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建发檀府售楼处电话：400-8558-224✔✔│建发檀府官方售楼处地址发布：苏州建发檀府官方售楼处电话400-855-8224
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建发檀府售楼处电话☎：400-8558-224
建发檀府售楼处电话☎：400-8558-224
苏州建发檀府官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
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项目基础档案
【建发·檀府】
国企建发，虎丘湿地旁，双园禅境墅居
平墅：143㎡、147㎡、158㎡
别墅：144~205㎡
洋房：118㎡、128㎡、135㎡
建发檀府售楼处电话☎：400-8558-224
壹、产品解析
建发·檀府
建发姑苏北全新墅品
建发独墅湾、悦江南之后，2023年建发在姑苏北，虎丘湿地公园畔，落笔禅境中式墅居作品——檀府，以难得低密墅品，承载建发姑苏襟怀，回望东方生活。
【禅境中式 勾勒东方贵雅】
建发檀府售楼处电话☎：400-8558-224
建发·檀府以“空、象、简、朴”为理念，创新建筑型制，彰显产品的仪式感，用淡雅的手笔勾勒出浓烈的东方贵雅，构建全新禅境生活意向。
【创新墅居 振翅东方之冠】
建发·檀府采用创新设计，打造斜面屋顶，以极简手法保留中式元素，为禅境中式蕴添精粹的东方神韵。
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【三进雅集 探寻内心静谧】
建发·檀府匠筑三进归家雅集，一进大气门府，虎丘湿地公园为邻，兼揽静谧与纯粹；二进贵气厅堂，一步一禅味，一眼一心境；三进逸气禅园，以苏州名园为灵感，汲取传统造园精髓，营造意境与归属感。
建发檀府售楼处电话☎：400-8558-224
建发檀府南地块项目规划研究
该地块毗邻虎丘湿地公园生态区（占地12.04平方公里），坐拥南向无遮挡湖岸景观。东侧河道与湿地水系形成自然联通，构建南北向滨水居住轴线，实现75%以上建筑单元具备瞰湖视野。
用地性质为低密居住用地，容积率1.20。规划6栋4-6层纯叠墅建筑群，产品面积区间142-205㎡，价格区间涵盖417万至725万元。项目定位高端改善市场，通过产品准入机制构建圈层居住环境。
4层叠墅（限量1栋）：首排湖景单位采用双叠层设计，配置全景观界面
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较北区产品实现三大优化：① 得房率提升3-5个百分点 ② 墙体结构系统优化使空间利用率提升8% ③ 露台系统采用错层式设计，进深扩展至3.1米。典型案例显示，195㎡下叠单元实现主套空间升级，173㎡户型将花园面积扩展至55㎡，并完成餐厨动线重组。
通过退台构造与露台错位布局，形成立体观景体系。首排建筑单元设置4.5米景观面宽，配合分级绿植系统，构建多维度瞰湖视觉通廊。
建发檀府南地块户型升级方案解析
全新科研级四代墅！
先天低密+高得房率+强使用率，远超四代宅~
空中桃花源，带来更丰富场景！
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如果说市面上的四代宅设计，是对全新建筑形态和生活方式的探索，那么建发檀府四代墅，则是在别墅低密度、高赠送的天赋之上，又嫁接了四代宅的亮点，研发出了一个全新的品类。
建发檀府售楼处电话☎：400-8558-224
简单来说，檀府的产品实现了“一进阶、一升级、一自由、一颠覆”，比传统别墅更“高级”，却又比四代宅更“能打”。
居住进阶：大面宽格局，讲究舒适平权
每一款墅居产品，都做到大开大合，上下多面宽，格局舒展，把别墅的大气与四代宅的高自由融合，生态立面+垂直体系，提供更好私密性的同时，使得户户舒适平权。
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产品升级：高赠送，实际使用率超乎想象
每一层都做出了“墅感”，最高实际使用率近155%（含赠送），迭代出独栋别墅级的空间感，做到享大于想，实现大量合规赠送，让花的每一分钱，买到的都是可以使用的面积。
场景自由：立体院落，随心打造全龄生活
跳脱平面化的二维世界，打造三维立体院落，不同位置的院落，设置各类百变可拓展场景，让“背靠花园，仰望星空”成为生活日常，独享快节奏下的慢时光。
细节颠覆：强收纳，实现每处空间高拓展
从玄关、厨房、卫浴，到阳台、主卧、客厅，都做出了超级收纳，全屋拓展出近千立方空间，甚至一个主卧衣帽间就可容纳约380个20寸行李箱，收纳能力太强悍。
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※建面约143㎡上叠，南向约18.9米面宽+近155%实际实用率！
该户型最高实际使用率高达约155%（含赠送），这是什么概念？！
不仅远远超过目前苏州四代宅最高约120%的使用率，而且对比同等使用面积的大平层，总价节省近百万，这不仅之前没有，未来也很难再有。
建发檀府售楼处电话☎：400-8558-224
一梯一户的尊享设计，附赠超大面积的入户前厅。南向五面宽做到了约18.9米，相当于2个标准网球场的宽度。
动静分区，设计了巨幕横厅，将景观和视野极致化表达。整体奢阔三房两卫设计，包含豪华主卧行政套房和老人房。
