2025楼市行情别误判！有购房计划的家庭，建议看下这5条忠告

Core Viewpoint - The domestic real estate market in China is showing signs of recovery in transaction volume after the 2025 Spring Festival, driven by government policies aimed at stimulating the market. However, the overall market adjustment is expected to continue, and the optimism regarding a rebound in housing prices may be overly optimistic [1]. Group 1: Government Policies - The recovery in the real estate market is closely linked to a series of government measures, including the cancellation of purchase restrictions, lowering mortgage rates, increasing public housing loan limits, and tax exemptions [1]. Group 2: Cautions for Homebuyers - Caution 1: Prefer existing homes over pre-sale properties due to risks of unfinished projects and potential quality issues, especially with a significant debt maturity peak of 525.7 billion yuan in 2025 [3]. - Caution 2: Homebuyers should act within their financial means, keeping monthly mortgage payments within one-third of total household income, especially in the current economic climate [5]. - Caution 3: Be cautious when purchasing older homes, as they may have deteriorating conditions and higher loan rates, impacting overall investment value [6]. - Caution 4: Carefully evaluate discounted properties, as they may come with hidden issues that could lead to poor investment decisions [9]. - Caution 5: Avoid properties in remote suburban areas despite lower prices, as they may lack essential amenities and transportation, affecting quality of life [10][12].