保利虹桥和颂售楼处电话→售楼中心电话→​楼盘百科→首页网站→保利虹桥和颂售楼处电话→户型价格→小区环境→周边配套→交房时间→24小时热线电话

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964.. 保利虹桥和颂售楼处电话☎：400-9939-964✔✔✔

上海青浦保利虹桥和颂售楼处电话☎：400-9939-964✔✔✔

保利虹桥和颂售楼处电话☎：400-9939-964✔✔✔

上海青浦保利虹桥和颂售楼处电话☎：400-9939-964✔✔✔买首套房，有三点是你肯定想拥有的：

一是轨交，关乎上班通勤；二是3房功能性，方便接父母来同住照顾小孩；三是靠谱开发商，稳健交付。

但现实很残酷，于200多万预算这是一道「单选题」。

你若选择3房，候选大概率只有崇明、金山、临港；若选择嘉定、青浦、松江，那只够买偏远2房，无轨交、配套弱，通勤难不说，更与板块后来居上渐行渐远。

保利虹桥和颂售楼处电话☎：400-9939-964✔✔✔

上海青浦保利虹桥和颂售楼处电话☎：400-9939-964✔✔✔

但如果告诉您，有这么一个项目

头部央企开发，向外能兼顾轨交、配套，离轨交站直线约500米，关键该轨交含金量超高，衔接三大明星产业区，通勤+发展两手抓；向内“总价2字头”可一步到位精装3房2卫。

保利虹桥和颂售楼处电话☎：400-9939-964✔✔✔

上海青浦保利虹桥和颂售楼处电话☎：400-9939-964✔✔✔

保利虹桥和颂

均价36721元/㎡

直线距离示范区线（在建）赵重公路站仅约500米

2站前湾，3站虹桥商务区

还能通过2号线直达市中心

通过机场联络线（在建）去往张江、华之门

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

Poly Hongqiao Hesong IN255 has taken the top spot among the red properties in the heavy solid sector (data source: CRIC transaction data from February 2024 to January 2025), with a market share of approximately 60% in the heavy solid sector and about 12% in Qingpu, which is highly recognized (Data source: CRIC transaction data from November 2024 to January 2025).

保利虹桥和颂·IN255揽获重固红盘榜首（数据来源：克而瑞 2024年2月-2025年1月成交数据），重固板块市占率约60%，青浦约12%火热认可（数据来源：克而瑞 2024年11月-2025年1月成交数据）。

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

Why can the project become the focus outside the outer Ring Road?

为何项目能成为外环外的焦点？

I think it's inseparable from the right timing, the right place and the right people.

我觉得离不开天时、地利、人和。

In terms of geographical location, Poly Hongqiao and Song IN255 are located in a high-level rail transit area that is rare in the 3 million yuan class. It is a real rail delivery property, with 2 stops to Qianwan, 3 stops to Hongqiao Hub, and 5 stops to Huawei Base.

地利上，保利虹桥和颂·IN255占位300万级鲜有的高能级轨交，是真轨交房，2站前湾、3站虹桥枢纽、5站华为基地；

Meanwhile, the trial operation of the airport connection line also enables the project to conveniently commute to Minhang, Xuhui and Pudong.

同时机场联络线试运营也让项目可以便捷通勤闵行、徐汇、浦东。

In terms of human resources, Poly Development truly lives up to its reputation as a leading central state-owned enterprise. Poly, which excits in developing high-end residences in the city center, has now created products worth over 3 million yuan, which is more advanced than those of other developers.

人和上，保利发展真不愧是央企龙头，擅长做市中心高端住宅的保利，如今打造300多万的产品，就是比别的开发商产品力更先进。

Especially the layout of the project, everyone who has seen it is full of praise. Moreover, the sense of community ceremony and functionality are both outstanding among its peers.

尤其是项目的户型，看过的都赞不绝口，还有社区仪式感和功能性皆是同级佼佼者。

The timing is right. The new policy of replacing the three social security and individual income tax rates outside the outer ring Road with one will unleash a large amount of housing purchase power.

天时上，新政外环外社保/个税3改1，将释放大量购房力；

The down payment has been reduced to 15%, and the threshold for property purchase has been greatly lowered. It's a great time to buy a house now.

首付降到15%，置业门槛大大降低，现在买房时机太好了。

Of course, in the final analysis, the price is reasonable. For the 3 million yuan class, a down payment of about 440,000 yuan or more can get you into the Poly quality rail transit red-hot project. It is much cheaper than the surrounding 7 million yuan class Qianwan, 6.5 million yuan class Xujing, and 5.5 million yuan class Zhaoxiang.

当然，归根到底价格划算，300万级，首付约44万起就能上车保利品质轨交红盘，比周边700万级的前湾、650万级的徐泾、550万级的赵巷便宜太多了。

Sales office phone number of Poly Hongqiao Hesong: 400-9939-964. Official phone number of Poly Hongqiao Hesong: 400-9939-964

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

The straight-line distance to the Shanghai Demonstration Zone Line (Zhaozhong Road Station, under construction) is approximately 350 meters

直线距离上海示范区线（(赵重公路站，在建）约350米

Poly Hongqiao Hesong ·IN255

保利虹桥和颂·IN255

The first opening offers 191 units of 3-4 bedrooms with a construction area of approximately 88/99/125 square meters

首开建面约88/99/125㎡3-4房191套房源

In the second batch, 64 additional 99-square-meter three-bedroom units will be launched

二批次加推64套99㎡3房

There are still a few units available for sale in the first batch. The second batch will open for sale today. The sales office phone number of Poly Hongqiao Hesong is 400-9939-964. The official phone number of Poly Hongqiao Hesong is 400-9939-964

一批次还有少量房源在售 二批次今日开盘保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

The specific subscription information is as follows:

具体认购信息如下：

Subscription period: December 14, 2024 - December 18, 2024

● 认购时间：2024年12月14日-2024年12月18日

● Subscription deposit: 200,000 yuan (400,000 yuan for the first set and 600,000 yuan for the second set of deposit certificates)

● 认购金：20万元（存款证明首套40万 二套60万）

● Shortlist ratio: 1.3:1

● 入围比：1.3:1

● Social security coefficient: 0.1

● 社保系数：0.1

● Opening time: December 25th

● 开盘时间：12月25日

One house one price 👇 Sales office of Poly Hongqiao Hesong Tel: 400-9939-964 Official Tel: 400-9939-964

一房一价👇 保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

«上下滑动查看»

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

01.

