绿宝园翡梵(上海浦东·绿宝园翡梵)首页官方网站_绿宝园翡梵售楼处电话-2025楼盘评测|绿宝园翡梵最新价格|绿宝园翡梵户型配套

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964.....

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

It is said that high-net-worth individuals yearn for the bustling origins of big cities - Central, Ginza, Lujiazui, Orchard Road...

都说高净值人群向往大都市的繁华原点——中环、银座、陆家嘴、乌节路……

But on a deeper level of their dreams,

但他们梦境的更深一层，

But it has always been "finding tranquility amid the hustle and bustle".

却从来是“闹中取静”。

Half the hustle and bustle of daily life, half the simplicity and joy, is what truly touches the hearts of high-net-worth individuals.

一半烟火，一半清欢，才是更能打动高净值人群内心真正需求的地方。

Therefore, a large detached villa located in the city center is the true residence that can be passed down through the ages.

所以，一栋位于城市中央的大面积独栋别墅，才是真正的传世之宅。

But nowadays in Shanghai, what large single-family villas in the city center can be purchased?

但如今的上海，能买到的城央大面积独栋别墅有哪些？

Where are they all located?

都位于哪里？

What are the prices?

都是什么价格呢？

First of all, regarding new houses:

首先，新房方面：

From 2020 to 2023, there will only be approximately 662 detached villas available in the city. If your goal is a purely large detached villa with a construction area of about 700 square meters or more

2020-2023年全市只有约662套独栋别墅的供应，如果您的目标是建面约700㎡以上的纯粹大面积独栋

There are only 40 sets of products available in total.

产品，那拢共只有40套供应。

Among these 40 properties, 38 are from Green Treasure Garden · Feifan, which entered the market this year.

而这40套房源中，今年入市的绿宝园·翡梵独占38套。

The other two sets are located in the heart of Huangpu City and were launched there long ago

另外两套则位于黄浦城心，并且早在推出那

The deal was closed in the year.

年就已经成交。

In other words, nowadays, if one wants to purchase a standalone villa with a construction area of approximately 700 square meters in the central part of Shanghai, the only new house available is Green Treasure Garden · Fei

换句话说，如今要在上海城央买建面约700㎡的独栋别墅产品，新房层面能够买到的，只有绿宝园·翡

It's just one plate.

梵一盘而已。

The sales office phone number of Green Treasure Garden Feifan is 400-9939-964. The official phone number of Green Treasure Garden Feifan is 400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

Of course, some people ask, will there be any other options in the future new home market in Shanghai?

当然，有人问，未来的上海新房市场还会有其他选择吗？

We don't think it will happen again.

我们认为不会再有。

It should be noted that Shanghai has now abolished the sale of land with a floor area ratio of less than 1.

要知道，上海如今已经取消出让容积率1以下的土地了。

Among the 235 residential plots transferred from 2021 to 2023, the floor area ratio

在2021-2023年出让的235块宅地中，容积

The land with the lowest plot ratio is located in Chongming, with a plot ratio of approximately 1.01.

率最低土地位于崇明，容积率约1.01。

The land plot ratio required for a single-family villa is generally between 0.1 and 0.3.

而独栋别墅的所需要的土地容积率，一般都是约0.1-0.3之间。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

This means that it is no longer possible for single-family villas to appear in the heart of Shanghai, especially those with a starting construction area of about 700 square meters like Green Treasure Garden · Feifan

这意味着，上海城心已经不可能再出现独栋别墅，尤其是像绿宝园·翡梵这样建面约700㎡起的纯大面

For the heart of Shanghai, where every inch of land is precious, owning a detached villa is too extravagant.

积独栋别墅，对于寸土寸金的上海城心而言，太过于奢侈。

Secondly, let's look at the second-hand housing aspect:

其次，来看二手房方面：

Here's a bit of market background to share with you all. The scarcity of new houses has led to a large number of high-value individuals entering the second-hand market, taking advantage of the unlimited-price detached houses

有一点市场背景跟大家说一下，新房的臻稀导致了大量高价值人群进入二手市场，把不限价的独栋别

The top of the villa has reached an extremely high position.