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顶层最大赠送约85㎡+露台，自由发挥想象，可以用天然石材或桧木打造日式私汤汤屋，也可设计镜面泳池，亦或预留空间，做鸡尾酒会等定制主题晚宴，搭配投影幕布播放艺术电影……
建发檀府非交付样板间实拍
建发檀府售楼处电话☎：400-8558-224
※建面约152㎡中叠，南北超大露台+双归家动线，尊享感拉满…
全四卧朝南，将客厅（L）、餐厅（D）、厨房（K）、阳台（B）、露台（G）联动，带来LDKBG一体化公区，近百平超级无界生活厅，这在苏州非常罕见。
一层自带南北超大露台，创意性地将入户花园与北露台衔接，形成双归家动线，带来立体空中会客体验。北露台后期可以打造成开放咖啡吧、第二会客厅、家政间等，与南向生活阳台区分开。
南向阳台，带来的是IMAX级瞰景视野，可以铺上古朴石板、挂上纱帘，搭一个榻榻米，放置一座茶台，点上线香，在古色古香的环境里，品一壶功夫茶。
建发檀府非交付样板间实拍
也可以将天幕帐篷搭起，带着孩子一起通过望远镜看星空，或约三两好友围炉煮茶、品热红酒，人就是应该要待在没有天花板的地方。
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二层每个房间均带飘窗，整体赠送面积相当于一个餐客厅，让传统中叠也享受到了别墅里的花园生活，形成更为广阔的生活体验。
这样一个超大公区能切换到任意模式，除了豪华主卧之外，还有独立X空间灵活运用，可以是交流空间、私密空间、会客空间、专属空间、生长空间……为生活带来立方级的场景延展。
建发檀府非交付样板间实拍
※建面约173㎡下叠，三维立体化花园庭院+巨幕大横厅！
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一楼是长辈房和客餐厅，约6.1米大横厅，通风和采光通透，视野更加广阔明亮。南向长辈房开间约3.2米，做到居住同权。
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自带南向庭院，跳脱平面化的二维世界，可以设计林下阅读空间——将绿植搬出户外，在林下摆上一座秋千或沙发，一抬眼就是一大团丰盈的绿色。
或者是预留空间孩子的游乐场——将庭院一部分打造成户外儿童区，打造滑滑梯、秋千、挖沙区，让孩子感受自由生活。
也能打造专属长辈的自然小花/菜园——扛把锄头走到自己的菜地，待到秋天果实累累，家里餐桌上便时不时能吃到春天种下的白萝卜、小番茄…
建发檀府非交付样板间实拍
二楼主要是居住休息区，全卧朝南，主卧套房由卧室+独立衣帽间+全配套卫生间+休闲阳台组成，奢阔且大气。
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这一层还单独赠送了储藏室，可以用来放置家里大件物品，将孩子的自行车、妻子的滑雪板、自己的骑行设备跟钓鱼设备，都存放在这。
甚至连主卧衣帽间也精心设计，做出了足足约13㎡的独立衣帽间，理论上可容约380个20寸行李箱。要知道，以往同等户型多是步入式衣帽间，收纳空间窄小。
建发檀府非交付样板间实拍
看完你会发现，建发檀府对四代墅的设计改变，是跨时代的。
如此大的赠送面积+如此多的应用场景+如此美妙的“向往的生活”，试问谁会不喜欢呢？
上叠144㎡
平墅143㎡
平墅147㎡
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苏州建发檀府官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
建发檀府售楼处电话☎：400-8558-224
南地块别墅户型
未交付先服务
钻石理念+全新社群
建发檀府售楼处电话☎：400-8558-224
覆盖全周期，处处有回应~
从到服务中的动态响应，再到专属社群的打造，建发檀府用持续生长的服务力，在生活的每一个触点精准注入新的活力。
比如，在物业服务上，即便未交付，依然打造了九大奢享权益礼遇，涵盖7x24小时多重安保、快速响应机制、礼宾服务及节日关怀等服务（具体以实际服务为准）。
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建发檀府售楼处电话☎：400-8558-224✔✔✔【预约☎】
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与此同时，专门定制各大主题社群，不仅丰富了业主们的娱乐生活，也给整个社区带来更好的生活感受，这才是真正的生活运营商。
建发檀府售楼处电话☎：400-8558-224
建发檀府社群实景图
二、平墅产品升级要点
建面143-158㎡平墅单元融合大平层与别墅产品优势，北向露台进深优化至2.45米，配置L型观景露台系统。创新性增设侧向延展露台，配合18.9米全景宽厅设计，打造270度景观界面，实现超越传统大平层的别墅级居住体验。
建发檀府没有只靠超高使用率和四代墅居躺赢，而是对品质进行了升级，不仅在四代宅市场中少有竞品，更是现阶段改善类产品中的更优选。
面市一周年，从园林、立面，到车库、大堂，一步一步公开约9000㎡实景，每一步都超乎预期，每一个产品力相辅相成，引领未来改善人居。
建发檀府示范区实拍
建发檀府售楼处电话☎：400-8558-224
①品质“好建造”！精装归家大堂+高配精装车库，营造酒店式归家体验
当下的地库不再只是停车地方，更是生活的缓冲区。建发檀府拒绝同质化，以酒店式环形落客区+全精装地库入口，改变了枯燥单调的归家感，提升美感与实用性。
高颜值：引领未来建造风潮
出入口通道顶部采用铜钱纹铝板吊顶，配合内嵌线型灯带，仪式感直接拉满。沿着奢阔质感坡道，汽车下行，灯光一路跟随，高级又浪漫。