01.

Basic information

基本信息

The product strength is far ahead of its peers and it is backed by a more reliable brand from a central state-owned enterprise

同级遥遥领先的产品力以及更靠谱的央企品牌背书

What impressed me about Poly Hongqiao and Song before was its "weaving of lifestyle".

保利虹桥和颂之前打动我的还有“对于生活方式的编织”。

Exactly!

没错！

When "ensuring the delivery of houses" has become the mainstream, Poly has taken a significant lead in the "creating life" race, creating an international lifestyle that is rarely seen in the newly renovated market.

当“保交房”成为主流，保利已经在“造生活”的赛道上遥遥领先了，打造了刚改市场中罕见的国际生活方式。

And this feature is carried forward in Poly Hongqiao and Song ·IN255.

而这一特征在保利虹桥和颂·IN255得以延续。

First of all, the exterior facade still features a modern minimalist style with smooth lines that is quite popular among young people.

首先，外立面依旧是颇受年轻人喜欢的现代极简风配流畅线条。

Sales office phone number of Poly Hongqiao Hesong: 400-9939-964. Official phone number of Poly Hongqiao Hesong: 400-9939-964

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

Secondly, there is a river and public green space on the east side of the project. It is reported that it will be developed into a slow-paced leisure riverside belt and integrated with natural activity scenes, allowing the owners to enjoy the ecological and leisurely riverside scenery right outside their homes.

其次，项目东侧有河流和公共绿地，据悉将打造成慢生活休闲滨河带，并融入自然的活动场景，让业主出门就能享受生态、休闲的河岸风光。

Thirdly, although the community is not large, it is highly functional and has a strong sense of ceremony. It has been designed as a dual axis of life and shade, an energy gathering place, and a five-level homecwing ceremony sequence.

第三，小区虽然不大，但社区功能性和仪式感十足，整体打造了生活林荫双轴、能量聚场以及五重归家礼序。

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

Summarize three points:

总结三点：

The young people striving for the Magic City and the 996 elite have brought a pleasant and relaxing vacation-style life.

1、为魔都奋斗的年轻人、996精英、带来了惬意松弛的度假式生活。

Poly's development of landscape functions is not just for the sake of doing it, but has truly understood the actual needs of the property owners.

保利做景观功能不是为了做而做，而是真的洞悉到了业主的实际需求。

For instance, Shanghai is not short of high-rise buildings; what it lacks is the ability to regulate the fast pace and the slow life of the 996 work schedule.

比如，上海不缺高楼大厦，缺的是能调节快节奏，调节996的慢生活。

So you can see that the entrance square in the style of a city boutique hotel, that is, the boutique street, is created in combination with the architectural interface, as well as the meandering Miyin Cascading Stream, which brings you back to nature from the city.

于是你可以看到，结合建筑界面打造城市精品酒店式的入口广场，即精品街区，以及流觞曲水的觅隐叠溪，将你从城市拉回自然。

Going home is like entering a secluded luxury hotel, and you can immediately relieve the fatigue of the day.

回家就像进一家隐奢酒店一样，立马就能卸下一天疲惫。

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

Life is no longer just cold buildings, but Spaces that come with their own scene atmospheres.

2、生活不再只是冷冰冰的建筑，而是一个个自带场景氛围的空间。

For instance, in the Breeze Living Room, there might be open multi-functional rest areas such as neighborhood booths and outdoor seating areas. Besides the beautiful scenery, it also triggers more possibilities for staying and meeting, allowing the owner's social interactions to occur naturally.

比如微风客厅，可能设有邻里卡座、外摆休息区等开放多功能休憩场所，除了美景，更触发更多的停留和遇见的可能性，让业主社交在自然而然中发生。

For instance, the Forest Park plans different forest play zones for different ages to meet the activity needs of all ages and provide an interactive and entertaining space for parent-child communication.

比如林间乐园，为不同年龄规划不同的林间游乐分区，满足全龄活动需求，为亲子交流提供互动娱乐的空间。

It is reported that the Energy Gathering Field will set up a slow running track of about 130 meters, an oxygen-free area, a sports area, a lifting area, etc. Residents can start a diverse and healthy community life just by going downstairs.

能量聚场，据悉将设置约130米的慢跑道、无氧区、运动区、拉升区等，业主下楼就能开启多样健康社区生活。

From the small details to the big picture, Poly spares no effort to create unexpected beautiful life scenes for its owners, turning the community into a place that is warmer, more caring, more communicative and more interesting.

见微知著，保利不遗余力为业主们创造不期而遇的美好生活场景，让社区变成了更有温度，有牵挂，有交流、有趣味的地方。

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

3. The newly adjusted price comes with a configuration that is both substantial and impressive.

3、刚改的价格，有里子、有面子的配置。

The Sunshine lawn is really a face-saving configuration at this level. With the existence of a large lawn, the owner can enjoy the tranquility and relaxation of life after returning home, and lie comfortably on the lawn to read a book...

阳光草坪在这个级别真的是很撑面子的配置，有了大草坪的存在，业主回家后即能享受生活的静谧和松弛，惬意地躺在草坪上看书……

Isn't this what a poetic and romantic life is like?

