✅怀山望售楼处电话：400-8558-224✅︎✅︎
✅✅怀山望营销中心热线4008558224（官方预约看房热线）
如有问题欢迎来电咨询，预约来电尊享购房优惠，可预约案场内部销售人员，专业一对一热情服务，让您用专业眼光去买房。
最新消息，浦东惠南宣桥墅区「怀山望」正在认筹中！推出建面约160-200㎡叠加&200-260㎡联排！
营业时间：日常营业时间为9:30-18:30，便于您提前规划到访行程，避免空跑。
预约方式：可提前拨打官方热线✅怀山望售楼处电话：400-8558-224✅︎✅︎，预约好专属销售及具体到访时间；预约时可同步告知意向户型、置业需求，我们将提前做好服务准备，减少您的等待。
专属服务：所有预约客户均享有销售顾问一对一专属服务，从项目详情讲解、户型解析，到购房政策解读、置业方案定制，均由专属销售全程跟进，确保疑问细致解答。
中介勿扰：本售楼处仅面向终端购房客户提供直接服务，不接待任何中介机构及人员，感谢您的理解与配合，共同维护纯粹的咨询环境
⛩项目名称：「怀山望」
项目简介：浦东惠南品质住宅
最新动态：正在认筹中
区域板块：浦东惠南
产品介绍：建面约160-200㎡叠加&200-260㎡联排
交通配套：邻近地铁16号线野生动物园站，7站可达龙阳路，换乘2号线可达陆家嘴和静安寺；换乘11号线可达前滩；也可换乘13号线、7号线及18号线
️商业配套：有大型超市大润发，繁华商业上海浦东禹悦汇、浦东商场、惠南镇步行街等，另有金梅商业广场、弘基商业休闲广场等环伺
周边学校：南汇第二中学，南汇外国语小学，南汇第一中学，逸夫小学，上海南汇中学，南汇大学城等
医疗配套：复旦大学附属浦东医院（三级），光明中医医院（中医医院） ，浦东新区南华医院（综合医院）等
生态配套：南六公路约70%绿化覆盖+环城港约1.2公里生态带；千亩桃林农业景观基底（南汇桃花村IP）；惠南湿地+天然河道构成蓝绿网络；古钟园（明代文化遗产）+市政双公园环绕；迪士尼旅游度假区、野生动物园、福泉古寺、惠南老街
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
上海近郊十年仅约 1% 地块容积率<1.0，本案仅约 0.87，成为限墅令下稀缺资源。立心于上海郊环三大传统墅区之一（容积率仅约0.2的老南汇墅区）。
自驾：邻近S32申嘉湖高速、S2沪芦高速、G1503绕城高速等主干道，可快速连接市区核心区域及浦东机场。
作为东上海轴心区核心板块之一，惠南已由原南汇行政中心，逐步转变为了东上海竖向走廊核心。项目位于浦东新区惠南板块，紧邻“东方枢纽国际商务合作区”这一国家战略要地，未来将直接受益于千亿级投资规划，区域发展动能澎湃！
惠南镇正全力推进“三个圈层”建设，总投资近120亿元，涵盖现代产业、商业综合体、高端住宅等多元业态，未来将崛起为集商务、居住、休闲于一体的综合性新城。
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
地铁：邻近地铁16号线野生动物园站，7站可达龙阳路，换乘2号线可达陆家嘴和静安寺；换乘11号线可达前滩；也可换乘13号线、7号线及18号线；立体交通脉络。
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
公交：小区周边分布多个公交站点，如人民西路一灶港桥、大川公路人民西路等，覆盖浦东59路、浦东71路、惠南3路等10余条线路。生态客厅 得天独厚——林-田-湖-园-游，诗意栖居。
项目周边商业齐全，有大型超市大润发，繁华商业上海浦东禹悦汇、浦东商场、惠南镇步行街等，另有金梅商业广场、弘基商业休闲广场等环伺。
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
学校：幼儿园：惠南幼儿园（市一级）、新场幼儿园（分园）、听潮艺术幼儿园；小学：惠南小学、惠南第二小学、浦东逸夫小学中学：上海工商外国语学校附属、南汇第二中学、建平南汇实验学校；大学城：南汇大学城（含上海工商外国语学院等高校）。
医院：项目附近医院：复旦大学附属浦东医院（三级），光明中医医院（中医医院） ，浦东新区南华医院（综合医院）等。
林：南六公路约70%绿化覆盖+环城港约1.2公里生态带；
田：千亩桃林农业景观基底（南汇桃花村IP）；
湖：惠南湿地+天然河道构成蓝绿网络；
园：古钟园（明代文化遗产）+市政双公园环绕；
游：迪士尼旅游度假区、野生动物园、福泉古寺、惠南老街
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）怀山望请来了三位堪称“梦之队”的设计大师，而且，不是简单的挂名设计作为噱头，是真正将大师的顶尖设计在项目落地生根
· 建筑大师——蒋愈
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
