghai, such as

为此，项目独创了整整“15+2”低碳细节，营造了上海罕见的低碳未来社区，比如

Combined external wall insulation is equivalent to putting on one layer of cotton-padded sweater, two layers of woolen sweater, as well as a waistcoat and a down jacket for the building.

组合式外墙保温，相当于为建筑穿上了1层棉毛衫、2层羊毛衫以及马甲与羽绒服。

And through the thermal bridge breaking design, the loss of indoor heat to the outside is prevented.

并通过断热桥设计，隔绝室内热量向外流失；

At the same time, enhance the insulation of the roof to prevent the top floor from being exposed to the sun in summer and cold in winter as well as leakage.

同时强化屋顶保温，避免顶层夏晒冬冷和漏水。

Compared with the thin insulated walls of ordinary buildings, the multi-layer insulated walls of this project can effectively prevent the loss of indoor heat to the outside, making the interior feel like spring all year round.

相较一般建筑单薄的保温墙面，项目多层保温墙面能强效隔绝室内热量向外流失，室内四季如春。

Sales office phone number of Zhonghuan Taoyuanli: 400-9939-964. Official phone number of Zhonghuan Taoyuanli: 400-9939-964

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

中环桃源里售楼处电话：400-9939-964

上海普陀中环桃源里售楼处电话☎：400-9939-964✔✔✔

中环桃源里售楼处电话☎：400-9939-964✔✔✔

上海普陀中环桃源里售楼处电话☎：400-9939-964✔✔✔每隔一段时间，就会有革命性产品出现，然后彻底改变人们的生活习惯。

这是乔布斯在2007年苹果发布会上的开场白，那一天，他展示了第一代iPhone，全球智能手机的变革，由此拉开大幕。

楼市逻辑亦如此，创新与价值的关联，总会被时光验证。

就像一开始，人们对电车的安全性、充电方面多有顾虑，而现在才理解什么叫“科技改变生活”。这就是趋势！

住宅未来趋势，会如何？

今年的国常会，给出一个明确的方向：高品质住房！

什么才是“高品质住房”？

我们的理解是，“高品质住房”并不仅仅是指房屋的硬装配置，更多的是体现在生活品质的全面升级。

01

发展“高品质住房”底层逻辑

为何要大力发展“高品质住房”，结合目前市场环境，我们认为有以下几点：

1

坚持“房住不炒”的政策

过高的土地溢价不利于工程质量保证，从去年开始全国各地，包括上海在内，纷纷新增了有关竞“高品质建设”的环节，为高品质住房预留足够的成本空间。

2

“碳达峰、碳中和”国际背景

我国能源消耗连续10年居世界第一，全国建筑全过程碳排放总量占全国碳排放总量比重超半数。面对全球变暖的气候危机，“双碳”目标下，如何提高建筑能效、降低实际能耗，是必经之路。

3

日益增长的改善居住需求

住房消费需求不断提升，个性化居住需求越来越高。除了房子本身之外，购房者开始更加关注居住的体验，对房屋的品质、居住环境、物业服务等都提出了更高的要求。值得一提的是，随着健康消费需求持续升级，未来超低能耗、近零能耗标准住宅将成为主流。

4

顺应房地产市场的发展

近两年频繁曝出的房屋质量问题，让很多开发商意识到“品质躺平“无以为继了，“减配降标”的房子已经渐渐卖不动。如今，装修标准大幅提升、高颜值外立面&创新户型重现江湖、科技住宅“加量不加价”……房地产市场新的趋势已经十分明显。开发商们纷纷顺应市场发展，从"高速扩张型"向"精工品质型"转变。

2

为何推荐近零能耗标准住宅？

那么，什么样的房子，才是符合未来发展趋势的“高品质住房”？

从品质生活、节能环保、健康需求等角度出发，我们认为近零能耗标准住宅，会成为未来"高品质住房"的加分项。

1

什么是近零能耗标准住宅？

近零能耗建筑是指适应气候特征和场地条件，通过被动式建筑设计最大幅度降低能耗需求，充分利用可再生能源，以最少的能源消耗提供舒适室内生活环境。

在国际上，德国是欧洲最早研究近零能耗建筑的国家之一，在建筑节能方面发展相对较快，同时也建立了比较完备的法规制度、政策标准和技术体系。我国起步相对较晚，目前市场上绝大多数的超低能耗标准住宅，都是近零能耗标准住宅的初级表现形式。