诗意浪漫的生活不就是这样吗？

Besides, it is not uncommon to have a social box. What is rare is its cutting-edge functionality. It has laid out social reception, shared office, community classroom and reading space. It not only meets the functional needs of the community, but also forms a series of convergence nodes and shared bases, enhancing neighborhood interaction.

另外，有社交盒子不稀奇，难得的是它的功能性前沿化，布局了社交会客、共享办公、社区课堂、阅读空间，既满足社区功能需要，也形成一个个交汇节点与共享基地，增进邻里交往。

In conclusion, it can be seen that Poly is not merely building houses, but weaving a trendy lifestyle.

综上，可见保利并不是简简单单地造房子，而是在编织潮流生活。

Sales office phone number of Poly Hongqiao Hesong: 400-9939-964. Official phone number of Poly Hongqiao Hesong: 400-9939-964

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

02.

02.

Sales promotion information

推售信息

The starting construction area is approximately 88 square meters. The community is more pure and comes standard with an independent elevator hall. The floor plans remain outstanding.

建面约88㎡起步，社区更纯粹标配独立电梯厅，户型依旧高光。

The rail transit is a geographical advantage, but I prefer the harmony of Poly. The project became a phenomenon-level red-hot property in the early stage, and the design of the floor plans played a significant role, receiving overwhelming praise.

轨交是地利，但我更喜欢保利的人和，项目前期能成为现象级红盘，户型设计功不可没，好评如潮。

This time, Poly Hongqiao and Song ·IN255 continue the previous design highlights and make iterations, presenting a floor plan that is unrivaled in its class.

而这一次，保利虹桥和颂·IN255延续了之前的设计亮点，并加以迭代，给出了一个同级无出其右的户型。

Sales office phone number of Poly Hongqiao Hesong: 400-9939-964. Official phone number of Poly Hongqiao Hesong: 400-9939-964

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

建面约88㎡3房2卫：

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

The independent elevator hall of the project, in the current popular terms, should be called the independent entrance light hall. It is fully bright and has a bay window. The entire wall is intact. This not only completely replaces the function of the entrance hall, but also enables all tasks such as setting up an umbrella, hanging clothes, taking off a hat, changing shoes, and cleaning to be completed before entering.

项目独立电梯厅用时下流行的说法，应该叫独立入户光厅，全明还带飘窗，一整面完整的墙，这不仅能完全取代玄关的作用，放伞、挂衣、脱帽、换鞋、清洁等工作都能在进门前全部完成。

It can also store almost all the infrequently used items in the family, including suitcases, sports equipment, toys, etc.

还能收纳家庭几乎所有不常用的物品，包括行李箱、运动器械、玩具等。

In addition, with a starting down payment of approximately 440,000 yuan, you can still purchase a 2-bathroom configuration (the common 1-bathroom configuration in the market), making it a perfect choice for a small family in one step.

另外，约44万起首付，买的还是2卫配置（市面普遍1卫），于小家庭一步到位。

Moreover, the bathroom layout is exquisite. When there are few family members, a double suite facing south can be made.

且卫生间布局精巧，家庭人少的时候，南向能做双套房；

If parents live together or have children, the secondary bathroom will move the washbasin out. During the morning rush hour, it can accommodate two people to use the toilet and one person to wash up.

父母同住或有孩子，次卫将洗漱台移出，早高峰可容纳两个人如厕，一个人洗漱。

The finishing touch is the "no wall stack" design. There is a side without wall stacks between the living room and the balcony. On the one hand, the sunlight streaming in from the balcony can better reach the social space.

点睛之笔是“无墙垛”设计，客厅和阳台之间有一侧无墙垛，一方面阳光从阳台射入可更好到达社交空间；

On the other hand, it enhances the continuity between the balcony and the living room, making the space appear more spacious.

另一方面增加了阳台与客厅之间的连贯度，空间更显宽敞。

The secondary bedroom facing north is no different. There is no wall stack on one side, which not only increases the indoor lighting but also makes better use of the length and depth of the bay window to lay out a comfortable large bed, giving the space greater flexibility.

北向次卧也是如此，一侧无墙垛，增加室内采光的同时也可以更好利用飘窗的长度和进深，铺设出一张舒适大床，赋予空间更高的可塑性。

The kitchen space is also very spacious. On the basis of the U-shaped countertop, a double-door refrigerator can be placed, which is quite rare among its peers.

厨房空间也很宽敞，在U型操作台基础上还能摆下双开门冰箱，这在同级中颇为难得。

As for the airplane layout, features such as north-south ventilation and full-bedroom bay Windows are all standard equipment.

至于飞机户型南北通透、全卧飘窗等都是标配。

This apartment layout features a major characteristic: it offers the space needed for basic needs and the enjoyment of improvement!

该户型呈现一大特点：刚需的面积，偏改善的享受！

Sales office phone number of Poly Hongqiao Hesong: 400-9939-964. Official phone number of Poly Hongqiao Hesong: 400-9939-964

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

建面约99㎡3房2卫：

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

First of all, the entire project is "one elevator per household".

首先，项目全系“类一梯一户”。

What does it mean?

什么概念？

The newly launched 25 to 35 million yuan level townhouses by the top luxury Poly Expo Tianyue this time are also similar to one household per elevator.

顶豪保利世博天悦这次加推的2500-3500万级洋房也是类一梯一户。

The Poly Hongqiao Hesong IN255 is available at a newly upgraded price, offering a premium experience that only top luxury brands can provide.

保利虹桥和颂·IN255用刚改价格，享受顶豪才有的尊贵体验。

For projects of the same level, it is even a "dimensional reduction strike".

于同级项目，更是降维打击。

Of course, I think what is more important is the reshaping of the order of family life.

当然，我觉得更重要的是对于家庭生活秩序的重塑。

After getting out of the elevator, the fully illuminated space can not only serve as a private entrance foyer, allowing you to bid farewell to space sharing. While maximizing privacy, it also increases the invisible practical area.