坡道两侧由仿石材板及不锈钢细节点缀，凸显设计感和立体感，顶部镶嵌家徽专属LOGO，形成归家崇高礼仪。
建发檀府示范区实拍
高精细度：奢贵用材造就恒定品质
风靡全网的劳斯莱斯星空顶，在建发檀府已经进化成了Pro版。
坡道玄关处，高阶色系的仿玉石岩板打造出整面背景墙，吊顶上的发光软膜以内透光的形式，营造出华丽、精致、艺术又不失柔和的奢华空间。
行车道采用仿透光云石吊顶，持久保新，搭配不锈钢结合亚克力发光天花，增加光线柔和度，让汽车从外部进入的时候，视线明暗上的切换变得更自然。
建发檀府示范区实拍
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甚至乎，门把手细节上也没有被忽视，以中式图纹为灵感，在暖色调上加入金属线条，配以现代奢华材质。墙面采用深浅对比岩板，集精工与艺术为一体，尽显传统文化底蕴内涵。
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建发檀府示范区实拍
高颗粒度：多维度考量每处细节
不仅精心配置车库人性化导视系统，还考虑到实际使用功能，采用高规格的环氧地坪，更显档次。
这些车道表面经过特殊橘皮工艺处理，具有良好的防滑性能和极佳的稳定性能，就算是在潮湿的环境中，都能有效防止滑倒事故发生，提高行车安全性。
建发檀府示范区实拍
车库入户大堂，也是超乎预期，做出了苏州罕见的地库玄关，天青色岩板背景墙、无主灯吊顶工艺、智能可视对讲……满屏高级生活格调。
同样容易忽略的电梯，檀府也进行了精心考量。墙面采用仿白洞石瓷砖，地面则是仿石材瓷砖大板，弧形不锈钢造型电梯门套，展现出细腻纹理和丰富质感，打造更舒适的乘梯体验。
在苏州，能做到这样配置的地下车库，相当少见，在整个板块内也少见如此大手笔的车库。
建发檀府示范区实拍
②内外皆“好建造”！内部禅境中式园林，外部虎丘湿地公园，焕新生活场景
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在内部园林景观上，建发檀府区别于过往，汲取苏州四大名园，规划了“一轴、两环、十三巷”布局，打造出完整全生态循环的园林生活场景。
一来，树树皆名木。仅一个示范区就选用了罗汉松、黑松、朴树等约6棵名贵主树+约18棵甄选冬青林，未来大区内还将全冠移植各类乔木，打造一座当代东方园林。
二来，突破传统围合式的中式园林。采用引水入园方式，设置了多重院落空间+巷道景观，巷门-水苑-私院的格局，整体分而不隔、层层嵌套。
建发檀府示范区实拍
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三来，呈现古朴与雅致融合为一的意韵。眼前的中式会客厅，相当于一个观景平台，水景、叠水、凉亭，辅以各类花木，框出一幅自然灵动的山水画。
坐在其中，品茶叙旧，听水流声，闻各类花香，在曲径通幽流水之间，构成惬意舒适的生活氛围。
建发檀府示范区实拍
建发檀府效果图
园林外部，则直面苏州约12.04平方公里虎丘湿地公园，前方无遮挡，尽享一线湖景，几乎是将公园搬到“家门口”，也是目前中环内距离湖景最近的别墅新盘，真正做到内外双园。
虎丘湿地公园是政府历时十余载投入数十亿元才改造成功，是目前苏州面积最大的湿地公园，是不可复制的生态瑰宝，未来沿线大概率不会再大开发。
站在这里，就能感受到超8000万负氧离子浸润，慢下来，洗涤心灵，重拾平静，感受最chill的生活氛围。
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建发檀府效果图
实景图，来源网络
凭借创新理念+禅境风格+品质实景，建发檀府斩获2024年米兰设计以及日本IDPA AWARD国际先锋设计双金奖。这是项目首次登上世界的舞台，接轨国际的一次重磅亮相！
建发檀府售楼处电话☎：400-8558-224
建发檀府正在用自身影响力，向全国乃至世界输出东方美学居住标准，向国际化舞台证明新中式墅区的魅力。
建发檀府示范区实拍
③甄选“好材料”，苏州首个三面铝板别墅，定制墅居美学灯塔
这一次，在外立面上，建发檀府冲破传统建筑框架，实现双创新！
一方面，形制创新，借鉴了虎丘湿地飞鸟造型，造出原创的“展翼飞檐”和有标签感的“画框感”外立面，让建筑整体显得挺拔、轻盈、有层次。
建发檀府效果图过程稿，非实际交付标准
另一方面，材质创新，三面加入了铝板，这是苏州叠墅的一大突破，再叠加宽幅玻面+鎏金画框，做到了高窗墙比，摩登而通透。
建发檀府示范区实拍
能明显发现，建发檀府这次在各类公区实景呈现上，强调标准也更懂人心，用立体级的产品力，实现四代墅品质的全新演绎。
建发檀府售楼处电话☎：400-8558-224
建发檀府售楼处电话☎：400-8558-224
项目采用原生天然石材与金属材质结合工艺，构建新中式建筑语汇。景观规划包含叠水景观带、曲径通幽步道系统及禅意庭院景观体系，塑造兼具隐逸气质与生活温度的人居环境。
湿地公园+稀贵墅区
比平层四代宅，更低密、更舒适！
开创四代墅全新生活标准！
众所周知，目前苏州市面上的四代宅多为高层，即便处于优质地段，依然无法享受低密生活、自然资源，始终存在遗憾。
而建发檀府的择址，就占据了“好标准”，不但位于城市新中心，而且拥有罕见的低密属性，与市场唯一的生态环境。
①一线湖景+虎丘湿地公园，一键park walk，随时开启“野趣栖居”
当下，越来越多的人对城市公园的热爱与日俱增，从city walk到park walk，公园20分钟效应的爆火，是都市人生活方式转变的趋向，亲近公园成为了快节奏生活的治愈良方。
由于城市资源的升级蜕变，放眼全苏州，能够做到公园住区、又不远离城市的项目少之又少。
