✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎
✅✅招商·林屿湖畔营销中心热线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。
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✅招商·林屿湖畔售楼处电话：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
招商·林屿湖畔是上海嘉定新城的现象级红盘，由招商蛇口开发，位于远香湖中央活动区（CAZ）核心，主打低密湖居生态社区。项目四开四罄，创下34分钟售罄130套的纪录，均价59708元/㎡，主力户型为122-165㎡高层及叠墅。
嘉定新城核心 一线“湖景+河景”
远香湖4.0迭代湖畔奢居产品
【招商·林屿湖畔】
加推建面约112-165㎡高层/叠墅
均价59708元/㎡ 12月19日认购
售楼处线上预约尊享团购优惠
认购时间：2025年12月19日-2025年12月23日
●认购金：80万元
● 开盘时间：12月29日
一房一价
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
项目前期一房一价表：
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
项目基本信息
据悉，招商蛇口拿下嘉定新城远香湖住宅地块（嘉定新城F03A-4地块）招商林屿湖畔成交总价26.6亿，成交楼板价31850元/㎡，溢价率30%，成交承诺装修标准3000元/㎡，预计未来售价或达6万/㎡！
根据方案，项目拟建8栋16-17层高层住宅（含1栋17层保障房），以及5栋6层住宅，共计686户。小区人车分流；车位比约1:1.8，社区内部有水景、下沉式庭院。
项目配建地上架空层泛会所＋地下会所，以及下沉式庭院会所，打破人与空间边界的架空场域。会所设计整体空间祛除浮华矫饰，始终让景观以人为核心展开，整体景观规划以悬挑水池将⽔引⼊下沉⾃然⽔院，利⽤⽔幕链接，打造多层次景观，宛如⼀幅变幻的⽴体流动画作。会所区域配置风⾬连廊，以⽔景、绿篱、休憩平台串联，移步异景。
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
开放式的社交场域空间以自然留白，带来完整的地上园林体系，处处皆客厅的家庭化场景让公区和家一样舒适。它所传递的，不是传统意义的“豪宅感”，而是一种兼具归属感与文化感的“隐奢生活哲学”。
项目外立面要求采用石材、铝板等材质，金属部分应采用铝板、紫铜等防锈防腐蚀金属材料。
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
项目推售详情
项目将推出建面约112㎡、122㎡、145㎡高层3-4房以及建面约160-165㎡叠墅，共计624套，其中112户型为一梯两户，122户型两梯两户。
领先级湖前真叠墅
改善优选湖居三房
围绕改善家庭打造的满足家庭全生命周期成长的平权空间，诠释了招商蛇口对“好房子”的匠心追求，为改善家庭提供置业确定性。
建面约160㎡上叠|瞰景露台的宽境生活
上叠户型预计使用率最高约145%，拥有双阳台双露台、南北通透主卧套房。（非得房率，最终房屋得房率以实测报告为准）
最大约5.9m双阳台阔厅；首层拥有约3.3米层高，南北双露台、南北通透主卧套房。顶楼半坡空间，最高层高约2.2m。拥有独立玄关和观景外廊双重归家礼序。
建面约165㎡中叠|扩尺面宽的适逸人生
中叠户型预计使用率最高约95%，罕见5面宽、尊享通透双套房，最大18.4米南向面宽。（非得房率，最终房屋得房率以实测报告为准）
罕见5面宽、全景画框式开间，最大面宽约18.4米（边套），横厅约8.5米。双阳台与大飘窗，朗阔视野满足瞰景。约3.1m层高优越空间，独立前厅归家。尊享通透双套房，边套享270°主卧转角视野。
建面约165㎡下叠 | 通透采光的垂直空间革命
下叠户型预计使用率最高约148%，拥有地下室三面采光、LDKG双入户流线、南北通透主卧套房。（非得房率，最终房屋得房率以实测报告为准）
LDKG一体化格局，约5.9m横厅搭配270°全景飘窗，最大约10.9米三面宽采光。首层约3.3米层高，南北双入户系统。同时拥有约5.4米，美术馆级别层高的地下室，三面透光界面，超高实用性的垂直空间资产。
嘉定改善精装三房
建面约122㎡ 三室两厅两卫|进阶舒适改善户型
【建面约122㎡户型亮点】
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
