未来5年，持有“2套”及以上房产的人会面临2大难题，征兆已显现

Core Viewpoint - The Chinese real estate market, which has experienced significant price increases since the housing reform in 1998, is now facing challenges due to market saturation and government regulations aimed at curbing speculation and promoting affordable housing options [1][2][4][6] Group 1: Market Dynamics - The rise in real estate prices has led to the emergence of "speculators" and a booming real estate agency industry, with large enterprises and institutions also participating in property accumulation to create a false sense of demand [1] - Government policies are shifting towards a "rent and purchase" model, with an emphasis on affordable housing options like rental and shared ownership, which will limit the potential for significant price increases in the commodity housing market [2][4] Group 2: Challenges for Property Owners - Investors holding multiple properties will face increased difficulty in liquidating their assets due to a saturated market and the competitive nature of government-subsidized housing options [2][6] - The risk of asset depreciation is significant, as the actual purchasing power of money decreases over time, meaning that even if property values remain stable, their real value may diminish [4][6]