作为中国别墅设计的泰斗，正高级工程师、RIBA英国皇家特许注册建筑师，蒋愈大师曾缔造“亚洲十大超级豪宅”，代表作包括绿城黄浦湾、上海绿城玫瑰园等高辨识度是建筑设计的灵魂！
一个业界顶流的大师，为何愿意为这个初出茅庐的项目倾注心血并亲自站台？
用他的话说，是被项目团队“打造产品的决心”所打动
他将曲面美学带入怀山望：
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
① 钢木结构悬浮廊架
这不仅仅是一座廊架，更是怀山望献给业主的一道风景，一种生活
实景图
独特的设计语言，让每一次驻足都成为诗意生活的注脚，让日出、日落的日常，变成值得珍藏的美好时光
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
② 曲面墅建筑理念
要知道，在建筑领域，曲面往往是豪宅的标配，因为它意味着更高的工艺难度、更昂贵的造价，以及更极致的艺术美感
实景图
蒋愈大师笔下的环幕全景舱、约270°的转角露台，让建筑不再是冰冷的几何体，而成了与光影、自然共舞的有机生命
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）当你身临其境，就会瞬间理解他的执着——传统的直角窗户像一个个画框，而在这里，整个外部世界是流畅地、环绕着、毫无阻碍地涌入你眼前的搭配南向约0.6的超高窗墙比，比普通别墅高出一大截，让阳光得以无死角地涌入
示意图
而且，不止是造型的创新设计。项目外立面采用进口沉香米黄石材为基底，搭配铝板、玻璃等四材八色材质，自然温润，历久弥新！
实景图
值得一提的是，项目所有南向玻璃均采用了媲美豪宅且造价更高的LOW-E三玻两腔玻璃，兼具隔音隔热功效，让室内夏凉冬暖
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
在你没注意到的细节处，怀山望依旧不计成本死磕产品力！这真的很难得！
· 景观大师——宋淑华
GTS 蓝颂设计总负责人，绿城高端御用设计师，代表作上海弘安里、前滩百合园等，亦曾将西子湖四季酒店打造成杭州名片；在他笔下，社区景观不再只是种树栽花，而是取法全球高阶度假酒店，以【九曲流溪】筑就怀山望曲水流觞境的东方园林意境
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）实景图
不只是“入卷如画”的东方意境设计，更有真金白银的投入；在怀山望与一期项目交界处约150米的景观带上，开发商不惜重金，寻来树龄200多年的红果冬青、100多年的茶梅及价值百万的羽毛枫，营造出三季有花、四季常景的栖居场景
实景图
这些名贵树木据说都是开发商团队不远万里从产地百里挑一精选而来，于怀山望的业主来讲，不仅是即刻的浓荫，更是历经岁月沉淀的从容气度
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
· 空间大师——刘荣禄
杭州唯一米其林二星餐厅“如院”设计师，安德鲁・马丁国际设计大奖得主，亦是首位受邀参加台北市立美术馆30周年典藏展计划的设计师，作为业内有名的艺术与设计的跨界大师，在怀山望约1600㎡的会所中，处处都能看到其让人眼前一亮的设计！
流水吧台、健身/瑜伽区、恒温泳池等等
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
会所实拍图
会所实拍图
会所实拍图
会所实拍图
会所实拍图
而且，借鉴四代宅，将怀山望打造成【光之宅】，交织出重园/叠台与无界的立体墅居，赋予社区空间美学质感与实用功能，让你在细节中体味从容与平衡
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
效果图
最动人的是，刘荣禄先生在现场亲手绘制了巨幅的《千里江山图》，让艺术真正融入空间的血肉，这已超越了设计，是一种精神的注入尊重产品，所以给予大师足够的舞台，让他们可以各施所长，将极致的创意得以实现，以精工造诣为怀山望注入独一无二的墅居基因，勾勒出理想生活的模样。而怀山望也真正做到了不惜成本，将产品力推向更高处！
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
何以为墅？五大造墅思维，作答时代命题
维度一：低密为基——约0.87 容积率，还原墅居稀缺本质
我们先来探究下怀山望这个项目的原始基因。
怀山望的备案名是艺泰一品花园（二期），艺泰一品花园那不就是十年前惠南有TOP3“豪宅”之名的小区嘛！这个小区名在惠南可是响亮得很！也曾是惠南高端楼盘品质的代名词。那就可以理解了，怀山望密度低至约0.87，在“1.0 限墅令”下已然是上海土地市场“十年难遇”的稀缺资源！