2

住"近零能耗标准住宅"是什么体验？

简单概括四个字：“冬暖夏凉”！

相信每一个在上海过冬的人，都对上海“湿冷”有刻骨铭心的直观感受。同时，在异常闷热的梅雨季节，总是担心衣服晾不干，浑身湿漉漉，特别憋闷难受。

理论上来说，在一座近零能耗标准住宅里，冬天不再有刺骨的寒冷，也没有制热空调扑面而来的“头热脚冷”，转而是一种“清爽舒适”的感觉。这种感觉，仿佛微凉的气流从皮肤拂过，让温度湿度都恰到好处的干爽，让你睡一夜起来喉咙不会感到干燥，也不再担心孩子得“空调病”。

3

为何近零能耗标准住宅值得推荐？

首先，就像上文所强调的，目前市场上绝大多数的超低能耗标准住宅，都是近零能耗标准住宅的初级表现形式。这意味着，近零能耗标准住宅不仅品质更高阶，而且目前相对稀缺！

其次，虽然它是一套成本投入巨大的系统工程，但是却从本质上让居住在里面的人，能够得到更好的生活舒适性，从而提高生活品质。

技术核心在于稳定温度。

比如高性能的围护结构，可以让房子形成类似保温盒的“锁温”空间，保持室内温度稳定，不光舒适节能，还避免了冷凝导致的内墙剥落起翘回潮发霉。中环桃源里售楼处电话☎：400-9939-964✔✔✔

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中环桃源里售楼处电话☎：400-9939-964✔✔✔

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对比数据来看，传统住宅外墙的保温板做到两三公分厚即可，而近零能耗标准住宅的外墙系统，运用新型的保温材料，强化了建筑整体气密性和热桥控制。

中环桃源里售楼处电话☎：400-9939-964✔✔✔

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还有，优越的建筑气密性也必不可少。

样板房实景图仅供参考，不代表交付标准

市面上的超低能耗住宅，外窗普遍采用三玻两腔的设计。而近零能耗标准住宅更加极致，采用三玻两腔的双LOW-E玻璃，增加内外温度的隔断，也增加噪音的隔断，然后窗框四周采用防水透气膜和防水隔汽膜，这么做的目的是让空气也能实现隔断，从而保证冬天房间不漏气，雨水不会渗进来。

用直观的数据说明，我们以上海首个近零能耗标准住宅产品之一——中环桃源里举例，项目优选了高质量德国ROTO断热铝合金，整个窗户横截面足足有约12厘米的厚度，房间气密性从普通建筑的6级提升到8级。

此外，为了让室内保持自然清新的空气，维持舒适的肤感，还需要"三大件"加持：天氟地水两联供一体机搞定空调地暖，空气源热泵搞定家用热水，热回收新风系统，能除霾净化空气，搞定调温换气防冷凝。不仅节能环保，还可以大幅降低家庭燃气费用。

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样板房实景图仅供参考，不代表交付标准

不过上海地区相比于北方地区，更加重视自然通风。可以发现，中环桃源里设计了更大的窗墙比，大幅提升了卧室、起居室窗户面积。哪怕是小户型的小房间，也有着足够大的窗户，落进室内的阳光也比传统房屋更多，提高自然采光与自然通风的面积。

最后，除了上述的优势之外，这样一套复杂的工程，本身对于设计、施工、技术等都是一种考验，特别是交付要面对非常严苛的标准来检测。这对于购房者说，这或许是一件好事。因为从严审核，意味着建筑交付的标准和品质有保障。

3

省钱又省心

“省钱又省心”的置业之选

最后，我们来说说购房者最关心的话题。就是住在这样的一套“近零能耗标准住宅”里，到底能有多省钱？

先和大家算一笔账，相对于普通建筑，未来房屋使用中的供暖、空调、照明、生活热水、电梯能耗水平应较2016年以前的建筑节能设计标准降低约60%以上。

事实上，作为上海首批近零能耗标准住宅之一，中环桃源里不仅是一座可以“省钱”的房子，同时也可以很“省心”！

中环桃源里售楼处电话☎：400-9939-964✔✔✔

上海普陀中环桃源里售楼处电话☎：400-9939-964✔✔✔

效果图仅供参考，不代表交付标准

1、国企交付

在这个不确定时代，人们更青睐于国企央企背景的房企、拥有一定市场口碑、具备硬核品质实力，以及能够安全交付的房子。中环集团，作为普陀本地国企，品质可靠，能给予购房者足够的安全感。

2、多元户型

二期建面约83-178㎡2-4房，相比一期来说，拥有更多元的户型选择。无论是新婚夫妻，或是三口之家，亦或是三代同堂，都可以满足需求。

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本次新增小户型产品，建筑面积约83㎡的2房房型方正，几乎没有浪费的空间。层高约3.1米，客餐厅与阳台实现了一体化，让整体的公共空间更加“舒畅”明亮，完全没有压抑的感觉。