开创式空间：层高跨代创新约3.1m，全飘窗与双门厅设计、可使用率（非得房率）约84%—88%
高拓空间：全明户型，南北通透、客餐分离，能够容纳1.2m直径圆桌、餐边柜等家庭聚会需求
宽景视野：超长面宽，搭配大面积玻璃窗，营造环幕景观视野
奢尺宽厅：约5米开间LDK一体化设计，与阳台充分融合，双动线客厅，照顾家庭全龄段体验
社交厨房：开放式U型厨房设计，宽奢尺度厨房操作台，让烹饪成为情感交流的舞台
套房主卧：约80cm宽飘窗，边套享270°转角飘，预留2个衣柜空间，满足奢华生活方式
极致收纳：122㎡户型全屋交付收纳量达8.2m³，约等于205个20寸行李箱的收纳空间
建面约112㎡ 三室两厅两卫| 拥有核芯CAZ的初代改善
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
LDBK一体化：餐客厨与阳台相连，通透全明格局，聚纳生活欢愉
高拓空间：独立L型玄关柜，预留超长餐边柜，进阶生活尺度
U型厨房空间：厨房借飘窗位，操作台面的宽度，舒展生活的温度
行政级套卧：主卧奢享步入式衣帽间，独立沐浴，犒赏家族起居
多飘窗设计：灵动飘窗空间，给全家人奢适，升华起居品位
建面约122㎡的3房产品，有几大亮点：
第一，类一梯一户的设计。
这种“隐形扩容”设计，不仅重构家庭生活秩序，更解锁了N种生活场景的可能性。
建面约122㎡创意展示间实景，具体以实际交付为准
第二，全屋交付收纳量达8.2m³，约等于205个20寸行李箱的收纳空间。
整个套内除了电梯厅外，还有大量的收纳空间。
例如进门的这个独立储藏空间：
还有餐边柜空间、大量的飘窗空间、厨房的柜子等等。
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
第三，约3.1米层高+边套户型4飘窗+建面约122㎡做3房，极致的尺度感。
建面约122㎡的3房本身就拥有超强的空间尺度感，再加上小高层的高得房率+多飘窗的设计，整个空间的尺度感相当惊人。
比如这个客餐厅：
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
建面约122㎡创意展示间实景，具体以实际交付为准
这个尺度感一般也只有在约140㎡以上的大平层中能看到。
主卧豪华套房的设计+约270°的巨型飘窗，这个尺度感和实用性真的很强。
建面约122㎡创意展示间实景，具体以实际交付为准
另外，由于双阳台的设计，北房间不仅能放下一张床，还有大量可以放下书桌、衣柜的空间，实用性超强。
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
建面约145㎡4房产品，目前嘉定新城的终极改善产品。
约3.15米的层高，恢弘大气；
独立电梯厅+半敞阳台+自由式飘窗，使用率（非得房率）约87-91%；
四开间南向面宽，大面积落地玻璃，边套更是打造了270°转角飘窗；
豪华主卧套房，双台盆独立卫浴保证了居住的私密性；
三阳台保证了各个卧室超强的尺度感和实用性；
每个样板间都是城市风华与时代印记的浓缩载体，即便怀揣高远意境，亦能扎根生活本质娓娓道来。在这里，设计师以开阔格局铺展视野，用柔和色调描摹质感，让整个世界都成为空间的延伸与点缀。
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
这大概就是我们对这里心生熟悉与眷恋的缘由，空间自带温柔本底，以从容姿态邀我们踏入，悄然铺就出一方避世桃源。
核桃木的醇厚色调萦绕空间，柔和天光浸润其间，令这处时代大平层满是生活烟火气。
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
理石肌理与白色调交织相融，构筑起通透基底，焦糖色家具自带温和诗意，与窗外城市景致遥相呼应，共同勾勒出生活的丰盈画卷。
色调与格局双双赋予家天生的松弛感，一体化构造中藏着巧思尺度，在饱满丰盈与留白写意间找到平衡，酝酿出独有的雅致美学韵律。
疏密有致
从容运作的融合之力
回望整个空间，你是否感受到独特的融合质感？它跳出传统简约的局限，也摒弃堆砌奢华的浮躁，所有元素皆有序叠加、疏密相宜，最终抵达美学的理想之境。
客餐厨顺势衔接、浑然一体，无一丝多余设计，美好生活的理想画卷徐徐展开。窗外高楼林立映江景，涛声阵阵入庭来，在这天然背景中，我们化身生活的主宰，肆意挥洒灵动笔触，为日常添彩。
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
空间的超强收纳力堪称点睛之笔，设计师执意回归其“容器”本质，既容得下宏观格局，也藏得住私属细节。这份由点及面的包容感，正是色彩、留白与格局交织共生的必然结果。
