今明两年卖房，是假“聪明”还是真“蠢”？金融大佬一语道破

Core Viewpoint - The real estate market has been adjusting for three years, and despite various policy incentives, the situation remains complex and uncertain. Homeowners with multiple properties are faced with the dilemma of whether to sell now or wait for a potential price recovery [1]. Group 1: Factors to Consider for Selling Property - Assessing cash flow pressure is crucial; many individuals are experiencing salary cuts and job losses, leading to tighter cash flow. Those in a healthy financial position may not need to rush to sell, as making a profit is unlikely, and avoiding losses is a reasonable outcome [3][5]. - The scarcity of the property plays a significant role in its value. Properties in less desirable locations or with issues such as poor lighting or proximity to noise sources have limited appreciation potential. Selling these properties sooner may be advantageous to avoid further depreciation [5]. - Future appreciation potential should be evaluated. Historical trends indicate that property values generally increase over time due to factors like currency depreciation. Understanding a city's future development potential can inform whether to sell now or hold for future gains [9]. Group 2: Industry Recommendations - Properties in core urban areas should be held. If located in first or second-tier cities with stable population inflow and good amenities, these properties are likely to retain value and should not be sold hastily [15]. - Properties in third and fourth-tier cities should be sold sooner if they are in areas experiencing population outflow and increasing vacancy rates. Delaying the sale may lead to greater losses [17]. - For properties in small towns or less populated areas, the decision to sell should depend on individual circumstances. While prices may have bottomed out, the potential for future appreciation is minimal. If facing significant financial pressure, selling may be wise; otherwise, holding for a potential rebound could be considered [19]. Conclusion - The logic of the real estate market has fundamentally changed, and decisions to sell should not be made impulsively. A careful analysis of personal financial situations and property appreciation potential is essential to avoid regrettable outcomes [20].