全明布局，2间卧室一南一北“互相照应”。不管在一起多长时间，都能保有家人之间独立空间，又方便近距离照顾。

而且即便是小户型，室内装修标准实际也不低于4000元/㎡，中央空调、全屋地暖、霍尼韦尔全热回收新风系统及全屋智能系统均为交付标准。在如今市场中，这样的“超配”品质实属罕见。

值得一提的是，自上海土拍开始取消7090限制后，未来建筑面积约120㎡将成为上海主流户型。这意味着，建筑面积约83㎡2房供应会变少，具有稀缺价值。而且总价低入手门槛友好，未来流通性也会更好一点。

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再来看看更阔绰的大3房，建筑面积约126㎡，采用主流的三开间朝南+横厅设计。

餐厅与阳台也实现了一体化，做足尺度感。南向宽景阳台，不仅能实现收纳储物、清洁工作等功能，还适合闲时养花，约上好友喝茶晒太阳。

U型厨房，空间非常宽敞，也能让家里的大厨一展身手。

此外，三间房间满足大部分家庭日常需求。普通的三口之家，父母过来小住时不会局促。即使多一个家庭成员，也能游刃有余。

双卧室朝南，自带飘窗，主卧套房设计，更彰显品质感。北侧的书房，可以作为游戏室或儿童房使用，增添了户型的成长性。

如果预算充足，还有2款终极改善户型，建筑面积约175-178㎡4房可供选择。

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Project effect schematic diagram, subject to actual delivery

项目效果示意图，以实际交付为准

Air source heat pumps are used to heat domestic hot water, bidding farewell to high-energy-consuming gas heating and electric heating, and significantly reducing the gas cost for domestic hot water.

空气源热泵制热生活热水，告别高能耗燃气制热与电制热，大幅降低生活热水的燃气费用。

The airtightness system conducts special and meticulous construction treatments on the connection parts between exterior Windows and walls, the areas where pipes pass through walls and protrude from the roof, and the joints of prefabricated wall panels, etc., to enhance the overall airtightness of the building.

气密系统，对外窗与墙体连接部位、管道穿墙及出屋面部位、预制墙板拼接等部位进行特殊的精细化施工处理，强化建筑整体气密性。

It is reported that the air tightness of the entrance door reaches level 7. The air tightness of the exterior window of the three-pane two-chamber double LOW-E system of the German Noto brand can reach up to level 8. On the one hand, it cuts off the convection of cold and hot air between the indoor and outdoor.

据悉，入户门气密性达7级，德国诺托品牌三玻两腔双LOW-E系统外窗气密性最高达8级，一方面切断室内外冷热空气对流；

On the other hand, it provides all-round sound insulation and noise reduction.

另一方面全方位隔音降噪。

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Real scene pictures of the model room

样板间实景图

Honeywell's total heat recovery fresh air system features haze removal and air purification functions. It also improves the temperature difference caused by fresh air through heat exchange mode, keeping the indoor environment healthy and fresh.

霍尼韦尔全热回收新风系统，具有除霾与空气净化功能，并通过热交换模式改善新风带来的温度差异，使室内环境保持健康清新。

The central air conditioning + floor heating system adopts a "fluorine in the sky and water on the ground" multi-split air conditioning two-unit supply system. The air conditioning main unit provides cooling in summer and hot water for floor heating in winter. Compared with the traditional boiler supply of hot water for floor heating, it significantly reduces heating costs and effectively saves energy.

中央空调+地暖系统，采用“天氟地水”多联式空调两联供系统，空调主机夏季制冷，冬季提供地暖热水，相比于传统的锅炉供应地暖热水，大幅降低了采暖费用，有效节省能源。

The community also has energy-saving lighting systems (using high-efficiency energy-saving LED lamps) and energy-saving elevators (driven by variable frequency speed regulation with A total energy demand level meeting A-level energy efficiency requirements), etc. The energy consumption of all these systems is significantly lower than that of ordinary buildings.

社区还有节能照明系统（采用高光效的节能 LED 灯具）、节能电梯（使用总能量需求等级满足A级能效要求的变频调速驱动电梯）等，能耗均比普通建筑大幅度节能。

✔ Outshine the decoration standards of the same level

✔碾压同级的装修标准

On the one hand, it selects international high-end luxury brands, and many of them are high-end models of various brands.

