现在卖房是聪明还是犯傻？行家一句点透，庆幸知道早了！

Market Overview - The current real estate market is characterized by price differentiation and ongoing policy adjustments, with national housing prices under pressure but structural opportunities emerging [3][4] - In July, first-tier cities saw new home prices decrease by 1.1% year-on-year, while Shanghai experienced a 6.1% increase, indicating a divergence in market performance [3][4] - The government has implemented various policies to stabilize the market, including subsidies for families with multiple children and adjustments to housing loan policies [4][5] Policy Impact - Demand-side policies include significant subsidies for families purchasing homes, such as Wuhan's 60,000 to 120,000 yuan subsidies for families with two or three children [4][6] - Supply-side measures involve extending housing loan limits and introducing new transaction transparency measures to reduce risks [5][6] - Financial policies maintain low mortgage rates, with the 5-year LPR at 3.5% and the lowest mortgage rates at 3.15% for commercial loans [5] Market Trends - The proportion of existing home sales is increasing, with 26.5% of residential sales being existing homes in 2024, up 16 percentage points from 2020 [10] - The conversion of existing homes to affordable housing is impacting the second-hand market, particularly in third and fourth-tier cities, where prices are declining [10][11] - The definition of "good housing" is evolving, with a focus on quality upgrades and smart home features, leading to increased demand for modern properties [10][11] Seller Strategies - Sellers in urgent need of cash should consider pricing strategies and tax optimization to facilitate quick sales [12] - Investors holding non-core assets are advised to liquidate these properties and reinvest in prime locations or new developments with growth potential [12] - Awareness of the timing of subsidy policies is crucial for sellers to maximize benefits before potential reductions [12]