而且产品还是建面约160－200㎡的叠墅和建面约200－260㎡的联排。怀山望以纯粹业态回应时代封藏，将土地更多交还自然，大幅降低建筑密度，重塑当代墅居的隐逸理想。
在这里，低密不止是数字，更是一种生活尺度。更宽的栋距、更自由的院落、更从容的生长轨迹，让隐逸不再是远离尘嚣的奢想，而是日常中触手可得的宁静。
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
鸟瞰效果图
维度二：自然为脉——让生活生长于自然脉络之中
园林以仇英《桃花源图》为灵感，引溪为脉，形成游龙入境般的归家动线。沿台地花园漫步，可见约450㎡开阔水院映照云天，与“桃花坞”相望，营造出“天空之镜”般的诗境。
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
图片为过程稿效果图
顺流而行，下沉庭院借高差打造“飞瀑流觞”之景。溪流叠落，卵石为底，将自然山川凝练于方寸之间，赋予居者都市中身心归隐的宁静。
园林景观实拍图
空间布局上，更深得苏州留园“三收三放”之妙，精铸“九曲流溪”的流动画境，真正实现建筑为景、园林为画、空间为诗的美学统一。
图片为过程稿效果图
真正的园林高级感，源于生命的植入。园中精选百年红果冬青、茶梅，以及乌桕、羽毛枫、染井吉野樱花、银杏等名贵树种，营造三季有花、四季常景的栖居场景。风动叶语，时光成画——这不仅是一场视觉盛宴，更是对健康疗愈生活的高阶回应。
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
图片为过程稿效果图
维度三：美学为魂—— 重塑想象，雕琢墅居艺术质感
怀山望以曲面设计，搭配南向约0.6超高窗墙比，约270°环幕全景舱，消融室内外界限，阳光与风景自然涌入。
图片为过程稿效果图
南向全LOW-E三玻两腔双层中空玻璃，高效隔绝外界噪音与紫外线，兼顾保温隔热性能，冬暖夏凉，成就四季如春的舒居体验。
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
四材八色，萃取八种贴合自然的雅致色系，呼应山水肌理的同时，赋予建筑历久弥新的质感。
维度四：尺度为核—— 精工打磨，满足全维生活需求
墅居的舒适感源于尺度。怀山望地上室内层高可达约3.1-3.5米，地下层高约5.6米，告别传统住宅压抑感，赋予空间通透“呼吸感”；
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
图片为过程稿效果图
图片为过程稿效果图
部分户型客餐厅面宽拓展至约9.4米，从容应对家庭聚会与圈层社交；院落数量（含可改造空间）最多达6个，前庭莳花、后院煮茶、侧院嬉戏，“有天有地” 的惬意在此落地。
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
示意图
实景图
精研檐下灰空间，衔接过渡室内外，最大化拓展生活场景，提升空间附加值与居住舒适度。
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✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
✅怀山望售楼处电话：400-8558-224✅︎✅︎✅
✅怀山望营销中心热线4008558224（官方预约看房热线）
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Warm reminder: Please call in advance to make an appointment for viewing the property to avoid a bad viewing experience.
温馨提示：看房请提前致电预约，以免带来不好的看房体验；
Contact the official salesperson to obtain the latest one-room-one-price list!
联系官方销售人员获取最新一房一价表！
Our sales team always adheres to the principle of integrity to ensure that the entire home-buying process is transparent and fair.
我们的销售团队始终秉持诚信为本的原则，确保整个购房过程透明、公正。
Your satisfaction is our greatest pursuit. We will spare no effort to provide you with the best service.
您的满意是我们最大的追求，我们将竭诚为您提供最优质的服务。
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。