一方面，甄选国际精装大牌，且很多还是各个品牌的高端型号。

Sales office phone number of Zhonghuan Taoyuanli: 400-9939-964. Official phone number of Zhonghuan Taoyuanli: 400-9939-964

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

You can take a look. Most of the high-end decoration brands of the same level are Siemens and Moen. The better ones use Duravit. It can only be said that they are mainly first-tier brands.

大家可以感受一下，同级别精装品牌大部分是西门子、摩恩，好一些的用杜拉维特，只能说以一线为主。

In Zhonghuan Taoyuan Li, Platinum Wave High integrated large single slot + pull-out faucet is used.

而在中环桃源里，使用铂浪高一体大单槽+抽拉式龙头；

Bosch cooktops, range hoods, dishwashers;

博世灶具、吸油烟机、洗碗机；

The refrigerator is the same model of LIEBHERR as that in Cuihu Tiandi.

冰箱是翠湖天地同款LIEBHERR（利勃海尔）；

Villeroy & Boch's toilet bowl;

唯宝的马桶台盆；

The master bathroom is equipped with a Villeroy & Boch wall-mounted smart toilet, and both the faucet and showerhead are from Corudi.

主卫更用的唯宝壁挂式智能马桶，龙头花洒都是科鲁迪的。

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

样板间实景图

甚至连户内外窗用的都是Roto（德国诺托）三玻两腔双Low-e+中置百叶窗（东西南侧），整体以国际奢侈品牌为主。

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

另一方面，人性化细节遍布全屋，开发商把品质打磨到细微之处。

比如，项目入户门采用高端品牌金凯德的钢木复合门，搭配金属不锈钢包边，建面约106㎡门面面宽为1米，宽于一般入户门的90cm门框，并配备博世4合1智能密码锁，高端大气的同时方便大家具进出。

样板间实景图

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

比如在入户门背后，安排好了收纳柜，直接解决了生活痛点。

样板间实景图

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

For instance, in the case of the "finely decorated" delivery of the TV background wall, the vast majority of properties in this area are marked with "non-delivery standards", while in Zhonghuan Taoyuanli, the TV background wall with a construction area of approximately 106 square meters is delivered in a hard package, and the TV background wall with a construction area of approximately 166 square meters is even delivered with rock slabs and partial wood veneer.

又比如电视背景墙“精妆”交付，该部位绝大多数楼盘都贴“非交付标准”，而中环桃源里建面约106㎡电视背景墙硬包交付、建面约166㎡电视背景墙甚至岩板+局部木饰面交付。

In addition, to enhance the overall aesthetic appeal of the kitchen, the refrigerator has also been embedded to maintain a unified style.

另外，为了厨房的整体美观度，冰箱也做了嵌入式处理，让风格统一。

The countertop in the bathroom is even made of natural stone. Compared with ordinary marble countertops, it is more expensive, has a higher appearance level and is of better quality.

卫生间台面甚至选用天然石材，比起普通大理石台面，成本更高，颜值更高，也更有品质。

The details reveal the truth. The developer's craftsmanship is evident.

细节见真章，开发商打造匠心可见一斑。

样板间实景图

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

✔ Larger Windows of the same level and higher floor height

✔同级更大的窗户、更高的层高

If you enter the model room, your first impression is that it is very transparent, which is attributed to two points.

如果你进样板间，第一直觉是很通透，这得益于两点。

First, each functional room in the project is equipped with large open Windows, and the openings can almost be pulled all the way to maximize ventilation.

第一，项目每个功能间均配大开间窗户，且开口几乎可以拉到底，最大化通风。

The size of the secondary bathroom window is even almost to the ceiling, which is rare in the market.

次卫窗户尺度甚至几乎到顶，市场罕见。

样板间实景图

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

第二，层高达到约3.1米，比普通项目多出15公分，这15公分让项目装完中央空调、地暖后也不显压抑；同时空间更立体，意味更多的收纳空间。

样板间实景图

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

The project's usable floor area ratio has reached approximately 78%, far exceeding the common level of near-zero energy buildings in the market

✔项目得房率做到了约78%，远高于市场近零能耗建筑普遍水准

At present, the mainstream usable floor area ratio in the market is only 73-75%. The usable floor area ratio of Zhonghuan Taoyuanli is 3-5% higher, offering more usable space and saving real money for home buyers.

目前市场主流的得房率只有73-75%，中环桃源里得房率高出3-5%，使用空间更可观，也为购房者省下真金白银。

A rare whole-house intelligent system in its class

✔同级少有的全屋智能系统

The Honeywell intelligent control panel inside the project will be linked with the elevator, allowing the owner to call the elevator before leaving the room. In the future, it can also be connected to a mobile phone APP.