半隔断消解了生硬的尺度划分，空间迂回流转、互通共生，这份圆满通透的体验，构筑起家的核心生命力。
跟着我绕过浅绿隔断墙，一方雅致茶室便映入眼帘。白橡木打造的桌椅与置物柜，与空间背景自然相融、相得益彰。
柜内分区灵动顺畅，艺术品始终保持着规整秩序。茶香袅袅萦绕，身后万物在茶气浸染下，悄然生出别样意趣。品茗赏艺，时光从气韵到指尖，丝丝温润沁入丹田。
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
逛完这座样板间，你是否汲取了更多家的设计灵感？相较于空间与生俱来的尊贵感，设计本身的真、善、美反而更具吸引力。我们享受与空间产生共鸣的刹那，更对在此相聚的日常满怀憧憬。所以样板间的打造奥义，或许和家居空间一脉相承。
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
售楼处及现场实拍：
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）项目区位配套
【象屿远香湖岸】位于嘉定新城远香湖CAZ规划红线内，这是五个新城目前仅有的官宣的中央活动区，定位为嘉定新城中的综合功能中心与城市形象集中展示区，集聚国际住区、大型商业集群、摩天地标集群、科创科研企业集群、国际教育文化等功能为一体。（规划内容来自上海嘉定微信公众号）
如果说陆家嘴-外滩是整个上海的核心资源所在，那整个嘉定新城的核心资源就在远香湖中央活动区。
所以，远香湖中央活动区，就是整个嘉定新城的门面和“城市会客厅”。这是一个“被倾注了嘉定新城所有高端资源”的片区！
远香湖CAZ，总开发体量约531.4万㎡，规划公共服务建面约27.7万㎡，教育科研设计建面约71.6万㎡，商办体量约284.1万㎡。
产业方面：作为嘉定新城塔尖地段的远香湖CAZ打造的是总部经济集群，涵盖汽车城、智能传感、瑞金创新中心精准医疗特色产业等
远香湖CAZ效果示意图
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
公共服务方面：远香湖CAZ简直是城市地标集中营！嘉定图书馆、保利大剧院、五星级凯悦酒店早已名声在外。
同时，未来这里还将建设文化环、未来塔、活力谷等城市新地标建筑！（规划内容来自上海嘉定微信公众号）
· 文化环：除了现有嘉定图书馆、保利大剧院、江南书院、尚画美术馆外，围绕着远香湖未来还将打造立体儿童乐园、航模活动中心、嘉昆太路演中心等一系列高能级文化设施。
· 未来塔：位于CAZ的正中央，建成约300m，将成为嘉定甚至是上海西北第一高楼，是真正的C位地标（规划中）
· 活力谷：集商业和办公于一体的休闲创意街区。
示意图，仅供参考
教育方面：这里有全龄段精英教育资源！
幼儿园方面，有公立学校远香湖幼儿园和高端私立中国中福会幼儿园。
中小学方面，上海知名的公办学校：上海市实验学校嘉定新城分校、上海交通大学附届嘉定实验学校、上海市嘉定区新城实验学校。
都是九年一贯制的学校，也都是嘉定最好的顶级教育资源。
（注：相关教育设施仅为介绍周边教育资源，并不承诺为划片学区）
上海市实验学校嘉定新城分校实景图综上所述
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
作为远香湖CAZ规划红线内最后一块住宅用地，招商林屿湖畔错过不再。
未来业主将于城市地标为邻，享受到的必然是与国际接轨的潮流生活！
当然，即使着眼于现在，项目的生活配套也足够丰盛！
商业方面：项目周边大体量商业体环伺，包括西云楼、宝龙广场、万达广场、大融城、理想之地配套商业（在建）、吉宝绿地缤纷城等近40万方商业。略远些还有嘉定目前的商业地标约33万方的印象城Mega。
医疗方面：周边有三甲医院瑞金医院北院、嘉定区妇幼保健院、嘉定中心医院、上海嘉定中医医院嘉定新院等优质医疗资源，护航家人健康。
嘉定新城核心 一线“湖景+河景”
远香湖4.0迭代湖畔奢居产品
【招商·林屿湖畔】
加推建面约112-165㎡高层/叠墅
均价59708元/㎡ 12月19日认购
✅招商·林屿湖畔售楼处电话：400-8558-224✅︎✅︎✅
✅招商·林屿湖畔营销中心热线4008558224（官方预约看房热线）
招商·林屿湖畔售楼处电话：400-8558-224【售楼中心热线】招商·林屿湖畔营销中心热线4008558224招商·林屿湖畔售楼处地址400_855_8224，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，欢迎提前预约拨打招商·林屿湖畔售楼处电话400-855-8224
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。
