大变局！2025年下半年，房子、车子、存款正在发生新变化

Group 1: Real Estate Market - The real estate market is shifting from "asset appreciation" to "housing for living," with policies emphasizing the need for affordable housing [3][4] - The inventory cycle for commercial housing has extended to 28 months, with some cities experiencing new home prices lower than second-hand homes [3] - New regulations have improved actual housing rates by an average of 15%, ending the era of "paying for air" [3] - Shared ownership housing is being promoted in urban core areas, providing affordable options for young people [4] - The "housing ticket" policy is replacing cash compensation in demolition projects, reducing price volatility by 40% in affected areas [4] Group 2: Automotive Market - Potential car buyers are advised to purchase sooner rather than later due to impending tax changes [5] - The exemption on new energy vehicle purchase tax will end in 2025, with significant savings available for early buyers [7] - A new battery recycling policy is expected to increase the resale value of electric vehicles by 20% [7] - New regulations prohibit the trading of vehicles that have been registered for less than six months, enhancing market transparency [9] Group 3: Financial Management - The central bank is signaling further interest rate cuts, with one-year deposit rates dropping to 0.95% [10] - The personal pension contribution limit may be increased from 12,000 to 24,000 yuan, allowing for greater savings [10] - Younger generations are increasingly favoring diversified investment strategies, with 78% of users aged 25-35 opting for gold ETFs as a core asset [10]