项目室内霍尼韦尔智能控制面板将会和电梯联动，让业主在室内出门前就能完成电梯呼叫，未来还可以连接手机APP。

A landscape garden that combines a sense of ceremony and interactivity

✔仪式感与交互性兼具的景观园林

In terms of community landscape, the project has created four elevated levels for all ages: the "Shade Market" commercial complex covering over 10,000 square meters, the "Forest Gathering Place" central Sun lawn + reception pergola, the "Bear Bear Playground" children's theme activity area, the "Light Oxygen Camp" under-forest reception garden, the "Yangsheng Forest" senior sports space + pet park, and the "Succulent Garden".

在社区景观上，项目打造“林荫集市”超万方商业综合体、“森林聚场”中央阳光草坪＋会客廊架、“熊熊乐园”儿童主题活动区、“轻氧营地”林下会客花园、“仰生森林”长辈运动空间＋宠物乐园以及“多肉花园”四大全龄架空层，

While creating a lush and green living scene, it triggers more possibilities of staying and meeting, allowing social interaction to occur naturally.

在营造绿意盎然生活场景的同时触发更多停留和遇见的可能性，让社交在自然而然中发生。

Sales office phone number of Zhonghuan Taoyuanli: 400-9939-964. Official phone number of Zhonghuan Taoyuanli: 400-9939-964

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Project effect schematic diagram, subject to actual delivery

项目效果示意图，以实际交付为准

Sales office phone number of Zhonghuan Taoyuanli: 400-9939-964. Official phone number of Zhonghuan Taoyuanli: 400-9939-964

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

And through the five key nodes of the New Taoyuan Living Room community square, the independent community reception lobby, the tree-lined homecwing walkway, the central landscape gathering area, the quality entrance unit display wall + exclusive entrance paving, and the ground floor fully decorated lobby, more fun and beauty are added to the journey home.

并通过新桃源会客厅社区广场与独立社区会客大堂、林荫归家步道、中央景观聚场、品质入户单元昭示性景墙＋专属入户铺装、首层精装大堂五大节点，赋予归家路途更多逸趣与美好。

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Project effect schematic diagram, subject to actual delivery

项目效果示意图，以实际交付为准

03.

03.

The "top student" in the field of apartment layouts

户型界的“尖子生”

There is always a suitable apartment for all ages

全龄户型总有一款适合您

Zhonghuan Taoyuanli, meticulously studying the understanding and demands of contemporary urban elites for a refined lifestyle, has created 2-4 bedroom units with a construction area of approximately 83-178 square meters, catering to diverse property purchase needs.

中环桃源里，精研当代都市菁英对精致生活的理解与需求，打造建面约83-178㎡2-4房，满足多元化置业需求。

Meanwhile, Zhonghuan Taoyuanli emphasizes returning to the essence of human habitation, ensuring that the floor plans have a wide width, good lighting, reasonable zoning, and humanized circulation design, making the sense of scale, functionality, and comfort all present.

同时，中环桃源里强调回归人居本质，保证户型拥有大面宽及采光、合理分区、人性化动线设计等，让尺度感、功能性、舒适度全部在线。

With a construction area of approximately 83 square meters, this 2-bedroom apartment is a rare "entry-level luxury home" in the market and also a rare small-sized unit with a decoration cost of about 4,000 yuan per square meter.

✔建面约83㎡2房，是市场罕见的“入门级豪宅”，也是难得的装修高达约4000元/㎡的小户型。

In terms of layout, the living and dining area are integrated, with smooth circulation. The balcony space connects the living and dining areas, further enhancing the space utilization rate.

格局上，客餐厅一体化，动线流畅，阳台空间拉通客餐厅，进一步拉高空间利用率；

Both bedrooms also have bay Windows.

两卧也均带飘窗。

Sales office phone number of Zhonghuan Taoyuanli: 400-9939-964. Official phone number of Zhonghuan Taoyuanli: 400-9939-964

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Real scene pictures of the model room

样板间实景图

With a construction area of approximately 126 square meters, it is a rare three-bedroom apartment in the market. Especially the social space, with a large horizontal living room and a large balcony, the entire social space is square and grand. The dining room can also accommodate a six-person table for large families to have meals.

✔建面约126㎡是市场少有的大三房，尤其是社交空间，大横厅配大阳台，整个社交空间方正大气，餐厅还能放置六人桌供大家庭进餐。

In addition, this apartment type has as many as five bay Windows, which effectively extend the indoor space.

