大局已定，房地产该如何破局？哪个才是最关键的救市举措？

Core Insights - The current real estate market remains sluggish, but the pace of decline is slowing due to multiple favorable policies, making it crucial to stabilize the market quickly [1] - The "buy high, not low" mentality significantly influences market behavior, leading to a rational wait-and-see attitude among potential homebuyers [3] - The real estate sector, being capital-intensive, faces a vicious cycle where lack of funds affects all stakeholders, including developers and consumers [3] - The need for policy adjustments is emphasized, as the market requires regulation to prevent further deterioration [5] - The transition from a rough development model to a refined approach in real estate is underway, indicating a shift towards high-quality urban renewal [7] - A combination of measures is necessary to address the real estate challenges, rather than relying on a single solution [9] Policy and Market Dynamics - The real estate market's supply-demand relationship has changed significantly, necessitating a reevaluation of policy direction [5] - Regulatory measures are essential to manage overheating or cooling in the market, highlighting the importance of government intervention [5] - The development of a new real estate model is seen as a major opportunity, with suggestions for establishing large housing banks to manage inventory and support rental housing [7] - Lowering mortgage rates and related taxes is critical to reducing home buying costs and alleviating financial burdens on residents [7] Future Outlook - The real estate sector is expected to undergo adjustments that are already anticipated, representing a necessary recalibration following a period of overheating [5] - As the economy recovers, consumer confidence in purchasing homes, especially for upgrades, is expected to gradually return [9] - The banking sector is identified as a key player in facilitating this transition, with a call for responsible lending practices [7]