墅顶到了一个极高的位置。

According to statistics, in the central urban area of Shanghai (excluding the far suburbs such as Chongming and Jinshan), a total of 841 second-hand detached villas have been sold in the past four years, among which there are many successful ones

据数据统计，上海中心城区（除崇明、金山等远郊区域）二手近4年共成交了841套独栋别墅，其中不乏成

The average transaction price exceeds approximately 200,000 yuan per square meter.

交均价超过约20万/㎡的。

More importantly, the changes in the transaction prices of second-hand detached villas over the past four years have even surpassed those in first-tier riverside areas and traditional urban districts.

更重要的是，这4年独栋别墅的二手房成交价格变化程度，甚至超越了一线滨江跟传统市区。

The sales office phone number of Green Treasure Garden Feifan is 400-9939-964. The official phone number of Green Treasure Garden Feifan is 400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

It has to be admitted that on the path of Shanghai's urban advancement, high-net-worth individuals have always favored the top-tier, time-honored single-family villas.

不得不承认，在上海城市进阶的路上，高净值人群门始终偏爱那金字塔尖，传世级别的独栋别墅，

Such a preference will only make the value of single-family villas higher and higher.

而这样的偏爱只会让独栋别墅的价值越来越高。

In the second-hand housing market, the large-scale detached villas in the city center that have been available for purchase in recent years are mainly located in the following two areas:

而在二手房市场中，近几年能够买到的城央大面积的独栋别墅，主要位于以下2个区域：

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

Moreover, during these four years, only five detached houses with a construction area of over 700 square meters in the city center were sold, which shows their scarcity.

并且在这4年间，城央建面约700㎡以上的独栋也只成交了5套，可见其稀缺性。

With a transaction price of over 250,000 yuan per square meter, it is extremely difficult for high-net-worth individuals to pursue large-scale detached houses in the city center.

再加上约25万/㎡以上的成交价，高净值人群对于城央大面积独栋产品的追求，实在是困难重重。

But this also means that Green Treasure Garden · Feifan is not to be missed.

但这也意味着绿宝园·翡梵的不容错过。

This is currently the only large-scale project in the city center with a construction area of over 700 square meters

这是城心目前唯一一个建面约700㎡以上的大户

This is a detached villa with an average price of only about 123,000 yuan per square meter, offering an extremely high cost performance.

型独栋别墅，并且均价仅约12.3万/㎡，性价比极高。

The project is located in the Kangqiao International Villa District, which is a rare ecological residential area in Pudong.

项目位于康桥国际别墅区内，这是浦东难得的生态居住区。

The shady green trees on both sides of the spacious roads, combined with the clean and low-lying skyline of the villa area, give a sense of a paradise when strolling here.

宽绰道路两旁的绿树成荫、配上别墅区干净低伏的天际线，漫步在这里有一种世外桃源的既视感。

with

与

The low-density villa areas of Green Treasure Garden and Feifan blend together simply like a match made in heaven!

绿宝园·翡梵这座低密墅区融合在一起，简直天作之合！

More importantly, this is so far the closest single-family villa project starting from about 700 square meters to the three major industrial zones in Pudong.

更重要的是，这是目前为止距离浦东三大产业区更近的约700㎡起独栋别墅项目。

The sales office phone number of Green Treasure Garden Feifan is 400-9939-964. The official phone number of Green Treasure Garden Feifan is 400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

通过外环、中环、南北高架以及紧贴社区外围的18号线，绿宝园·翡梵的业主能畅达包括陆家嘴、张

江、新天地、北外滩等城市核心。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

Real-scene composite image

实景合成图

The Zhoukang area on the outer ring road of Pudong

浦东外环周康板块

Detached villas with a construction area of approximately 700 to 848 square meters

建面约700-848㎡独栋别墅

The average price is approximately 123,300 yuan per square meter, and the total price starts from 66 million yuan

均价约12.33万/m² 总价6600万起

A total of 38 newly designed properties are currently available for purchase

房源共38套 正在认购 全新设计

Online reservation at the sales office!

售楼处线上预约！

The sales office phone number of Green Treasure Garden Feifan is 400-9939-964. The official phone number of Green Treasure Garden Feifan is 400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

样板间开放中

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

准售公告&一房一价

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

Green Treasure Garden is a pure villa community mainly featuring Western concepts such as authentic American planning and American property management.