此外该户型有多达5处飘窗，很好延伸了室内空间。

The master bedroom is a luxury suite, with the sleeping area, dressing room and bathroom progressing layer by layer.

主卧是豪华套房，就寝区、衣帽间、卫浴间层层递进。

The kitchen is very comfortable in scale, with an L-shaped countertop and a double-door refrigerator compartment.

厨房尺度非常舒适，L型操作台面配双开门冰箱位。

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

With a construction area of approximately 106 square meters, it achieves a true three-bedroom layout. The living room has a width of about 3.45 meters. It features an open and visible kitchen design, combined with a large south-facing balcony, creating a spacious integrated family public activity space. The overall living experience is bright and open.

✔建面约106㎡做到了真三房，客厅面宽达到约3.45米，开放式可视厨房设计，搭配南向大面积阳台，打造开阔的一体化家庭公共活动空间，整体居住体验明亮开阔。

The complete floor plan is as follows: Sales office phone number of Zhonghuan Taoyuanli: 400-9939-964 Official phone number of Zhonghuan Taoyuanli: 400-9939-964

全套户型图如下：中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964

中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Finally, regarding the location, I'll briefly mention two points:

最后关于地段，简单说两点：

First, Zhonghuan Taoyuanli is a property in the Zhichuangcheng cluster that is closer to the Qilian Mountain Road Station of Line 11 and the Gulang Road Station of Line 15, as well as the core industries of Taopu.

第一，中环·桃源里是智创城组团中距离11号线祁连山路站/15号线古浪路站，以及桃浦核心产业更近的楼盘。

Secondly, the Taopu Central Park, covering an area of approximately 1 million square meters, is located about 280 meters to the west of the project. Moreover, the Guojin Sports Center within it has been opened, featuring dozens of themed sports venues such as an ice rink, swimming pool, basketball court, fencing hall, skate park, balance bike, dance studio, gym, and squash court. It offers leisure facilities right outside the door.

第二，约100万㎡的桃浦中央公园就在项目西侧约280m处，并且其中的国金体育中心已开放，设计数十个主题运动场所，如滑冰场、游泳馆、篮球馆、击剑馆、滑板公园、平衡车、舞蹈室、健身房、壁球室等，出门就是休闲配套。

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

Shanghai Putuo Zhonghuan Taoyuanli Sales Office Tel: 400-9939-964...

上海普陀中环桃源里售楼处电话：400-9939-964...

Taoyuanli, Central

中环桃源里

A small number of properties in Phase III are now on sale

三期少量房源火热在售中

We are launching a total of 128 three-bedroom units with a construction area of approximately 106-126 square meters!

推出建面约106-126㎡三房，共计128套！

With a minimum purchase price of less than 6 million yuan, you can get into Putuo Middle Ring Road, a quality benchmark

最低不足600万上车普陀中环品质标杆

Sales office phone number of Zhonghuan Taoyuanli: 400-9939-964. Official phone number of Zhonghuan Taoyuanli: 400-9939-964

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

中环桃源里售楼处电话：400-9939-964中环桃源里官方电话：400-9939-964

上海普陀中环桃源里售楼处电话：400-9939-964...

信贷业务作为贷款行业中的一种，在中国出现的时间不长，但近几年发展迅猛，也越来越有成为主流的趋势，参与到信贷这个行业的新人也越来越多。而作为信贷行业中的新人，可能对信贷还没有具体的了解，本文会介绍一些信贷的基础知识以及信贷的操作流程，帮助大家能更了解信贷这个行业。

一、信贷

(一)含义

信贷有广义和狭义之分。广义的信贷指一切以实现承诺为条件的价值运动形式，包括存款、贷款、担保、承兑、贴现等活动。狭义的信贷专指银行的信用业务活动，包括银行与客户往来发生的存款业务和贷款业务。

(二)基本特征

1、偿还性:存款有存有取，贷款有借有还且均需支付一定的利息，这是信贷的重要特征。

2、周转性:任何存贷款都是不断周转的，如果存款存取中断，贷款收放中断，信贷也就中断

3、融通性:存款存存取取，贷款收收放放信贷通过存贷过程对社会资金在时间和空间上灵活调计，在各经济单位间相互融通。

4、效益性:以取得利息收入为目的。

二、信贷业务

(一)含义

信贷业务是商业银行最重要的资产业务，通过放款收回本金和利息，扣除成本后获得利润，所以信贷是商业银行的主要赢利手段。

银行利用自身实力或信誉为客户提供资金融通，并以客户支付融通资金的利息、费用和偿还本金或最终承担债务为条件，对客户提供的各类信用的总称，包括贷款、贴现、承兑、信用证、担保等或有资产业务。即银行信贷是银行筹集债务资金、借出资金或者提供信用支持的经济活动。

