一线城市房价或迎补跌，45%多套房家庭如何应对？给您4点建议

Core Insights - The average price of commercial housing in China is projected to decline by 32% from its historical peak by 2025, with the total number of second-hand homes listed exceeding 120 million [1] - A significant portion of families owning two or more properties (45%) are facing unprecedented asset protection challenges due to the ongoing real estate market downturn [1] Market Dynamics - Since 2022, the domestic housing market has entered a technical bear market, with prices in cities like Langfang halving and Yanjiao experiencing a 58% drop [1] - Even first-tier cities are affected, with prices outside Beijing's Fifth Ring Road falling by 18% from their 2021 peak, and second-hand home prices in suburban Shanghai often below cost [1] Asset Impact - A central bank survey indicates that 45% of families have over 70% of their total assets tied up in real estate, meaning a 10% drop in housing prices results in a 7% decrease in total assets [1] - For a typical family with two properties valued at 5 million yuan each, a price drop to 4 million yuan would lead to a loss of 200,000 yuan in total assets [1] Supply and Demand Imbalance - As of March 2025, major cities in China have recorded unprecedented second-hand home listings, including: - Chongqing: 338,000 units - Wuhan: 196,000 units - Guangzhou: 172,000 units - Beijing: 134,000 units [3] - This supply-demand imbalance has significantly extended transaction cycles, with the average transaction period for second-hand homes reaching 278 days in Q1 2025, an increase of 93 days from 2021 [3] Cost Pressures on Property Owners - Multi-property owners are facing a "triple squeeze" on costs, including: - Rising property management fees, with fees in a mid-range community in Beijing increasing from 2.8 yuan to 4.2 yuan per square meter [5] - Expansion of property tax trials, with rates in Shanghai and Chongqing reaching 0.4% [4] - These challenges exacerbate the survival environment for multi-property owners, intensifying the pressure to protect their assets and necessitating the search for viable strategies to navigate future uncertainties [6]