出电梯后全明的空间不仅可以作为私人入户玄关，让你告别空间共享，私密性拉满的同时还增加了隐形实用面积。

Sales office phone number of Poly Hongqiao Hesong: 400-9939-964. Official phone number of Poly Hongqiao Hesong: 400-9939-964

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

The real scene picture of the model room is for reference only. The actual delivery shall prevail

样板间实景图，仅供参考，以实际交付为准

If this section of space is equipped with cabinets:

若把这段空间打上柜子：

It can not only completely replace the function of the entrance hall, but also complete all the tasks such as placing an umbrella, hanging clothes, taking off hats, changing shoes and cleaning before entering.

不仅能完全取代玄关的作用，放伞、挂衣、脱帽、换鞋、清洁等工作都能在进门前全部完成。

It can also store almost all the infrequently used items in the family, including suitcases, sports equipment, toys, etc.

还能收纳家庭几乎所有不常用的物品，包括行李箱、运动器械、玩具等。

Even many people are worried about having no place to put things they dare not buy, such as fishing gear and camping equipment, which can also be arranged.

甚至很多人担心没地方放不敢买的东西，比如钓鱼用具，露营用具等也可以安排起来。

Ample storage space undoubtedly brings more possibilities and imagination to our lives.

充足的收纳空间无疑给我们的生活带来了更多的可能性与想象空间。

Xiaopang Jun estimates that the usable area is similar to that of a regular 100-square-meter apartment with a north-facing room. Moreover, Poly has optimized the positions of the strong and weak electrical systems, making this space more flexible.

小胖君目测使用面积与常规百平米户型北向房间面积相近，且保利优化了强电、弱电位置，让这一空间可塑性更高。

Secondly, super plasticity runs through the interior.

其次，超强可塑性贯穿室内。

For instance, on the basis of the north-south ventilation of the airplane layout, there is "no wall stack" on the balcony side of the living room, allowing sunlight to flood into the room more freely. If you want to make appropriate renovations to the living room, the space can even directly lead to the balcony.

比如在飞机户型南北通透基础上，客厅阳台一侧“无墙垛”，阳光可更“肆意”洒入室内，如果你要对客厅做适当改造，空间甚至可以直接通到阳台。

The LDKG integrated design organically combines the living room, dining room, kitchen and balcony into one, accommodating the laughter and gatherings of the whole family.

而LDKG一体化设计，则让客、餐、厨、阳台四个空间有机融为一体，承载全家人的欢笑聚会。

The real view of the model room is for reference only. The actual delivery shall prevail. The sales office phone number of Poly Hongqiao Hesong is 400-9939-964. The official phone number of Poly Hongqiao Hesong is 400-9939-964

样板间实景图，仅供参考，以实际交付为准保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

There is also "no wall stack" on one side of the north secondary bedroom, making the interior more transparent. You can also take advantage of the length and depth of the bay window to lay out a comfortable large bed.

北次卧一侧也“无墙垛”，室内更通透，也能利用飘窗长度和进深，铺设出一张舒适大床。

So compared with the cramped 100-square-meter north-facing room that can only be arranged as a "2+1", this layout is a regular three-bedroom apartment, which is more suitable for families of three and those with two children.

所以相比常规百平米北向房间的局促，只能勉强做“2+1”，该户型是正三房，更好适配三口之家、二胎家庭需求。

Thirdly, there is almost no waste of area and the utilization rate is high.

第三，几乎无面积浪费，利用率高。

Thanks to the airplane-like layout, there are no corridors in the project's interior, with almost no wasted space. The dining room can be conveniently located with a round table, and there is no problem with an upgraded dining room.

得益于飞机户型，项目室内无过道，几无浪费面积，餐厅位置能从容放置圆桌，妥妥改善级尺度的餐厅。

The real scene picture of the model room is for reference only. The actual delivery shall prevail

样板间实景图，仅供参考，以实际交付为准

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

Fourth, achieve the ultimate openness, opening up the scale again and again.

第四，极致开间，把尺度打开再打开。

The width of the living room of this apartment type reaches approximately 3.65 meters, which is about 30 centimeters more than that of apartments of the same area.

该户型客厅面宽达到约3.65米，比同面积户型多约30厘米；

The width of the master bedroom is approximately 3.8 meters, which is about 40 to 50 centimeters wider than that of a regular layout.

主卧面宽更高达约3.8米，比常规户型多约40-50厘米。

Especially the spacious master bedroom, with a large south-facing window, supports the placement of a dressing table and even a wardrobe at the end of the bed.

尤其奢阔主卧，南向开窗面积大，床尾支持放置梳妆台，甚至衣柜。

In addition, there are many eye-catching designs, such as a U-shaped kitchen of about 5 square meters, which can also accommodate a double-door refrigerator.

另外，还有诸多亮眼设计，比如约5㎡的U型厨房，还能放下双开门冰箱。

The balcony has a 270° corner, providing an additional side for viewing, etc. The 2-bathroom configuration also solves the problem of competing for toilets during the morning rush hour.

阳台带270°转角，多一面观景等，2卫配置也解决了早高峰抢厕所的烦恼。

样板间实景图，仅供参考，以实际交付为准

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

In terms of interior decoration standards, Hitachi central air conditioning and floor heating dual supply, Boss kitchen appliance three-piece set, Kohler washbasin, Moen washbasin and shower faucet, multi-functional rain sink with functional details and appearance level, kitchen panoramic sliding door, cabinets, mirror cabinet and bathroom cabinet, etc., all bring the luxurious life to the ultimate level in one step (the above brands are all provisional, or equivalent brands may be used, subject to delivery).

