✅MERCEDES-BENZ PLACES BY BINGHATTI国内售楼处电话：400-8558-224✅︎✅︎
✅✅MERCEDES-BENZ PLACES BY BINGHATTI国内营销中心热线4008558224（官方预约看房热线）
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预约方式：可提前拨打官方热线✅MERCEDES-BENZ PLACES BY BINGHATTI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。
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当“品牌住宅”还停留在一两栋高端公寓的阶段时，迪拜已经把这件事，直接拉到了城市级别。
近日，由迪拜知名开发商Binghatti携手Mercedes-Benz打造的Mercedes-Benz Places by Binghatti项目正式亮相——
这不仅是一处豪宅项目，更是全球首个 100% 奔驰品牌城市。
✅MERCEDES-BENZ PLACES BY BINGHATTI国内售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI国内营销中心热线4008558224（官方预约看房热线）
不只是住宅，而是一整座“奔驰生活方式城市”
项目整体规划为12 座标志性高端塔楼，在迪拜核心区域构建一个真正意义上的“城中之城”，涵盖居住、商业、社交、休闲与生活方式配套，形成完整闭环。
项目方给出的定义很明确：
这是在输出一种与奔驰品牌高度一致的高端生活方式系统。
从建筑语言、空间设计，到社区氛围、生活场景，奔驰的设计哲学和品牌基因将贯穿始终。这也是该项目被业内视为重新定义全球品牌住宅标准的重要原因。
✅MERCEDES-BENZ PLACES BY BINGHATTI国内售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI国内营销中心热线4008558224（官方预约看房热线）
为什么说它“全球唯一”？
在全球范围内，奔驰并非第一次涉足房地产，但以“城市规模”完整落地，这是第一次。项目的稀缺性体现在几个层面：
- 全球唯一性
世界首个、也是目前唯一一个奔驰品牌城市，难以复制 - 品牌溢价能力
Mercedes-Benz 作为全球顶级奢华品牌，本身就是价值放大器 - 社区规模感
12 座塔楼 + 完整配套，而非一栋“贴牌豪宅” - 长期资产属性
从住宅升级为“品牌城市资产”，逻辑更接近收藏级不动产
简单来说，这是一个可持续运营、具备长期品牌溢价的城市级资产。
价格与节奏：一期的价值在哪里？
从市场角度看，当前阶段最大的看点在于一期价格红利。
据项目规划，奔驰城将分期推出，一期为最低价格进入周期。按照开发节奏与品牌项目的常规逻辑，后续每一期价格预计将出现5%–10% 的阶梯式上调。
这也是不少投资者关注的核心逻辑：
- 早期进入，锁定品牌城市的底部价格
- 随着项目逐步兑现，享受品牌与区域的双重溢价
- 对标传统品牌住宅，一期往往是风险最低、弹性最大的阶段
- ✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
Mercedes-Benz Places
Mercedes-Benz Places by Binghatti 的出现，其实释放了一个非常清晰的信号：
迪拜的高端住宅，正在从
“地段 + 豪装”
升级为
“品牌 × 城市 × 生活方式”。
当住宅开始以“城市”为单位被打造，资产逻辑也随之改变。
这不仅是居住选择，更是一种全球化资产配置的新范式。
而世界第一个吃螃蟹的城市，依然是迪拜。
项目亮点与优势
亮点一：由迪拜领先开发商 Binghatti Properties打造，严格控制质量并确保项目的按时交付。
Binghatti Properties 是一家总部位于迪拜的快速成长的房地产开发公司，以其独特的建筑设计和创新的开发理念而闻名。该公司隶属于更大的Binghatti Holding集团，业务涵盖多个领域，包括房地产、酒店管理和食品饮料。
Binghatti Properties 通过开发高质量的住宅和商业项目而崭露头角，通常将大胆的建筑概念与实用且具有价值的设计相结合。其项目选址战略性强，位于迪拜的黄金地段，如商业湾、棕榈岛和朱美拉村，覆盖豪华和可负担的住房市场。
✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
Binghatti Properties 的一大优势是其垂直整合的商业模式，公司内部拥有制造钢铁和铝等关键建筑材料的能力。这使他们能够严格控制质量并确保项目的按时交付。公司因其高效性而获得了迪拜土地局的认可，被评为最快的房地产开发商之一。
✅MERCEDES-BENZ PLACES BY BINGHATTI国内售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI国内营销中心热线4008558224（官方预约看房热线）
此外，Binghatti 正在国际市场扩展，尤其是在沙特阿拉伯利雅得开设新办事处，探索新的发展机会。公司也因其高调的合作项目而备受关注，例如与布加迪合作的豪华开发项目，同时还不断推出针对本地和国际投资者的多个新项目。
优势二：位于迪拜皇室区的尊贵生活与卓越投资之选。
项目位于迪拜的Meydan（美丹），迪拜心脏区域。
美丹作为迪拜的“皇室区”享有独一无二的地位和吸引力，是由迪拜皇室重点支持的区域之一。这个标签不仅赋予美丹高端的生活格调，更体现了迪拜皇室对该区域发展的重视和投入。
✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
这种“皇室区”的标签也极大地提升了美丹的投资潜力，带来了稀缺性和长远的增值空间。对于投资者来说，选择美丹不仅是对优质生活的追求，更是参与和共享迪拜未来发展的机会。
作为皇室区，美丹拥有着不可复制的地位，这种地位带来了独特的增值优势，使得美丹成为高端生活和卓越投资的完美结合。
优势三：文化与娱乐设施的丰饶。
美丹区域内多种文化与娱乐设施丰富了居住体验。世界级的马术中心与赛马场是区域亮点，每年吸引众多国际游客。除此之外，高端的购物中心、奢华餐厅和娱乐场所也让这里成为时尚与潮流的集中地。
美丹以其特有的文化气息与多样化的活动选择，成为居民生活中不可或缺的一部分，让人既能享受悠闲娱乐，又能接触到全球化的时尚脉动。
优势四：精英级物业管理：尊享奢华生活体验
物业管理堪称一流水平，由经验丰富的团队提供精致、个性化的服务，确保居民的日常需求都能被悉心照顾。
从安保到园林，从设施维护到个性化的居家服务，美丹的物业管理团队追求卓越，专注于细节，为住户营造安心、无忧的居住环境。
精英级的管理服务不仅让生活更便利，还提升了物业的整体价值，赋予居民一种无与伦比的尊崇感，使这里的生活成为一种值得品味的奢华体验。
✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
优势五：自由区特权：投资者与企业的理想乐土
美丹作为迪拜的自由区之一，拥有政策与经济上的双重优势，吸引了全球投资者和企业家在此扎根。
这一特权赋予美丹区域的物业和企业更大的财务和运营灵活性，无需缴纳企业所得税或个人所得税，并且允许外籍人士百分之百的产权拥有权，使得这里成为外籍投资者青睐的投资宝地。
自由区地位不仅激发了商业活力，还为企业提供了政策保护和经营自由，带动了经济的繁荣与多元化发展。
在美丹，自由区的优势将事业与生活紧密相连，既能享受政策优惠，又可坐拥商业良机，真正实现“投资在美丹，生活在迪拜”的理想。
投资区域 迪拜美丹
迪拜美丹（Meydan）是一个充满活力的高端社区，融合了豪华生活、商务、娱乐和运动设施，位于迪拜市中心的西南方向，距离著名的迪拜市中心仅十分钟车程。
美丹区因其马术比赛和赛马设施而闻名，被称为“世界赛马之都”。该区域不仅设有著名的美丹赛马场（Meydan Racecourse），每年举办世界知名的迪拜世界杯赛马（Dubai World Cup），还拥有马术迷们梦寐以求的赛马俱乐部和顶级马场，为国际精英们提供了一流的观赛和社交体验。
✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
美丹区的开发充分展现了迪拜的现代化和创新精神。近年来，该区域逐步从单一的体育娱乐中心转型为高档住宅和商业综合体。
美丹大道（Meydan Avenue）是该区域的一大亮点，集住宅、酒店、购物和餐饮设施于一体，为居民和游客提供了一站式生活体验。
这里的住宅项目注重高品质的建筑设计和奢华的生活方式选择，例如美丹的豪华公寓、别墅和联排别墅，不仅提供宽敞的空间和先进的设施，还常常拥有绝美的城市景观或高尔夫球场景致。
✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
在商业和教育方面，美丹区也设有优质的办公空间和一流的教育机构，吸引了众多企业和家庭的青睐。
美丹One（Meydan One）项目的启动更是为该区域增添了新的活力和吸引力。美丹One不仅拥有巨大的购物中心、世界上最长的室内滑雪道，还计划建设人工沙滩和游艇俱乐部，为居民和游客带来全新的生活方式和休闲娱乐体验。其购物中心还计划开设多个奢侈品牌店、国际餐厅以及多元化的娱乐设施，使其成为迪拜的新地标之一。
此外，美丹区还注重生态环境和可持续发展，在规划中设有大量绿地、公园和水景，为居民提供健康舒适的生活环境。
地理位置
区域： Meydan（美丹）—— 迪拜核心发展区、高端社区密集区
通勤时间：
- 距 Downtown Dubai：约 5 分钟
- 距 Burj Khalifa：约 7 分钟
- 距 DIFC 国际金融中心：约 10 分钟
区位价值总结：
- 位于迪拜核心腹地，非远郊新区
- 未来城市扩张重点区域，成长性强
- 快速连接主干道，通达性极佳
配套设施
1. 美丹One（Meydan One）购物中心
美丹One是美丹区的核心项目，拥有超大型购物中心，涵盖奢侈品商店、精品餐厅和丰富的娱乐设施。这座购物中心还包含全球最长的室内滑雪道、人工沙滩和游艇俱乐部，创造出独特的休闲生活方式。未来，这里将成为迪拜的购物和娱乐地标，为居民和游客提供一站式的购物体验。
✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
2. 教育设施
美丹周边拥有多所国际学校，满足家庭对优质教育的需求。周围是知名的国王学院(Kings)、雷普顿学院(Repton)、哈特兰国际学院(Hartland International)和肯特学院(Kent College)，街区学术气息浓厚，提供多元化的课程体系。优质的教育资源让美丹区成为家庭居住的理想选择。
3. 医疗设施
美丹区附近的医疗设施完善，确保居民能够方便地获得医疗服务。迪拜健康城（Dubai Healthcare City）和Medcare医院均位于美丹区周边，提供从常规检查到专科医疗的全面服务，进一步提升了该区域的居住便利性。
4. 体育和休闲设施
美丹区为体育爱好者提供了丰富的选择，最具代表性的当属美丹赛马场。这里每年举办的迪拜世界杯吸引了全球赛马迷。此外，区域内还设有多个高尔夫球场和美丹酒店的高端水疗中心和健身设施，为居民的健康和娱乐生活提供了多样选择。
✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
5. 自然绿地
美丹区的周边环境融合了自然景观和现代城市规划。区域内和周边设有多个公园和绿地，例如Ras Al Khor湿地保护区，为追求户外活动和生态生活的居民提供了天然的休闲空间。
6. 高端住宅配套设施
- 整层高端配套空间
- 顶级健身房（Gym）
- 游泳池（Pool）
- SPA 与康体空间
- 瑜伽室 / 运动设施
- 社交休闲区
- 联合办公空间
- 设计关键词：精准 · 性能 · 优雅 · 奢华
- ✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
户型与价格
1️⃣ 一期定位
市场首次进入（Market Entry）
锚定最低价格体系
收藏级首发阶段
2️⃣ 一期塔楼组成（共 5 座）
Maybach 6： 2 座（旗舰系列）
Maybach Ultimate Luxury： 2 座
Maybach： 1 座
3️⃣ 一期总房源
约 4,000 套释放
付款计划：20-50-30
完工时间：2028/Q3
✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
室内设计
✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI营销中心热线4008558224（官方预约看房热线）
✅MERCEDES-BENZ PLACES BY BINGHATTI售楼处电话：400-8558-224✅︎✅︎✅✅MERCEDES-BENZ PLACES BY BINGHATTI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。
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