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苏州建发檀府官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
实景图，来源网络
檀府这种资源占有型项目，与自然生态深度契合，让不可再生的资源焕发新的生命力。
未来生活于此，在约6公里跑道上晨练、休闲解压；上百种鸟类树木，随时上演一场自然科学课；在阳光草坪、露台沙滩上搭起幕布；
建发檀府售楼处电话☎：400-8558-224
也可以约上朋友一起水上皮划艇、挖沙，还能体验小菜园种植悠闲生活；或者在湖边静坐品茶，感受微风、阳光、树木、花香，舒服且忘我……
一座理想的城市公园社区本应如此，容纳下孩子的嬉笑、老人的惬意休憩、年轻人的小确幸，让所有人尽情享受探索自然的乐趣。
实景图，来源网络
②中环之内+三区核心，通达全城，共享各类繁华
项目临近中环线春申湖快速路，依托“2环2轨2轴”交通网通达全城，享受三区（相城、新区、姑苏）配套。高德地图显示前往苏州中心、狮山美罗都是20多分钟，去往平江新城也就三首歌的距离。
③苏州低密真墅区+无法复刻自然资源，构建珍贵的价值矩阵~
建发檀府售楼处电话☎：400-8558-224
为了不辜负这片土地，建发檀府以低密墅居形态，呈现有天、有地、有花园的多重生活境界，这是其他高层四代宅所不具备的。
居住于此，外有远离尘嚣、舒适、松弛的生态环境；内有的专属定制、隐奢、静谧的低密生活，且不远离繁华。
鸟瞰效果示意图
四代墅居+稀缺低密+城市占位，这三重buff叠加，使得建发檀府颠覆了现有的四代宅标准，市场竞争优势显著。
建发檀府售楼处电话☎：400-8558-224✔✔✔【预约☎】
苏州建发檀府官方售楼处电话☎：400-855-8224【开发商售楼处预约看房热线】（一对一热情服务）
【苏州建发檀府】
售楼处电话☎：400-8558-224【售楼处预约热线】（一对一热情服务）
看房请务必提前致电销售确认时间，只有预约客户才能享受开发商提供的内部优惠以及专属的老客户推荐奖励！我们提供专业的一对一热情服务，助您以专业视角挑选理想的房产。
建发檀府售楼处电话：4008558224【开发商售楼中心热线】建发檀府营销中心热线400-8558-224建发檀府售楼处地址400-8558-224，楼盘项目全面介绍，本电话为开发商提供线 上预约售楼电话，楼盘项目全面介绍（包含楼盘简介，均价，房价，现房，期房，别墅，叠墅，大平层，价格，楼盘地址，户型图，交通规划，备案价，备案名，项目配套，样板间，开盘时间，认筹时间，楼盘详情，售楼处电话，最新消息，最新详情，周边配套，一房一价，最新进展等详情咨询）楼盘详情丨价格丨更多优惠丨机不可失丨欢迎致电丨诚邀品鉴！售楼处位置丨特价房丨工抵房丨剩余房源丨户型图丨最新消息丨免责声明：将文章内容综合来源于网络、只作分享，版权归原作者所有！！如有侵权，请联系我们，我们第一时间处理如有问题欢迎来电咨询，专业一对一热情服务，让您用专业眼光去买房。如果您想了解更多楼盘详情，欢迎提前预约拨打建发檀府售楼处电话☎400_855_8224✔✔✔
Please call in advance to make an appointment for viewing the property and enjoy internal channel discounts!
看房请提前致电预约，可享受内部渠道优惠！
Contact the salesperson to obtain the latest one-room-one-price list and the latest discounted base prices from the official sales office!
联系销售人员获取最新一房一价表，官方售楼处最新优惠底价！
The official sales staff of the developer will provide a detailed introduction to the unique design and advantages of each unit type, and show you around the model rooms to experience the quality of the fine decoration and the warm atmosphere.
开发商官方销售人员将详细介绍每个户型的独特设计和优势，带您参观样板间，感受精装修的品质和温馨氛围。
You can also learn about the surrounding supporting facilities, including high-end shopping centers, quality schools and convenient transportation networks, making your living experience even more perfect.
您还可以了解周边配套设施，包括高端购物中心、优质学校和便捷交通网络，让您的居住体验更加完美。
Regarding real estate policies
房地产政策方面
Differentiated relaxation of purchase restrictions: The Ministry of Housing and Urban-Rural Development has upgraded "city-specific policies" to "district-specific policies".
