楼市大局已定！未来国内超过41.5%的家庭，不得不面临3大问题

Core Viewpoint - The real estate market is undergoing significant changes, leading to challenges for families as their wealth tied to property diminishes and future uncertainties loom [1] Group 1: Challenges Faced by Families - Challenge 1: Family asset depreciation and liquidity issues. Property values are declining, with a notable drop in sales prices across major cities, leading to a potential 3% annual asset shrinkage for homeowners [2] - Challenge 2: Aging population necessitating home modifications. With over 300 million people aged 60 and above in China, families face the urgent need for home renovations to accommodate elderly care, which can cost between 120,000 to 150,000 yuan [3][5] - Challenge 3: Increased employment and income uncertainty, coupled with repayment pressures. The real estate sector's downturn affects over 100 related industries, leading to job losses and financial strain for families managing multiple loans [4] Group 2: Recommendations for Families - Optimize asset allocation by reducing reliance on real estate and increasing financial asset holdings to enhance liquidity and risk resilience [9] - Plan for elderly care needs proactively, including understanding local subsidy policies for home modifications to alleviate financial burdens [9] - Maintain stable cash flow by minimizing unnecessary expenses and seeking additional income sources to navigate market uncertainties effectively [9]