绿宝园是由纯正的美式规划，美式物管等西方概念为主的纯别墅社区。

The 38 units that have entered the market this time are reserved properties of the developers and will only be rented out and not sold in the early stage.

而本期入市的38套房源是开发商的保留房源，前期只租不售。

For the city of Shanghai: "The residential community where one lives is becoming an important symbol of social status and wealth."

对于上海这座城市而言：“所住的小区正在成为社会地位和财富的重要象征”。

Just like genes and bloodlines, once this sense of superiority is present, it will follow one for a lifetime.

就如同基因与血统一般，这种优越感一旦有了，就会跟随一生。

And Green Treasure Garden is precisely such a high-end residence that matches The Times and is passed down through generations.

而绿宝园，就是这样一个匹配时代、世代传承的高端居所。

The project is a community mainly based on advanced concepts such as pure international planning and international property management.

项目是一个由纯正的国际化规划，国际物管等先进概念为主的社区。

The high-quality buildings and landscape planning of the properties that have been delivered in the community in the early stage, such as exquisite gardens, community roads and the time-honored facades of the buildings, are still astonishing even by today's standards.

社区前期已交付的房源，其高品质建筑和景观规划，例如精致园林、社区道路以及历久弥新的楼栋立面，即使放到现在来看，依旧是惊艳。

The sales office phone number of Green Treasure Garden Feifan is 400-9939-964. The official phone number of Green Treasure Garden Feifan is 400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

绿宝园实景图

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

A real scene picture of Green Treasure Garden

绿宝园实景图

Not to mention that more than 20 years ago, such an advanced development concept and vision were the greatest affirmation for Huibao Real Estate.

何况是在20多年前，这样超前的开发理念及眼光，是对汇宝地产最大的肯定。

By 2005, Green Treasure Garden had become a mature villa community with a rental and sales rate as high as approximately 95%, and it was home to foreigners from nearly 40 countries.

之后，到2005年，绿宝园已经是一个租售率高达约95%的成熟别墅社区了，其中更是有近40个国家的外籍人士。

And Fei Fan is the pearl on the crown of the Green Treasure Garden.

而翡梵，是绿宝园王冠上的那颗明珠。

Green Treasure Garden · Feifan covers an area of approximately 66,000 square meters and consists of 38 French-style detached manor villas with a construction area of about 700 to 848 square meters, corresponding to an area of approximately 1.5 to 2 mu. Each owner can enjoy the romantic life brought by the super-large garden.

绿宝园·翡梵整体占地面积约6.6万方，由38栋建面约700-848㎡法式独栋庄园别墅组成，对应的是约1.5-2亩的占地面积，每个业主能享受超大花园带来的浪漫生活。

This scale and regulation convey a sense of emphasis on family succession!

这种尺度这种规制传达出的是一种对家族传承的重视！

Moreover, such a highly uniform total price threshold has brought together more high-net-worth individuals who pursue a life and artistic atmosphere.

另外，如此高度统一的总价门槛，让更多追求生活、艺术氛围的高净值人群聚集在一起。

In the future, a cross-border art exchange might take place in a once-in-a-lifetime encounter at the Green Treasure Garden clubhouse.

未来，一场跨国界的艺术交流，可能就出现在绿宝园会所里的一次相见恨晚。

A French romantic journey begins with a leisurely night chat in the Green Treasure Garden · Feifan Garden.

一次法式浪漫之旅，就起始于绿宝园·翡梵园林里的一次闲庭夜话。

A thousand pieces of gold can buy a house, but ten thousand pieces can buy a neighbor!

千金买房，万金买邻！

The community heritage and high-net-worth residential level of Green Treasure Garden · Feifan offer unlimited possibilities to every resident.

绿宝园·翡梵的社区底蕴、高净值居住层级，为每一位居者带来的可能性是不可限量的。

The sales office phone number of Green Treasure Garden Feifan is 400-9939-964. The official phone number of Green Treasure Garden Feifan is 400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

本批房源除了保留了最基本的框架结构，内部其他设施几乎都被推翻重建了。是一个真正意义上的“非常深度”的大改造动作。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

The 38 large detached villas of Green Treasure Garden break the tradition of previous projects, doubling the degree of luxury and beauty. They are now available in a completely different style from previous products.

