现在卖掉房子，是聪明还是愚蠢？内行人一语道破，才发现我想错了

Core Viewpoint - The current real estate market is no longer a "one-size-fits-all" scenario, with significant differentiation between property types and locations [3][5]. Market Dynamics - In cities like Suzhou, the second-hand housing market is highly competitive, with older properties struggling to sell unless prices are significantly reduced [3]. - Conversely, high-quality new properties are in high demand, with developers investing heavily in aesthetics and functionality, leading to a supply-demand imbalance [5]. Property Categories for Sale - Category 1: Poor-performing assets that are unlikely to appreciate or rent out, such as old properties in undesirable locations, should be sold to avoid further depreciation [7]. - Category 2: Properties that can be exchanged for better opportunities, such as older buildings in prime locations being sold for newer, more desirable units, can provide stable cash flow [8]. Properties to Hold - Category 1: Properties in core urban areas undergoing redevelopment may benefit from government incentives and infrastructure improvements, making them valuable to hold [9]. - Category 2: High-quality improvement housing that meets national standards is receiving favorable policy treatment, making it wise to retain these assets [9]. - Category 3: Properties with rental yields above 2% are recommended for holding, especially those yielding over 3%, as they provide stable cash flow during market downturns [9]. Financial Considerations - Mortgage rates have been decreasing, reducing monthly payment burdens for homeowners, which may lead to increased affordability and potentially higher property prices in the future [10].