在室内装标方面，日立中央空调地暖两联供，老板厨电三件套，科勒台盆，摩恩台盆和淋浴龙头，兼具功能细节颜值的多功能飞雨水槽、厨房全景移门、橱柜、镜柜及卫浴柜等，让精奢生活一步到位（以上品牌均为暂定，或使用同等品牌，以交付为准）。

样板间实景图，仅供参考，以实际交付为准

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

建面约125㎡4房2卫：

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

This apartment layout has four south-facing rooms with a south-facing width of approximately 13.5 meters. Among them, three bedrooms face south and are filled with abundant sunlight.

该户型四开间朝南，南向面宽达约13.5米，其中三卧朝南，阳光满溢。

The entrance has an independent foyer, which not only adds a sense of ceremony to the entry and exit but also enhances the storage function.

入户有独立玄关，出入更具仪式感的同时也增加了收纳功能。

The LDKG design breaks the "barriers" in the traditional layout of the living room, dining room, kitchen and balcony. The several functional areas are independent yet interconnected, further expanding the functionality of the space.

LDKG设计，让客、餐、厨、阳台四个空间打破传统布局中的“隔阂”，几个功能区独立又互通，将空间功能进一步放大。

The luxurious master bedroom is spacious in scale, with the sleeping area, dressing room and bathroom progressing step by step.

豪华主卧，尺度宽敞，就寝区→衣帽间→卫浴间层层递进。

In addition, the interior is equipped with six bay Windows, further increasing the usable area.

此外，室内6飘窗配置，进一步提升了使用面积。

The absolute advantages of metro and apartment layouts give Poly Hongqiao and Song ·IN255 an exclusive competitive edge. It can be foreseen that whether for sale or rental in the future, they will be highly sought-after in the market.

地铁+户型的绝对优势，让保利虹桥和颂·IN255手握独家竞争力，可以预见未来不管是出售还是出租，都将是市场香饽饽。

The sales office phone number of Poly Hongqiao Hesong is: 400-9939-964

保利虹桥和颂售楼处电话：400-9939-964

尽管这个空间拥有极其宽敞的面积和高度，本应洋溢着活力与温馨，但实际上，它却弥漫着一股空旷与寂寥的气息，就像一座人迹罕至的城堡，静静地守候在时光的角落。

在这个空间里，设计师们以大胆的创新之笔，描绘了一幅别具一格的改造画卷。他们巧妙地利用了空间的尺度优势，如同解开了一道神秘的空间谜题。通过架设夹层和运用几何板材，部分层高被巧妙地“消隐”，宛如一场精彩的空间魔术。同时，吊顶设计上纵横交错、错落有致，为空间注入了灵动的节奏，使其充满生命的活力和韵律。

设计师以背景墙与吊顶的错落为笔，绘就了家的基本轮廓，宛如构筑一座梦想的城堡。几何元素的巧妙点缀，为空间注入了无限的活力与张力，使其幻化成一个充满奇幻色彩的艺术殿堂。

木色与白色，在空间中交织出一曲柔和的视觉旋律，悄然填补了空旷的寂静。设计师以留白为笔触，绘出一片温情的天地，让家的温暖在空间中诗意地栖居。身处其中，日常起居也染上了安适的色彩，这已非单纯的装饰艺术，而是空间与心灵共舞的哲学。

设计师精心打造了一个无拘无束的居住空间，避免了生硬的隔断，让空间自由呼吸。居住者可以自由穿梭其中，根据心情和需求，选择在洒满阳光的区域放松身心，或在静谧的角落安然休憩。空间的体验，更多地取决于人的活动，而非固定的结构。

设计师巧妙地将客厅设计成“双向”空间，一面朝向室外，将自然景致引入室内，一面朝向内部，与书柜相连，营造出静谧的氛围。

几何的韵律与光影共舞，在空间中绘就一幅细腻的视觉画卷。时光流转，明暗交替于不同材质与角落之间，赋予空间层次以丰富的变化和节奏。阳光的轻抚，更让每一个日常场景都闪耀着独特的光辉。

镂空设计于空间内巧妙排布，孔径大小各异，错落其间。结构完整得以保留，视线亦得以自由流动，空间通透且富呼吸感。空白之处，架起空间与居住者沟通之桥，生活自在韵律由此唤醒。

精心设计的迂回动线，让居住者在日常的行走中，体验到空间的丰富层次和无限延展。每一次的前行与转身，都仿佛置身于一场探索之旅，空间的边界也随之消融，内外景致自然相连。

空间中，明晰的棱角勾勒出理性的框架，而木色的温润与白色的纯净则注入了温暖的灵魂。尖锐的线条与柔和的氛围相互映衬，构筑出一个既有秩序又不失舒适度的居住环境。

设计师精心挑选的艺术品摆件，如同点睛之笔，为空间注入了生活的智慧与哲学。这些超越装饰的珍宝，全面展现了生活的优雅与深邃，静静地诉说着动人的故事，等待着居住者去发现和解读。

设计师在这个空间中取得了通透感与层次感的完美平衡，独具匠心的设计既实现了空间的极致开敞，又保留了丰富的层次变化。巧妙的错位设计，为每个空间赋予了独特的尺度感，让每个角落都散发着迷人的魅力，仿佛每个空间都等待着人们去探索它的小秘密。

倾斜的吊顶与错落的“断层”设计，极大地增强了空间的纵深感，使其仿佛拥有无尽的深度。这种感受源于四面八方的张力汇聚，如同无数力量交织，共同编织出充满奇幻色彩的视觉画卷。

设计师的空间智慧在家中的每个角落绽放，开放式布局取代了墙体界限，自然划分功能区域，赋予居住者自由的生活感受。细节之处流淌着空间的自信从容，边界消融，家的舒适度得以无限延展。

顶层空间被充分利用，打造成一个舒适的卧室。温暖的白色墙面，搭配木色与灰色的装饰，营造出简洁而雅致的氛围。磨砂玻璃门则巧妙地隐藏了衣柜，既实用又美观，同时也保持了卧室的通透与从容。

