手握100万存款，这两年该买房还是存银行？曹德旺一番话说明白了

Core Viewpoint - The Chinese real estate market continues to face severe adjustments, with average second-hand residential prices in 100 cities dropping to 15,173 yuan per square meter, marking a 22-month consecutive month-on-month decline [1]. Group 1: Market Conditions - In February, the average price of second-hand residential properties fell to 15,173 yuan per square meter, with 99 out of 100 cities experiencing month-on-month price declines [1]. - The number of cities with declining prices has exceeded 90 for nine consecutive months, indicating a persistent downturn in the market [1]. - Despite various government policies aimed at stimulating demand, such as relaxing purchase restrictions and lowering mortgage rates, the effectiveness of these measures has been limited [1]. Group 2: Investment Perspectives - There are two contrasting viewpoints regarding investment decisions in the current market. One perspective suggests that favorable policies signal a good time to buy, especially as bank deposit rates decline [3]. - Conversely, a cautious viewpoint highlights the significant risk of a real estate bubble, suggesting that storing funds in a bank is a safer option compared to purchasing property [5]. - Notable entrepreneur Cao Dewang argues that real estate has become a "hot potato" among the wealthy, and its value may ultimately depreciate, recommending that individuals with 1 million yuan should consider saving rather than buying property [5]. Group 3: Financial Implications - Storing 1 million yuan in a bank could yield approximately 20,500 yuan in annual interest at a 2.05% interest rate, which can help cover living expenses [7]. - Purchasing property would likely lead to substantial mortgage debt, significantly reducing disposable income and increasing financial pressure [7]. - In the current market environment, saving money in a bank is viewed as a more prudent and stable choice compared to buying real estate, which is perceived as less reliable for value retention [9].