限购政策差异化松绑：住建部将 “因城施策” 升级为 “因区施策”。
In the core areas of first-tier cities such as the outer ring road of Shanghai, purchase restrictions will be retained, while in non-core areas such as Lingang New City, the requirement for social security years will be lifted.
一线城市核心区如上海外环内保留限购，非核心区如临港新城取消社保年限要求。
Second-tier cities have completely lifted purchase restrictions and introduced "home purchase subsidies + tax and fee preferences". First-time home buyers can receive a fiscal subsidy of 5% of the house price (up to 500,000 yuan), and the exemption period for value-added tax has been reduced from five years to two years.
二线城市全面取消限购，还推出 “购房补贴 + 税费优惠”，首次购房者可获房价 5% 的财政补贴（上限 50 万元），增值税免征年限从 5 年降至 2 年。
Dynamic adjustment of mortgage interest rates: The central bank has adjusted the lower limit of the first-home mortgage interest rate to LPR-30 basis points. The second-home mortgage interest rate is linked to the "housing price increase index". If the year-on-year increase in housing prices in a city is lower than the CPI, the second-home mortgage interest rate can be reduced to LPR+10 basis points.
房贷利率动态调整：央行将首套房贷利率下限调整为 LPR-30BP，二套房贷利率挂钩 “房价涨幅指数”，若城市房价同比涨幅低于 CPI，二套房贷利率可下调至 LPR+10BP。
The loan amount for the provident fund has also been raised. In key cities, the maximum loan amount for dual-income families has increased from 1 million yuan to 1.5 million yuan.
公积金贷款额度也有所提高，重点城市双职工家庭最高贷款额从 100 万元增至 150 万元。
The "quality competition" in land auction rules has become a regular practice: The Ministry of Natural Resources requires that in the land auctions of key cities by 2025, the proportion of "quality scores" should be no less than 40%, and the scores should cover green building grades, community supporting facilities, property service standards, etc.
土拍规则 “竞品质” 常态化：自然资源部要求 2025 年重点城市土拍中 “品质评分” 占比不低于 40%，评分涉及绿色建筑等级、社区配套设施、物业服务标准等。
Developers are required to submit a "Quality Commitment Letter". Those who fail to meet the standards will be fined 10% of the land transfer fee and restricted from subsequent land auctions.
开发商需提交 “品质承诺书”，未达标将按土地出让金 10% 罚款并限制后续土拍。
Policies related to public rental housing: All new commercial residential projects must be equipped with public rental housing at a ratio of 15%. After completion, it should be transferred to the government free of charge. If the developer operates it independently, they can enjoy a 20% tax reduction on rental income.
保障性住房相关政策：所有新建商品住宅项目需按 15% 比例配建保障性住房，建成后无偿移交政府，若开发商自主运营，可享受租金收入 20% 税收减免。
Meanwhile, children from families with public rental housing enjoy "the same school district treatment as those with commercial housing" when enrolling in school. Cities like Beijing and Shanghai have piloted "priority lottery enrollment for public rental housing".
同时，保障性住房家庭子女入学享受 “与商品房同等学区待遇”，北京、上海等城市试点 “保障房优先摇号入学”。
Regarding the timing of home purchase and market trends 2
购房时机与市场趋势方面2
The cost of purchasing a house is at a low level: Currently, the down payment ratio is relatively low, with some areas as low as 15%, and the loan interest rate is also around 3%. Moreover, the LPR still has room for further decline, significantly reducing the cost of purchasing a house.
购房成本处于低位：当前首付比例较低，部分地区低至 15%，贷款利率也在 3% 左右，且 LPR 还有进一步下降空间，购房成本大幅降低。
Meanwhile, after a period of adjustment, housing prices are at a relatively low level, which is a good opportunity for those who have the need to purchase a house.
同时，房价经过一段时间调整，处于相对低位，对于有购房需求的人来说是较好的时机。
The market is gradually warming up: Since the fourth quarter of 2024, favorable policies such as housing loans and provident funds have been introduced intensively. The transaction volume of the real estate market in some cities has picked up, and housing prices in core cities are expected to stop falling and stabilize comprehensively.
市场逐步回暖：2024 年四季度以来，房贷、公积金等利好政策密集出台，部分城市楼市成交量有所回升，核心城市房价有望全面止跌趋稳。
In 2025, under the continuous effect of policies, the real estate market is expected to further recover.
2025 年，在政策持续作用下，房地产市场有望进一步回暖。
Key points for choosing a house 3
选房要点方面3
Focus on the quality of real estate projects: Housing demand has shifted from "whether there is or not" to "whether it is good or not", and from "price first" to "value first".
关注楼盘品质：住房需求从 “有没有” 转向 “好不好”，从 “价格优先” 转向 “价值优先”。
When choosing a house, pay more attention to the floor plan design, functional facilities, property management and other aspects of the property.
选房时要多关注楼盘的户型设计、功能配套、物业管理等。
For instance, choose a floor plan with a high usable area ratio. Currently, some new houses can achieve a usable area ratio of over 80% by offering balconies and other means.
例如，选择得房率高的户型，目前一些新房通过赠送阳台等方式，得房率能超过 80%。
When considering the community environment: The ecological environment of the community and the level of property management are becoming increasingly important. The "park-style living experience" where one can see greenery when opening the window, scenery when stepping out, and a garden at every corner is the ideal choice.