设计师巧妙地将灯具嵌入空间结构，实现了照明的功能性需求，同时又保持了视觉上的简洁，使整体空间风格更加协调一致。

此空间对私密性的诠释独具匠心，它摒弃了传统的封闭概念，转而运用色彩的温暖语汇和线条的精妙比例，构建起一种内外呼应的平衡美学。在这里，私密性升华为一种心灵的庇护，而非单纯的物理隔断。

次卧，一方简约天地，经典色调晕染出恒久的温暖。吊顶的拼贴艺术，抚平了空间结构的褶皱，空调出口的雅致处理，如点睛之笔，与整体和谐共鸣。背景墙内，衣柜隐现，收纳生活琐碎，留出空间让永恒之美静静流淌。

在儿童房的设计上，设计师摒弃了传统的“房间”概念，转而强调儿童的主导地位。家中的每一处都应融入孩子的世界，而非被父母的安排所束缚。因此，一个真正属于孩子的独立空间被打造出来，鼓励他们自由探索，尽情释放天性。

起居室与儿童床通过楼梯自然过渡，楼梯下方的三角空间被充分利用，成为一个充满童趣的角落，用于收纳玩具和童话书。

在起居室的一侧，孩子们的玩具随意地散落在地上，各种动物造型的玩偶让空间充满了童趣。这里属于孩子们，也属于家庭，是亲子共享美好时光的乐园，孩子们可以在这里尽情释放天性，自由翱翔在想象的世界里。

家，在城市喧嚣中为居住者构筑了一处安宁的庇护所，给予他们稳稳的幸福感与包容感。设计师巧妙地让空间摆脱了固有形式的限制，展现出生活的丰富多彩，这里已不仅仅是一个居住的地方，更是一个可以让人放松心情、自在行走的精神场所。

保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

03.

03.

Section Information

版块信息

The 3 million-class rail transit, which has a capacity comparable to that of Line 2, is only about 350 meters away from the demonstration zone line (under construction) in a straight line.

300万级拥有媲美2号线能级的轨交直线距离示范区线（在建）仅约350米。

Products priced at 3 million yuan are not uncommon in Shanghai, but rail transit units in this price range are extremely scarce.

300万级的产品在上海并不少见，但这一价位段的轨交盘极度稀缺。

Poly Hongqiao and Song ·IN255 not only have the rail transit planning being implemented, but also are only about 350 meters away from the Zhaozhong Road Station of the Demonstration Zone Line (under construction) in a straight line. It is a rare real rail transit project, with 2 stops to Qianwan, 3 stops to Hongqiao Hub, and 5 stops to Huawei Base.

保利虹桥和颂·IN255不仅有轨交规划正在落地，且直线距离示范区线赵重公路站（在建）仅约350米，是不可多得的真轨交盘，2站前湾、3站虹桥枢纽、5站华为基地。

Sales office phone number of Poly Hongqiao Hesong: 400-9939-964. Official phone number of Poly Hongqiao Hesong: 400-9939-964

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

轨交定位决定板块发展上限！保利虹桥和颂·IN255就是同级中难得有轨交且轨交能级更高的项目。

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

The demonstration Zone line is 52.4 kilometers long and has a total of 10 stations along the entire line. The maximum operating speed of trains is 160 kilometers per hour, which is twice that of ordinary subways.

示范区线全长52.4公里，全线共设10座车站，列车最高运行时速160公里，达到普通地铁的2倍。

According to the latest news reports, the first phase of the Demonstration Zone Line is expected to be completed as early as 2026, even faster than the earlier launched Jiamin Line of the same type. The fact that it started later but took the lead is sufficient to demonstrate its high positioning and level. Xiaopang Jun believes that its level is comparable to that of Line 2.

根据最新新闻报道，示范区线一期最快预计2026年即可竣工，比上马更早的同类型嘉闵线还要快，后发先至足以彰显其定位能级之高，小胖君认为能级媲美2号线也不为过。

Line 2 connects several important CBDS in the city center. Behind it are a large number of high-income industrial people. Their strong home-buying power boosts housing prices. Therefore, Line 2 is also the high line for housing price control in Shanghai.

2号线串联多个市中心重要CBD，背后是海量的高薪产业人群，购房力强反哺房价，因此2号线也是上海房价制高线。

The demonstration Zone line (under construction) is located on the left hand of the Yangtze River Delta integration and Huawei, and on the right hand of Qianwan and the headquarters and office buildings of the Greater Hongqiao area. Through the Hongqiao Hub, it connects Line 2 and the airport link line currently in trial operation, incorporating high-energy areas such as the city center, Xuhui, Minhang, and Zhangjiang into the commuting map of Poly Hongqiao and Song ·IN255.

而示范区线（在建）左手长三角一体化、华为，右手前湾、大虹桥总部商办，并通过虹桥枢纽，串联2号线及正在试运营的机场联络线，把市中心、徐汇、闵行、张江等高能板块都纳入保利虹桥和颂·IN255的通勤版图。

That is to say, through the demonstration zone line (under construction), the project will gather purchasing power from all directions of Shanghai. With a wide customer base and strong purchasing power, it will in turn boost the value of second-hand houses in the future.

也就是说，项目通过示范区线（在建）将汇聚上海四面八方的购买力，那客户池广、购买力强将来会反哺二手房价值。

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

Of course, the connection of rail transit has also magnified the cost performance of the project.

当然，轨交串联也放大了项目性价比。

Just two stations away, Qianwan has reached the 7 million yuan level, Xujing has reached the 6.5 million yuan level, and Zhaoxiang, which is also at the same distance from the project, has reached the 5.5 million yuan level. Then, Poly Hongqiao and Song ·IN255, with a 3 million yuan level and a starting down payment of about 440,000 yuan, coupled with the potential of the demonstration Zone line (under construction), will undoubtedly become a more anticipated price depression in the greater Hongqiao area and even the entire Shanghai.