(二)种类

1、按用信对象可以分为法人客户（对公客户）类信贷业务和自然人客户 （个人客户）类信贷业务。

2、按期限可分为短期信贷业务，期限在1年以内(含1年)、中期信贷业务，期限在1年至5年之间(含5年)和长期信贷业务和长期信贷业务，期限在5年以上。(要根据借款人收入状况、经营周期、还款方式核定贷款的期限来判定)

3、按是否提供担保可分为信用方式办理的信贷业务和担保方式办理的信贷业务，担保方式包括保证、抵押和质押三种。

(1)信用贷款:基于借款人的信用发放的贷款

(2)保证贷款:保证人为履行借款合同项下的债务向银行提供担保，在借款人不履行债务时，保证人承担连带担保责任。

(注)不能作为保证人的有:

①国家机关、学校、幼儿园、医院等以公益为

目的的事业单位和社会团体。

②企业法人的分支机构、职能部门，但企业法人的分专机构由法人书面授权的。可在授权范围内提供保证。

(3)抵押贷款:抵押人不转移对其所拥有所有权、处分权的财产的占有，以该财产作为抵押物向银行提供担保，当借款人不履行债务时，银行以抵押物折价、拍卖、变卖所得款项优先受偿。

(注)不能作为抵押物的有:

①土地所有权。

②耕地、宅基地、自留地等集体所有的土地使用权。

学校、幼儿园、医院等以公益为目的的事业单位、社会团体的教育设施、医疗卫生设施和其他社会公益设施。

③所有权、使用权不明或有争议的财产。

④依法被查封、扣押、监管的财产。

(4)质押贷款-出质人将其拥保存整页为图片>利移交银行占有，当借款人不履行债务时，银行有权按照质押合同的约定以质押物折价、拍卖、变卖所得价款优先受偿。

常见的可以质押的有:汇票、存款单、仓单、提货单、股权、应收帐款等。

注意事项:

①抵押及质押要按规定办理抵押及质押手续，没有办理登记手续的，银行的债权得不到优先受偿。

②在办理抵押或质押时要注意的三个问题:抵质押物产权是否清晰、是否足值、是否易于变现。

③质押分为动产质押与权利质押。动产质押与抵押的不同在于对财产是否转移占有。抵押物的权属是清晰的，是抵押人所有并可以支配的，抵押物的权属不发生变化;同时没有银行的同意，是不可以变卖和出租的，而且抵押物是易于变现的。

④按会计核算的归属划分，表内信贷业务，主要包括贷款、商业汇票贴现等；表外信贷业务，主要包括商业汇票的承兑、保证、信用证等。

(三)常见的信贷业务品种:

1、流动资金贷款:银行向借款人发放的用于正常生产经营周转或临时性资金需要的贷款。

2、固定资产贷款:银行向借款人发放的用于固定资产投资项目的中长期贷款。

3、房地产开发贷款:属于固定资产贷款的一种，银行向借款人发放的用于房屋建造、土地开发过程中所需资金的贷款。

4、个人住房贷款:银行向借款人发放的用于其在辖区内购买、建造各类住房的个人贷款。

5、汽车消费贷款:银行对借款人在特约经销商处购买汽车的个人借款人发放的贷款。

6、其他消费贷款:银行对借款人除住房及汽车外的其他大额消费而发放的个人贷款。

7、银行承兑汇票:指银行作为付款人，根据出票人的申请，承诺在汇票到期日对收款人或持票人无条件支付汇票金额的票据行为。

8、贴现:指银行承兑汇票的持票人将未到期的银行承兑汇票转让与银行，银行按票面金额扣除贴现利息后，将余额付给持票人的一种融资行为。

三、信贷的基本要素

信贷的基本要素总共有七种，分别为:

七大要素包括:

(1)业务对象(贷款对象)

1、公司客户:工商行政管理机关(或主管机关)核准登记的企(事)业法人、其他经济组织。

2、个人客户:包括经工商登记的个体工商户及具有中国国籍、完全民事行为能力的自然人。

(2)金额

银行向客户提供单笔信贷业务或额度授信及额度使用的具体数额，贷款金额要根据借款人的承贷能力、担保条件、贷款用途等综合考虑。

(3)期限

分为短期、中期、长期，个人住房贷款期限的一般不超过30年。

(4)利率

在央行规定区间的基准利率基础上，根据借款人贷款风险、贷款的综合收益、市场资金供给情况、资金筹集成本等因素，实行浮动利率。最低下浮10%，个人住房贷款最低下浮30%。