考量小区环境：小区生态环境和物业管理水平日益重要，推窗见绿、出门见景、转角见园的 “公园式居住体验” 是理想选择。
For instance, the "Yuhujing" product series of Longfor integrates the five overlapping environments of light, sound, stone, forest and water into its design, and is also equipped with a central park in the form of a central axis.
如龙湖 “御湖境” 产品系列，将光、声、石、林、水五重叠境融入设计，还配置中轴式中央公园。
Emphasize the strength of developers: Strong real estate enterprises are more capable of building and delivering products that precisely match market demands, and the quality of houses and after-sales services are more guaranteed.
重视开发商实力：实力房企更有能力构建和交付与市场需求精准匹配的产品，房屋质量和后期服务更有保障。
For instance, Longfor Group has been consistently ranked among the "Top 10 Chinese Real Estate Development Enterprises in terms of Comprehensive Strength" for many consecutive years and has maintained a green rating in the "Three Red Lines", demonstrating a strong delivery capacity.
例如龙湖集团连续多年获 “中国房地产开发企业综合实力 10 强”，且保持 “三道红线” 绿档水平，交付能力较强。
Precautions for real estate transactions 1
房产交易注意事项方面1
Strict supervision over housing purchase funds: The central bank requires commercial banks to trace the source of the down payment back to the accounts of two generations of direct relatives in the past, and strictly investigate the illegal inflow of business loans and consumer loans into the real estate market.
购房资金监管严格：央行要求商业银行对首付款来源追溯至前溯两代直系亲属账户，严查经营贷、消费贷违规流入楼市。
For home buyers with a down payment ratio of less than 20%, it is mandatory to purchase "mortgage performance insurance", with a premium of 0.5% of the loan amount.
对首付比例低于 20% 的购房者，强制购买 “房贷履约保险”，保费为贷款额 0.5%。
The "trade-in for new" program is supported by policies: The Ministry of Housing and Urban-Rural Development, in collaboration with multiple departments, has launched a nationwide campaign to exchange second-hand houses for new ones. Those who exchange houses can enjoy a 50% reduction in deed tax and a 2% subsidy for agency fees.
“以旧换新” 有政策支持：住建部联合多部门推出 “二手房置换新房” 全国性行动，换房者可享受契税减免（50%）+ 中介费补贴（2%）。
Local governments also offer a subsidy of 10,000 yuan per unit to developers who purchase old houses, accelerating the circulation of existing houses. Those who need to exchange houses can pay attention to this policy.
地方政府还对收购旧房的开发商给予每套 1 万元补贴，加速存量房流通，有换房需求的可以关注此政策。
The impact of real estate policies on home buyers in 2025 presents multi-dimensional and differentiated characteristics. Specifically, it can be deeply analyzed from the following six aspects:
2025 年房地产政策对购房者的影响呈现多维度、差异化特征，具体可从以下六大方面深入解析：
First, the threshold for home purchase has been lowered by stratification, and regional selection strategies have differentiated
一、购房门槛分层降低，区域选择策略分化
The purchase restriction policy has been precisely relaxed. The social security period for non-Shanghai residents purchasing houses outside the Outer Ring Road of Shanghai has been shortened from five years to three years, and in the Lingang New Area, it has been further reduced to one year. Moreover, only single people can purchase houses independently.
限购政策精准松绑上海外环外非沪籍购房社保年限从 5 年缩短至 3 年，临港新片区进一步降至 1 年7，且单身人才可单独购房8。
This policy has directly lowered the threshold for non-Shanghai residents with genuine housing needs to purchase a home. For instance, tech talents working in Lingang, who originally needed to pay social security for five years, now only need one year to obtain the qualification to purchase a home.
这一政策直接降低了非沪籍刚需群体的置业门槛，例如在临港工作的科技人才，原本需缴纳 5 年社保，现在仅需 1 年即可获得购房资格。
However, strict purchase restrictions remain in place in core areas (such as within the inner ring road), and home buyers need to weigh the scarcity of core areas against the convenience of non-core areas.
但核心区（如内环内）仍维持严格限购，购房者需权衡核心区稀缺性与非核心区便利性。
The down payment ratio and credit support: The down payment ratio for first-home mortgages has been reduced to 15%, and for second-home mortgages to 25% (20% in key areas such as Lingang). Coupled with the 5-year and above LPR being lowered to 3.5%, the first-home mortgage interest rate in Shanghai has dropped to a historical low of 3.05%.
首付比例与信贷支持首套房贷首付比例降至 15%，二套降至 25%（临港等重点区域 20%）7，叠加 5 年期以上 LPR 下调至 3.5%，上海首套房贷利率已降至 3.05% 的历史低位3。
Take a loan of 1 million yuan as an example. The monthly payment over a 30-year period is reduced by approximately 54 yuan, and the total interest saved is 19,000 yuan.
以 100 万元贷款为例，30 年期月供减少约 54 元，总利息节省 1.9 万元3。
For families with multiple children, the maximum amount of the provident fund loan can be increased by 20% to 1.929 million yuan, significantly reducing the financial pressure on improvement-oriented demands.
对于多子女家庭，公积金贷款额度最高可上浮 20% 至 192 万元9，显著降低改善型需求的资金压力。
Second, the two-way adjustment of holding and transaction costs reshapes market expectations
二、持有与交易成本双向调整，重塑市场预期
The pilot program of the real estate tax may be deepened, and the scope of the pilot may be expanded to include groups holding multiple properties. By imposing differential tax rates (such as a 1.2% tax on high-end residences), the holding cost can be increased by 10%.