绿宝园这38套大独栋别墅，打破往期传统，豪华精美程度直接翻倍，以与往期产品完全不一样风格的面貌面市。

The grand French-style appearance, luxurious materials, the subtle differences in the exquisite construction style of each building, and the super-large romantic garden...

大气法式风格外观、奢华用材、每一栋精美建造风格的细微区别、占地超大的浪漫花园……

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

01

PART

楼盘介绍

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

【 Green Treasure Garden 】 is located within the mature residential community of Zhoukang in Pudong.

【绿宝园】位于浦东成熟居住社区周康板块内。

It is the pioneering work of high-end foreign-related residential areas in Shanghai and one of the earlier pure villa communities developed in this area. There are also many villa communities around the community, forming a large villa living environment with a unified living orientation and a strong atmosphere.

是上海涉外高端居住区开山之作，也是该板块较早开发的纯别墅社区之一，小区周边也有不少别墅社区，构成大的别墅居住环境，生活定位统一，氛围浓厚。

Every pure North American-style villa seems to grow among lush trees, forming a natural and harmonious whole.

每一栋纯北美风情别墅都仿佛生长于葱郁树木之中，浑然天成。

The residents of the community are mostly foreigners, making it a residential gathering place for many overseas people in Shanghai.

社区住户以外国人居多，成为众多海外人士在上海的一个居住聚集地。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

【 Green Treasure Garden 】 covers a total area of nearly 400,000 square meters and is developed in seven phases. Among them, phases 1 to 5 are low-density pure American-style detached villas, while Phase 6 mainly consists of townhouses and townhouses. It was launched last year.

【绿宝园】总占地近40万方，共分七期打造，其中1-5和为低密度纯正美式风格独栋别墅，6期主要为洋房与联排产品，去年开盘；

Phase 7 mainly consists of townhouses. Before Phase 4, 38 villas were reserved for the developer. They are currently available for subscription and no points are required.

七期以洋房为主，另外4期之前为开发商保留别墅，共38套，正在认购中，无需积分。

Among the numerous luxury residences in Shanghai, whether they are large apartments, style villas, courtyard houses or new neighborhoods, only urban detached villa estates are particularly scarce.

在上海一众豪宅之中，无论是大平层、风貌别墅、合院、新里，惟有城市独墅庄园尤为稀缺。

Green Treasure Garden, which has been listed among the "Top Ten Super Luxury Residences in China" three times, has made a comeback with its grand launch of Green Treasure Garden • Feifan. With a single two-story building above ground and a construction area of approximately 700-800 square meters, it stands out among the billion-yuan luxury residences with its unique "villa" style. It has set a triumphant march for the classic and become a world-class benchmark for French-style villas in Shanghai.

曾三度入榜“中国十大超级豪宅”的绿宝园王者归来，重磅推出的绿宝园•翡梵，单栋地上二层建面约 700-800㎡的恢弘尺度，在亿元级豪宅中独“墅”一帜，让经典奏响了凯旋进行曲，成就上海法式别墅的世界级标杆之作。

In the past decade, in Shanghai's new home market, Green Treasure Garden Feifan is the only project that is purely composed of single-family villas with a construction area of approximately 700 square meters or more.

近10年来上海新房市场，纯粹由建面约700㎡起独栋别墅产品组成的项目，绿宝园翡梵是唯一一个。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

Tracing back to its origin, Green Treasure Garden • Feifan has an extraordinary background.

追溯源头，绿宝园•翡梵出身不凡。

Green Treasure Garden was selected as one of the "Top Ten Super Luxury Residences in China" for three consecutive years from 2005 to 2007. It is a remarkable feat to be listed three times, possessing the unique genes of a super luxury residence.

绿宝园曾在2005年至2007年 连续3年入选“中国十大超级豪宅”，难能可贵三度上榜，具有得天独厚的超级豪宅基因。

For the refinement and growth of generations of the family, continue to write the legend of this era.

为家族世代的陶冶与成长，续写属于这一时代的传奇。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

The plot is divided into two parts, east and west, each equipped with a large clubhouse with an indoor heated swimming pool, as well as sports and leisure facilities such as football fields, tennis courts, basketball courts and children's playgrounds.