2站外的前湾已700万级，徐泾650万级，与项目同距离的赵巷也已550万级，那保利虹桥和颂·IN255凭借300万级，首付约44万起的价格优势，叠加示范区线（在建）势能，无疑将成为大虹桥乃至全上海更为期待的价格洼地。

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

Shanghai Qingpu Poly Hongqiao Hesong Sales Office Tel: 400-9939-964...

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

Finally, let's talk about the supporting facilities.

最后，再说一下配套。

Looking at the new properties worth over 3 million yuan, they are generally located in Fengxian, Jinshan and Lingang.

纵观300多万的新盘，普遍在奉贤、金山、临港。

Most real estate developments have no rail transit and are very far from large commercial areas. This means that young people will have no choice but to drift away from the refined life they dream of.

大部分楼盘没有轨交，离大型商业也非常远，这就意味着年轻人将无奈远离他们梦想的精致生活。

But Poly Hongqiao is different from Song IN255.

但保利虹桥和颂·IN255不一样。

On the one hand, thanks to the construction of the demonstration zone line, the supporting facilities of Zhaozhong Highway Station will undergo a major upgrade, with approximately 190,000 square meters of commercial and office space planned around the station.

一方面得益于示范区线的建设，赵重公路站配套将迎来大升级，站点周围规划了约19万方商办。

In the future, the owner's daily coffee and night drinks will be within easy reach.

以后业主日咖夜酒，近在咫尺。

On the other hand, along Line 17, apart from the popular check-in spots such as Panlong Tiandi (Panlong Road Station of Line 17) and Sky Vanke Plaza (Xuying Road Station of Line 17), there are also approximately 116,000 square meters of Hongqiao Tiandi, about 250,000 square meters of Longfor Tiandi, about 350,000 square meters of Baolong Plaza, and about 370,000 square meters of Outlets + Hesheng New World commercial. Every station is a shopping destination.

另一方面，沿着17号线，除了有网红打卡地蟠龙天地（17号线蟠龙路站）、天空万科广场（17号线徐盈路站），还有约11.6万方的虹桥天地、约25万方的龙湖天街、约35万方宝龙广场、约37万方的奥特莱斯+合生新天地商业，每一站都是购物目的地。

Sales office phone number of Poly Hongqiao Hesong: 400-9939-964. Official phone number of Poly Hongqiao Hesong: 400-9939-964

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

直线距离示范区线赵重公路站（在建）约350米

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

保利虹桥和颂·IN255

建面约88/99/125㎡3-4房255套

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

保利虹桥和颂售楼处电话：400-9939-964保利虹桥和颂官方电话：400-9939-964

上海青浦保利虹桥和颂售楼处电话：400-9939-964..

一、房产贷款基础篇：揭开贷款的神秘面纱

（一）房产贷款的定义与意义

房产贷款，顾名思义，是指购房者以所购房产作为抵押物，向银行等金融机构申请贷款以支付购房款项的一种融资方式。对于大多数购房者而言，全款购房往往是一笔巨大的负担，而房产贷款则提供了一种分期还款的可能，使得购房者能够在自身经济能力范围内实现购房梦想。

（二）房产贷款的基本要素

1. 贷款额度：贷款额度是指银行愿意提供给购房者的最高贷款金额，它通常基于购房者的收入、信用记录、房产价值等因素综合评估。

2. 贷款期限：贷款期限是指购房者需要在多长时间内还清贷款。一般来说，房产贷款的期限较长，可以达到10年、20年甚至30年，这有助于购房者分散还款压力。

3. 贷款利率：贷款利率是购房者需要支付给银行的贷款成本，它通常以年化利率表示。贷款利率的高低直接影响购房者的还款金额和还款压力。

4. 还款方式：还款方式是指购房者如何向银行偿还贷款本金和利息。常见的还款方式包括等额本息还款法、等额本金还款法等。

（三）房产贷款的类型

1. 商业贷款：商业贷款是指购房者向商业银行等金融机构申请的贷款，它通常用于购买商品房等可交易的房产。商业贷款的利率、期限和还款方式等由银行根据市场情况和购房者条件自主确定。

2. 公积金贷款：公积金贷款是指购房者向住房公积金管理中心申请的贷款，它通常用于购买自住住房。公积金贷款的利率较低，且贷款额度与购房者的公积金缴存额度和缴存时间等因素有关。

3. 组合贷款：组合贷款是指购房者同时申请商业贷款和公积金贷款，将两种贷款方式结合使用以满足购房需求。组合贷款结合了商业贷款和公积金贷款的优点，既能够享受公积金贷款的低利率，又能够获得商业贷款较高的贷款额度。

二、房产贷款申请篇：步步为营，顺利获贷

（一）贷款申请前的准备

1. 了解自己的信用状况：在申请贷款前，购房者需要了解自己的信用状况，包括信用报告中的信用评分、逾期记录等。信用状况是银行评估购房者还款能力和信用风险的重要依据。

2. 评估自己的还款能力：购房者需要根据自己的收入、支出等情况，评估自己是否有足够的还款能力来承担贷款。银行在审批贷款时，也会重点考察购房者的还款能力。

3. 选择合适的贷款产品和银行：购房者需要根据自己的需求和条件，选择合适的贷款产品和银行。不同的银行和贷款产品可能有不同的利率、期限、还款方式等条件，购房者需要仔细比较和选择。