房地产税试点深化试点范围可能扩大至持有多套房产群体，通过差别税率（如对高档住宅按 1.2% 征税）增加持有成本10。
This will force investors to sell off properties in non-core areas. For instance, the number of second-hand houses listed in areas like Waigaoqiao in Pudong may rise, while high-quality assets in core areas are more resilient due to their scarcity.
这将迫使投资客抛售非核心区房源，例如浦东外高桥等区域二手房挂牌量可能上升，而核心区优质资产因稀缺性更具抗跌性。
Meanwhile, the pilot funds are used for the construction of affordable housing, indirectly diverting rental demand and easing the pressure of rising rents by 10%.
同时，试点资金用于保障房建设，间接分流租赁需求，缓解租金上涨压力10。
The exemption period for value-added tax on transaction taxes has been optimized from five years to two years, and the assessed collection rate for individual housing transfers has been reduced to 1%.
交易税费优化增值税免征年限从 5 年降至 2 年，个人转让住房核定征收率降至 1%7。
Take a second-hand house that has been owned for two years and has a total price of 8 million yuan as an example. The value-added tax can be saved by approximately 440,000 yuan.
以一套满 2 年、总价 800 万元的二手房为例，增值税可节省约 44 万元。
Furthermore, the "trade-in for new" policy offers a 50% reduction in deed tax and a 2% subsidy for agency fees, significantly reducing the trade-in cost.
此外，“以旧换新” 政策提供契税减免 50% 和中介费补贴 2%9，显著降低置换成本。
For instance, those who are upgrading their houses in the Qibao area of Minhang can save approximately 120,000 yuan in taxes and fees by selling their old houses and then purchasing new ones.
例如，闵行七宝板块换房者通过出售旧房再购新房，可节省税费约 12 万元。
Third, the dual-track development of affordable housing and commercial housing is squeezing the "old, dilapidated and small" market
三、保障房与商品房双轨并行，挤压 “老破小” 市场
The proportion of construction and quality improvement: New commercial housing must be equipped with public rental housing at a ratio of 15%, and it is required to be delivered fully furnished.
配建比例提升与品质升级新建商品房需按 15% 比例配建保障房，且要求全装修交付6。
For instance, the affordable housing built in a certain project along the Xuhui Riverside adopts green building standards and shares community facilities with commercial housing. This might divert some of the first-time home buyers and further put pressure on the prices of the surrounding "old, dilapidated and small" buildings.
例如，徐汇滨江某项目配建的保障房采用绿色建筑标准，与商品房共享社区配套，这可能分流部分刚需客群，导致周边 “老破小” 价格进一步承压。
At the same time, children from families with affordable housing enjoy the same school district treatment, which may weaken the premium space of traditional school district housing.
同时，保障房家庭子女享受同等学区待遇6，可能削弱传统学区房的溢价空间。
The diversion effect in the rental market is intensifying. In 2024, Shanghai will add 16,000 units of public rental housing, with rents 20% to 30% lower than those of commercial housing in the same area.
租赁市场分流效应加剧2024 年上海新增 1.6 万套保租房，租金较同地段商品房低 20%-30%5。
For instance, in Zhangjiang area, due to the increased supply of public rental housing, the proportion of tenants moving out has risen, forcing landlords to lower their prices or upgrade their facilities.
例如，张江地区租客因保租房供应增加，退租比例上升，倒逼房东降价或升级硬件。
This has led to a 15% to 20% drop in rents for "old, dilapidated and small" properties in the old urban area. Some investors have turned to selling their properties, further intensifying the differentiation in the second-hand housing market.
这导致老城区 “老破小” 租金下跌 15%-20%，部分投资者转向出售房源，进一步加剧二手房市场分化。
Iv. Regional development policies Reconstruct the value system of home purchase
四、区域发展政策重构购房价值体系
The five new towns are accelerating the realization of the goal. New towns such as Jiading and Qingpu are gradually achieving a balance between work and residence through the introduction of industries (such as Jiading United Imaging Medical and Qingpu Oriental Life Port) and the upgrading of transportation (such as Jiamin Line).
五大新城加速兑现嘉定、青浦等新城通过产业导入（如嘉定联影医疗、青浦东方生命港）和交通升级（如嘉闵线），逐步实现职住平衡12。
By 2025, 26 new primary and secondary schools and kindergartens will be added in the new town, and the construction of Grade-A tertiary hospitals will be accelerated, attracting first-time home buyers.
2025 年新城新增中小学、幼儿园 26 所，三甲医院建设加速12，吸引刚需购房者。
For instance, the average price of new houses in Jiading New Town is approximately 45,000 yuan per square meter, with a total starting price of 2 million yuan, making it the main choice for young families.
例如，嘉定新城新房均价约 4.5 万元 / 平方米，总价 200 万起，成为年轻家庭的主要选择1。
The premium for urban renewal in the core area and the renovation of "two old and one village" have released high-quality land plots. For instance, the floor price of the Xuhui Longhua plot has reached 126,000 yuan per square meter, and the unit price of new houses in the future may exceed 200,000 yuan per square meter.
核心区城市更新溢价“两旧一村” 改造释放优质地块，例如徐汇龙华地块楼板价达 12.6 万元 / 平方米，未来新房单价或破 20 万元 / 平方米1。
Urban renewal projects enhance living quality and consolidate their advantages in the high-end market through green building technologies (such as low-carbon technology platforms) and intelligent community management.