地块分为东西两个部分，分别设置了附带室内恒温泳池的两个大型会所，配备了足球场、网球场、篮球场、儿童游乐场等运动休闲设施。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

A total of 195 American-style buildings in phases one to five of the project are very popular in the villa market.

项目一至五期共195套美式建筑，在别墅市场非常受欢迎。

The main area of Phase I and II is 288-295 square meters, that of Phase III is 388-446 square meters, and that of Phase IV is a large detached villa with a construction area of approximately 684/748/859 square meters, which has just entered the market and is currently available for purchase. The main area of Phase V is approximately 379-511 square meters, and that of Phase 6 is a villa with a construction area of approximately 140-170 square meters, totaling 206 units.

一期二期主力面积288-295㎡，三期主力面积388-446㎡，四期是建面约684/748/859㎡大面积独栋别墅，全新入市，正在认购中，五期主力面积约379-511㎡，六期是建面约140-170㎡洋房，共206套，

Phase 7 consists of 40 detached houses with a construction area of approximately 128 to 170 square meters.

七期是建面约128~170㎡洋房，共40套。

Green Treasure Garden was born in 1999.

绿宝园诞生于1999年。

Huibao Company, the developer, was the first listed developer from Indonesia. This was its first project in China. To this day, the founding-laying commemorative plaque from 1999 can still be seen in the foreign clubhouse.

开发商汇宝公司是来自印尼的第一家上市开发商，这是其在国内开发的第一个项目，至今还能在外籍会所里看到1999年的奠基纪念牌。

So far, seven phases of the project have been developed:

迄今项目已开发了七期：

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

Phase I: A total of 30 villas (for rent only, not for sale, including 8 detached villas), all completed in 2000.

一期：共30栋别墅（只租不售，其中8套联体别墅），2000年全部落成；

Phase II: A total of 40 villas, to be delivered by the end of June 2002.

二期：共40栋别墅，2002年06月底交房；

Phase III: A total of 50 villas, to be delivered by the end of March 2003.

三期：共50套别墅，2003年03月底交房；

Phase 4: A total of 38 villas (all large-area detached villas, for rent only, not for sale), delivered in November 2004.

四期：共38栋别墅（全部大面积独栋别墅，只租不售），2004年11月交房；

Phase 5: A total of 31 villas, delivered in January 2005;

五期：共31栋别墅， 2005年01月交房；

Phase 6: Approximately 140-170 square meters of townhouses, with a total of 206 units, to be launched in May 2020.

六期：建面约140-170平米洋房，共206套，2020年05月开盘；

Phase 7: Approximately 128 to 170 square meters of townhouses, totaling 40 units, to be launched on August 11, 2022.

七期：建面约128~170平米洋房，共40套，2022年08月11日开盘；

Phase 8 [Feifan] : Approximately 700/859 square meters of villas, a total of 38 units, approved on August 2, 2023.

八期【翡梵】：建面约700/859平别墅，共38套，2023年08月02日过审。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

The simple and elegant villas are hidden among the greenery, decorated beautifully. Each villa has a garden in front of and behind the house, allowing people living in the Green Treasure Garden to be surrounded by greenery all the time and breathe in negative oxygen ions.

简约大气的别墅掩映在绿色中，被点缀得美轮美奂，每栋别墅的房前屋后都建有花园，让生活在绿宝园的人们时刻被绿色包围，呼吸着负氧离子。

The plot is divided into two parts, east and west, each equipped with a large clubhouse with an indoor heated swimming pool, as well as sports and leisure facilities such as football fields, tennis courts, basketball courts and children's playgrounds.

地块分为东西两个部分，分别设置了附带室内恒温泳池的两个大型会所，配备了足球场、网球场、篮球场、儿童游乐场等运动休闲设施。

Meanwhile, the project offers comprehensive property management services in accordance with international standards, and the property management company is JLL.

同时，项目提供国际标准的全方位物业管理服务，物业公司是仲量联行。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

Real scene picture

实景图

It is worth mentioning that as the pioneering project of Shanghai Huibao Real Estate Development Co., Ltd. in the Chinese market, since 2001, "Green Treasure Garden" has become a legendary work of foreign-related high-end villas in Shanghai. It has been honored as one of the "Top Ten Luxury Residences in Shanghai" for three consecutive years and has long enjoyed a high reputation in the industry.