(5)用途

不同的信贷业务有不同的用途，尤其关注用途是否真实、合法，贷款用途是否在营业执照规定的范围内，是否属于国家严禁或限制的项目，贷款不能流入股票、期货市场及不能进行权益性投资，挪用资金是一种危险的信号。

(6)贷款方式

分为信用贷款、担保贷款

担保是保证借款人还款或履行责任的第二还款来源。担保的方式有保证、抵押、质押等。

(7)还款方式

主要分为以下三种，即等额本息还款法、等额本金还款法、按月付息，到期还本法。

1、等额本息还款法

(1)每月还款金额相同，方便记忆;

(2)前期每月还款少，故还款压力小;

(3)此种还款方式，一般可申请较长的贷款期限(10年甚至更长)，还款压力降低，适合项目周期较长，回款较慢的客户。

2、等额本金还款法

(1)前期每月还款多，总利息支付比较少:

(2)同等额本息还款法，一般可申请较长的贷款期限(10年甚至更长)。

3、按月付息，到期还本法

每月仅需支付利息，不需偿还本金，资金利用率高;较适合资金周期率快，回款周期短的客户

四、信贷业务基本操作流程

信贷管理是一个由诸多环节环环相扣的全流程管理过程，任何一个环节出现问题，都会引发信用风险和操作风险。每个环节的职责都有具体的部门和岗位去落实。

一般来说，可以把信贷业务的操作分为三个部分，即贷前、贷中和贷后三个基本环节。

(一)贷前:贷款受理、贷款调查、贷款审查、贷款审批

1、受理

初步审查申请人的主体资格、用途、各项收入情况(第一还款来源)、保证人或担保物(第二还款来源)是否符合银行的要求。

申请人提供的资料必须提供原件与复印件核对，客户经理核对无误后，在复印件上盖“与原件相符”印章，并签名确认。在受理阶段，借款人可能不会一次性提供所有的资料，客户经理可从申请人的主体资格、银行流水或报表等材料初步判断贷款是否可行。

2、贷前调查

贷前调查实行双人调查制度，客户经理对所调查的内容进行事实认定，并在贷款档案的调查报告中分别签名确认。

调查内容包括借款人的基本情况、经营情况、财务状况以及贷款用途、担保物的产权和变现能力

其中借款人若为公司客户的，主要通过实地考察和对财务报表的分析，判断借款人的偿债能力，并且在分析财务状况时，应根据连续几期的财务数据纵向对比，揭示财务变化趋势，尤其应注意与行业水平进行横向对比，综合反映企业实际经营管理水平。

3、贷款审查

主要对资料、数据进行复核审查，如有必要应实地了解核实，审核的主要内容有:

(1)手续、资料是否齐全;

(2)分析是否正确;

(3)是否符合政策及制度的规定。

4、贷款审批

贷款审批人员对贷款进行审核，并提出最终的意见或决策。根据贷款的风险状况，出具贷款审批意见，审批通过的应全面提出防范风险的意见和措施，并明确贷款的种类、金额、期限、利率、担保方式、还款方式、操作管理要求、法律文书签订等要素。

(二)贷中:签订合同、贷款发放

1、签订合同

客户经理要依据贷款审批意见，审查合同是否填写准确、完整，合同附件是否齐全;合同、借据应用正楷清晰填写借款人名称、用途、金额、期限、利率等要素，填写内容不得涂改，如确实需要涂改的，需要合同各方当事人签章确认。

2、贷款发放

贷款资金监督管理审查借款人提出的书面提款申请资料，确认满足提款条件后将贷款资金发放至借款人专用或指定银行账户。

(三)贷后:贷后检查、贷款到期的处理、贷款档案管理

1、贷后检查

贷后检查，重点要掌握贷款资金的流向，尤其要检查贷款是否被挪用;对未按合同约定使用的，应查明原因并提出处置意见和建议等。

若发现问题应及时预警，按照合同约定采取风险化解措施;风险重大的，立即向上级报告，履行有关审批手续后，采取信贷措施。

2、贷款到期的处理

即到期催收，短期到期前10天、中长期到期前30天以电话、短信或书面等方式联系借款人，督促其到期还款。借款人还清贷款本息后，将抵、质押的权利凭证交还抵、质押人，办理抵、质押移交手续。若是采取分期还款模式，借款人可根据资金情况提前归#发文集龍卡瓜分百万现金#还部分或全部贷款，但需事先征得贷款人的同意....