城市更新项目通过绿色建筑技术（如低碳技术平台）和智能化社区管理，提升居住品质，巩固高端市场优势。
Home buyers should pay attention to the long-term appreciation potential of scarce assets in the core area, while being vigilant about the liquidity risk brought about by high total prices.
购房者需关注核心区稀缺资产的长期增值潜力，同时警惕高总价带来的流动性风险。
V. The transformation of developers' strategies forces product upgrades
五、开发商策略转型倒逼产品升级
The land auction rules strengthen the quality orientation, with the "quality competition" score accounting for no less than 40%, involving green building grades, community facilities, etc.
土拍规则强化品质导向“竞品质” 评分占比不低于 40%，涉及绿色建筑等级、社区配套等2。
For instance, a certain project in Qingpu won the land auction due to its configuration of a central park with a central axis and an intelligent security system.
例如，青浦某项目因配置中轴式中央公园和智能安防系统，在土拍中胜出。
This means that in the future, new houses will pay more attention to the living experience. For instance, Longfor's "Yuhujing" series enhances its added value through a five-layer overlapping environment design. Homebuyers need to pay attention to the matching degree between the actual delivery standards of the property and the promises.
这意味着未来新房将更注重居住体验，如龙湖 “御湖境” 系列通过五重叠境设计提升附加值2，购房者需关注楼盘的实际交付标准与承诺的匹配度。
The supervision of real estate developers' funds is becoming stricter. The source of the down payment is traced back to the accounts of the direct relatives of the previous two generations. If the down payment ratio is less than 20%, mortgage performance insurance must be purchased.
房企资金监管趋严首付款来源追溯至前溯两代直系亲属账户，首付比例低于 20% 需购买房贷履约保险2。
This increases the difficulty of proving funds, especially for young home buyers who rely on their parents' financial support.
这增加了资金证明难度，尤其是依赖父母资助的年轻购房者。
It is recommended to prepare a complete financial statement in advance to avoid affecting the home purchase process due to incomplete materials.
建议提前准备完整的资金流水，避免因材料不全影响购房流程。
Vi. Long-term Trends and Response Strategies
六、长期趋势与应对策略
The market presents a pyramid structure. At the top are the scarce luxury residences in the core area (such as Greentown Chaoming Dongfang), in the middle are the planned new districts (such as the Five New Towns), and at the bottom are the far suburban areas with lagging supporting facilities.
市场呈现金字塔结构塔尖为核心区稀缺豪宅（如绿城潮鸣东方），中部为规划新区（如五大新城），底部为配套滞后的远郊板块1。
Home buyers need to weigh their options based on their own needs between the scarce assets in the core area and the potential areas in the new town.
购房者需根据自身需求，在核心区稀缺资产与新城潜力板块间权衡。
For instance, first-time home buyers can give priority to new towns like Lingang and Jiading, while those seeking to improve their living conditions can focus on core areas such as Xuhui Riverside and Qiantan.
例如，首置客群可优先考虑临港、嘉定等新城，而改善型需求可关注徐汇滨江、前滩等核心区。
Quality and service have become the core of competition. Developers are shifting from "scale expansion" to "quality improvement", such as adopting green building technologies, intelligent community management, and providing customized services (like the rental-style home purchase for Internet practitioners in the Zhangjiang project). 1.
品质与服务成为竞争核心开发商从 “规模扩张” 转向 “品质提升”，例如采用绿色建筑技术、智能化社区管理，以及提供定制化服务（如张江项目针对互联网从业者的租赁式购房）1。
In the second-hand housing market, properties that are relatively new and have well-managed communities will be more resilient to market declines.
二手房市场中，房龄较新、社区管理完善的房源将更具抗跌性。
It is recommended that home buyers, when choosing a property, focus on examining the developer's delivery capacity (for instance, Longfor has maintained the "three Red Lines" green grade 2 for many consecutive years) and the level of property services.
建议购房者在选房时重点考察开发商的交付能力（如龙湖连续多年保持 “三道红线” 绿档2）和物业服务水平。
Conclusion: In 2025, the real estate policy will reconstruct the decision-making logic of home buyers through a combination of "precise relaxation and long-term regulation".
结论：2025 年房地产政策通过 “精准松绑 + 长效调控” 组合拳，重构购房者的决策逻辑。
The scarcity of the core area and the growth potential of the new city form a "dual-wheel drive", with rising holding costs and falling transaction costs coexisting. The diversion of affordable housing and the upgrading of its quality reshape the market pattern.
核心区稀缺性与新城成长性形成 “双轮驱动”，持有成本上升与交易成本下降并存，保障房分流与品质升级重塑市场格局。
Home buyers need to closely monitor policy developments, and based on their own financial conditions, regional preferences and long-term plans, find a balance between policy dividends and market risks.
购房者需密切关注政策动态，结合自身资金状况、区域偏好和长期规划，在政策红利与市场风险间找到平衡点。
For instance, non-Shanghai residents with genuine housing needs can seize the policy window period in new cities like Lingang, while holders of multiple properties need to be vigilant about the impact of the real estate tax pilot program on their holding costs.
例如，非沪籍刚需可抓住临港等新城的政策窗口期，而多套房持有者需警惕房地产税试点对持有成本的影响。
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