值得一提的是，作为上海汇宝房地产发展有限公司在中国市场的开山之作，自2001年期，“绿宝园”已然成为上海涉外高端别墅的传奇之作，曾连续3年荣膺“上海十大豪宅”，在行业内久负盛名。

In addition, today's Green Treasure Garden enjoys a relatively high occupancy rate among international villas in Shanghai and has successively attracted foreigners from nearly 40 countries.

此外，当今的绿宝园在沪上国际别墅中享有较高的入住率，先后吸引了来自近40个国家的外籍人士。

【 Green Treasure Garden 】 With its high-quality architecture, landscape planning and mature international living atmosphere, after more than 20 years of accumulation, it is now capable of standing out in Shanghai.

【绿宝园】以高品质的建筑、景观规划和醇熟的国际化生活氛围，历经20余年的积淀，足以傲视上海。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964..绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964..

浦东外环周康板块

建面约700-848㎡独栋别墅

均价约12.33万/m²总价6600万起

房源共38套全新设计

售楼处线上预约！

上海浦东【绿宝园翡梵】

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964郑恺同款别墅，仅38席！

绿宝园·翡梵独栋别墅，仅38席，郑恺同款新房，等你来抢！

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964 产品亮点：

国际社区，世界五百强高管聚集地，配套设施一应俱全（恒温泳池、健身房、瑜伽房、西餐厅、咖啡厅、户外足球场、篮球场、网球场）

38套干挂进口石材的独栋别墅（北京宝格丽酒店同款），纯正法式风格

每户占地约1.5-2.5亩，每户均有大面积花园

毛坯交付（交房时间：2025.5.31）

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964 户型面积：

700平（29栋）/850平（9栋）

主力价格区间：

700㎡ 6600-9300万

850㎡ 1.18-1.26亿

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964 户型特色：

所有别墅仅地上两层（一楼两个卧室，二楼五个卧室加一个家庭房），无地下室绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964..绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964..

浦东外环周康板块

建面约700-848㎡独栋别墅

均价约12.33万/m²总价6600万起

房源共38套全新设计

售楼处线上预约！

上海浦东【绿宝园翡梵】

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964郑恺同款别墅，仅38席！

绿宝园·翡梵独栋别墅，仅38席，郑恺同款新房，等你来抢！

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964 产品亮点：

国际社区，世界五百强高管聚集地，配套设施一应俱全（恒温泳池、健身房、瑜伽房、西餐厅、咖啡厅、户外足球场、篮球场、网球场）

38套干挂进口石材的独栋别墅（北京宝格丽酒店同款），纯正法式风格

每户占地约1.5-2.5亩，每户均有大面积花园

毛坯交付（交房时间：2025.5.31）

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964 户型面积：

700平（29栋）/850平（9栋）

主力价格区间：

700㎡ 6600-9300万

850㎡ 1.18-1.26亿

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964 户型特色：

所有别墅仅地上两层（一楼两个卧室，二楼五个卧室加一个家庭房），无地下室绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964

户型图：

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964郑恺同款别墅，仅38席！

绿宝园·翡梵独栋别墅，仅38席，郑恺同款新房，等你来抢！

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964 产品亮点：

国际社区，世界五百强高管聚集地，配套设施一应俱全（恒温泳池、健身房、瑜伽房、西餐厅、咖啡厅、户外足球场、篮球场、网球场）

38套干挂进口石材的独栋别墅（北京宝格丽酒店同款），纯正法式风格

每户占地约1.5-2.5亩，每户均有大面积花园

毛坯交付（交房时间：2025.5.31）

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964 户型面积：

700平（29栋）/850平（9栋）

主力价格区间：

700㎡ 6600-9300万

850㎡ 1.18-1.26亿

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964 户型特色：

所有别墅仅地上两层（一楼两个卧室，二楼五个卧室加一个家庭房），无地下室绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964

户型图：

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964

02

PART

楼栋分布与部分户型图

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

Unit F: Elegant accumulation of time

F户型：优雅的时光沉淀

The F unit, which won the Gold Award of the MUSE Design Awards, takes the classic style of Hermes as the main design axis, integrates the unique urban charm of Shanghai and the natural sentiment of "Green Treasure Deep Forest", and perfectly combines French classics with modern fashion, presenting a restrained and timeless elegance.