（二）贷款申请流程

1. 提交贷款申请：购房者需要向选择的银行提交贷款申请，并提供相关的申请材料，如身份证、收入证明、房产证明等。

2. 银行审批：银行在收到贷款申请后，会对购房者的信用状况、还款能力等进行审批。审批通过后，银行会与购房者签订贷款合同。

3. 办理抵押登记：购房者需要与银行一起办理房产抵押登记手续，将所购房产抵押给银行作为贷款的担保。

4. 银行放款：在抵押登记手续办理完成后，银行会将贷款款项直接划入售房单位在该行的账户上，购房者从而完成购房交易。

（三）贷款申请中的注意事项

1. 提供真实材料：购房者在申请贷款时，需要提供真实、准确的申请材料。如果提供虚假材料，一旦被银行发现，可能会导致贷款申请被拒绝，甚至可能面临法律责任。

2. 注意贷款额度与期限：购房者需要根据自己的经济能力和还款计划，合理选择贷款额度和期限。过高的贷款额度或过长的贷款期限可能会增加购房者的还款压力。

3. 了解贷款费用：购房者在申请贷款时，需要了解贷款过程中可能产生的各种费用，如评估费、抵押登记费、保险费等。这些费用可能会增加购房者的成本，需要提前做好预算和准备。

三、房产贷款还款篇：精打细算，合理还款

（一）还款方式的选择

1. 等额本息还款法：等额本息还款法是指购房者每月偿还相同金额的贷款本息，其中本金逐月递增，利息逐月递减。这种还款方式适合收入稳定、希望每月还款金额固定的购房者。

2. 等额本金还款法：等额本金还款法是指购房者每月偿还相同金额的本金和剩余贷款在该月所产生的利息。由于本金逐月递减，利息也会逐月减少，因此每月还款金额也会逐月递减。这种还款方式适合收入较高、希望提前还款的购房者。

3. 其他还款方式：除了等额本息还款法和等额本金还款法外，还有一些银行提供其他还款方式，如按季还息到期还本、一次性还本付息等。购房者可以根据自己的需求和条件选择合适的还款方式。

（二）提前还款的利弊

1. 提前还款的利：提前还款可以减少购房者支付的利息总额，缩短贷款期限，提前实现无债一身轻的目标。对于收入增加或资金充裕的购房者来说，提前还款是一种不错的选择。

2. 提前还款的弊：提前还款可能会增加购房者的短期资金压力，因为购房者需要一次性支付较多的本金。此外，一些银行可能会对提前还款收取违约金或限制提前还款的次数和金额。

（三）还款过程中的注意事项

1. 按时还款：购房者需要按照贷款合同约定的还款方式和还款日期按时还款。逾期还款不仅会产生罚息和滞纳金，还会影响购房者的信用记录。

2. 关注利率变化：贷款利率是购房者需要关注的重要指标之一。如果市场利率发生变化，购房者需要及时了解自己的贷款利率是否也会发生变化，并提前做好还款计划调整。

3. 保留还款凭证：购房者需要保留好每次还款的凭证，以便在需要时查询和核对还款记录。如果发生还款纠纷或争议，还款凭证可以作为重要的证据。

四、房产贷款风险篇：防范风险，稳健前行

（一）利率风险

利率风险是指贷款利率变化可能给购房者带来的风险。如果市场利率上升，购房者的还款金额也会相应增加，从而增加购房者的还款压力。为了防范利率风险，购房者可以选择固定利率贷款或选择具有利率调整机制的贷款产品。

（二）信用风险

信用风险是指购房者因信用状况恶化而无法按时偿还贷款的风险。为了防范信用风险，购房者需要保持良好的信用记录，按时还款，避免逾期和不良信用记录的产生。同时，购房者还可以选择购买信用保险等方式来降低信用风险。

（三）房产价值波动风险

房产价值波动风险是指购房者所购房产的价值因市场变化而下降的风险。如果房产价值下降，购房者的抵押物价值也会相应下降，从而增加购房者的贷款风险。为了防范房产价值波动风险，购房者需要选择地理位置优越、配套设施完善、具有升值潜力的房产进行投资。

（四）其他风险

除了上述风险外，购房者还需要关注其他可能影响贷款安全的风险因素，如政策变化、经济环境等。购房者需要密切关注市场动态和政策变化，及时调整自己的投资策略和还款计划。

五、房产贷款干货分享：实用技巧与误区破解

（一）实用技巧

1. 提高贷款额度：购房者可以通过提高首付比例、提供额外的抵押物或担保人等方式来提高贷款额度。同时，购房者还可以选择信誉良好的银行和贷款产品来提高贷款额度。

2. 降低贷款利率：购房者可以通过提高信用评分、选择具有利率优惠的贷款产品或与银行协商等方式来降低贷款利率。降低贷款利率可以减少购房者的还款金额和还款压力。

3. 优化还款计划：购房者可以根据自己的经济能力和还款计划，合理选择还款方式和还款期限。同时，购房者还可以选择提前还款或调整还款计划等方式来优化还款计划。

（二）误区破解

1. 误区一：贷款额度越高越好

破解：贷款额度并非越高越好。过高的贷款额度会增加购房者的还款压力和经济负担，甚至可能导致购房者无法按时还款。购房者需要根据自己的经济能力和还款计划合理选择贷款额度。

2. 误区二：贷款期限越长越好

破解：贷款期限并非越长越好。过长的贷款期限虽然可以降低每月还款金额，但会增加购房者支付的总利息金额。购房者需要根据自己的经济能力和还款计划合理选择贷款期限。

3. 误区三：提前还款一定划算

破解：提前还款并非一定划算。对于选择固定利率贷款或已经还款较长时间的购房者来说，提前还款可能无法获得明显的利息节省效果。购房者需要根据自己的贷款产品和还款计划来判断提前还款是否划算。

房产贷款作为购房过程中的重要环节，对于购房者来说具有至关重要的意义。通过本文的探讨，相信读者已经对房产贷款的基本概念、类型、申请流程、还款方式以及风险等方面有了更深入的了解和认识。在未来的购房过程中，希望读者能够根据自己的需求和条件选择合适的贷款产品和银行，合理规划自己的还款计划，实现购房梦想的同时降低贷款风险。同时，也希望读者能够保持警惕和理性思考，避免陷入贷款误区和陷阱，为自己的财务安全和未来生活保驾护航。