荣获MUSE Design Awards金奖的F户型，以Hermes的经典风格为设计主轴，融合上海独特的城市韵味和“绿宝深林”的自然情怀，将法式经典与现代时尚完美融合，呈现出克制而隽永的优雅。

From spatial layout to material selection, from decorative matching to color application, with an extraordinary sense of life ceremony, it bestows honor upon the owner's era status.

从空间布局到材质选用，从装饰搭配到色彩运用，以非凡的生活仪式感，为主人的时代位次授以勋誉。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

The black and white parquet marble floor in ART DECO style and the large area of mirror wall design extend the visual depth of the entrance space.

ART DECO风格的黑白拼花大理石地面与大面积镜面墙设计，延展了入户空间的视觉深度。

The dazzling star-ring crystal chandelier adds a sense of ceremony to the journey home.

如璀璨星环水晶环形吊灯，增添了归家的仪式感。

The luxurious jade background wall and the classic French furniture complement each other, highlighting the extraordinary grandeur of the Feifan space between tranquility and magnificence.

奢华的玉石背景墙与法式经典家具相映生辉，在静谧与华美之间，彰显翡梵空间的非凡气度。

Between the restaurant and the Western kitchen, eight handcrafted electric rotating vertical doors, with their ingenious design as if created by nature, are truly astonishing.

餐厅与西厨之间，八扇手工定制的电动旋转立门，宛如天工造物般的巧思令人惊艳。

Each door is inlaid with luxurious mosaics from Italian SICIS that contain platinum, and the natural shell panels refract brilliant light under the illumination.

每一扇门均镶嵌意大利SICIS内含铂金的奢华马赛克，天然贝壳面板在灯光下折射出璀璨光芒。

The opening and closing of the door leaf achieve a dynamic transformation of the space, a perfect balance between privacy and openness, adding endless joy to social interaction and life.

门扇的开合间，实现了空间的灵动转换，私密与开放的完美平衡，为社交与生活增添无限乐趣。

Every detail has been meticulously crafted by a master, presenting an ultimate feast for both the eyes and the senses

每一处细节都经过大师级的匠心打磨，呈现出一场视觉与感官的极致盛宴

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

A masterpiece of craftsmanship, a model of spatial art

匠心巨作 空间艺术典范

G Layout: A flowing and luxurious poem

G户型：流动的奢华诗篇

It took five years to design, gathering precious materials and artifacts from around the world. The artistic life is like a poem, and so is the luxurious space.

耗时5年设计，汇聚全球范围内的臻贵材料和器物，艺术生活如诗，奢华空间如是。

The Green Treasure Garden · Philippe G floor plan, which won the Platinum Award of the MUSE Design Awards, is inspired by the elegant style of Bentley yachts and integrates the natural artistic conception of "Green Treasure Deep Forest" to create a flowing artistic feast. The space is dynamic and changeable, meeting the needs of banquets and socializing as well as providing the tranquility of private moments.

荣获MUSE Design Awards铂金奖的绿宝园·翡梵G户型，灵感源自Bentley游艇的优雅风范，融合“绿宝深林”的自然意境，创造出一处流动的艺术盛宴，空间灵动变幻，既满足宴会社交的需求，又提供了私享时光的静谧。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

踏入玄关，游艇的奢贵和自然的生动相互映衬，海浪般的弧形线条与意大利艺术玻璃墙面形成潮汐般的视觉冲击。光影在水晶吊灯里流转，客厅与餐厅的朗阔经由珍贵玉石、木料和经典软装点缀，雅致氛围油然而生。主卧空间，融合游艇风的惬意与尊贵，手工艺术树脂板的独特质感与奢华水晶灯饰相得益彰，匠人们的潜心打磨，融入生活的美学定制，让每一寸空间都被赋予了超越平凡的艺术尊严。

绿宝园翡梵售楼处电话：400-9939-964

绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

03

03

PART

PART

Brand Introduction

品牌介绍

Huibao Company was jointly funded by Summarecon Group, the first real estate listed company in Indonesia, and Mayora Group, the most renowned brand in Indonesia's food manufacturing industry.

汇宝公司，是由印尼第一间房地产上市公司Summarecon集团和印尼食品制造业最著名的品牌Mayora集团共同注资而成。

Summarecon has always been dedicated to the development of high-quality communities and has successfully led the development of three satellite city projects in Indonesia. Therefore, the gene of "creating quality products" has been deeply ingrained in the blood of Green Treasure Garden since the very beginning of its development.

Summarecon一直专注于高品质社区的开发，在印尼成功主导了三个卫星城项目的开发，因此“打造精品”的基因，从开发伊始就溶入了绿宝园的血液之中。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

As the first high-end pure villa community developed by Huibao Company in China, [Green Treasure Garden] has been positioned from the very beginning of its planning to create an international high-end residential area with a North American style and mainly targeting foreign customers. Under the leadership of an internationally renowned planning and design team, it is committed to providing residents with a brand-new living standard through high-standard design, high-quality architecture, and an experienced international management team.

作为汇宝公司在国内开发的第一个高端纯别墅社区，【绿宝园】从规划之初即定位于打造具有北美风格、以外籍客户为主的国际高档住区，在国际知名规划与设计团队的主导下，致力以高标准的设计、高品质的建筑、经验丰富的国际化管理团队为住户提供全新的生活标准。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

04

04

PART

PART

Surrounding facilities

周边配套

【 Green Treasure Garden 】 is located in the Zhoukang area of Pudong, adjacent to the Disney International Tourism and Resort, and north of Lianyang Century Park. It is about 12 kilometers away from Lujiazui.

【绿宝园】位居浦东周康板块，接迪士尼国际旅游度假区，北接联洋世纪公园，距离陆家嘴约12公里。

And with the help of the road traffic facilities such as the Middle Ring Road, S20 and Line 11 within the region, Kangqiao and the five major engines of Qiantan, Zhangjiang Science City, Ditany, Pudong International Airport and Waigaoqiao Free Trade Zone are connected into a golden axis.

并且凭借区域内的中环线、S20 、11 号线等道路交通设施，将康桥和前滩、张江科学城、迪土尼、浦东国际空港、外高桥自由贸易区等五大引擎连成一条黄金轴线。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

Transportation facilities

交通配套

With the vigorous construction of the Shanghai-Nan Highway Overpass and the Metro Line 18, through the Middle Ring Road, S20, the "Four Bridges and Four Tunnels", Metro Line 11, and Metro Line 18 (under construction), etc., whether for self-driving or public transportation, it runs through both banks of the Huangpu River, forming an excellent three-dimensional transportation network that seamlessly connects Pudong International Airport and Hongqiao Hub.

随着沪南公路高架建设、地铁18号线建设的如火如荼，通过中环、S20、“四桥四隧” 、地铁11号线、地铁18号线（在建）等，无论是自驾出行或是公共交通出行，贯穿浦江两岸，形成优良的立体交通网络，无缝对接浦东国际国际机场和虹桥枢纽。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

Shanghai Pudong Green Treasure Garden Feifan Sales Office Tel: 400-9939-964...

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

Commercial supporting facilities

商业配套

Within a 5-kilometer radius of the project, there are several large commercial complexes such as IKEA, Zhoupu Wanda Plaza, Vanke Fudi Vitality City, Sam's Club, and Dongjiao Bailian.

项目半径5公里范围内，就有宜家、周浦万达广场、万科复地活力城、山姆会员店、东郊百联等多个大型商业体。

The "Xintian 360 Commercial Center" just across the street will be put into use in 2020, and the allocation of living resources is becoming increasingly mature and rich.

一街之隔的“新田360商业中心”将在2020年投入使用，生活资源配置日益成熟丰富。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

教育配套

项目周边分布着英国国际学校、常青藤幼儿园和小学、中福会幼儿园、长宁国际学校、上海惠灵顿国际学校、尚德国际学校等十几所名校供选择。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

医疗配套

项目周边拥有仁济医院、儿童医学中心、东方医院南院、上海国龙医院、浦东周浦医院等医疗资源。

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：400-9939-964...

上海浦东「绿宝园翡梵」

绿宝园翡梵售楼处电话：400-9939-964绿宝园翡梵官方电话：400-9939-964

上海浦东绿宝园翡梵售楼处电话：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