马云说的真准？2025下半年，手中有存款的人，或面临2大现实？

Group 1 - The core viewpoint of the article highlights that the real estate market in China has entered a long-term adjustment phase, with prices declining significantly since 2022, aligning with Jack Ma's earlier prediction that housing prices would become very affordable [3][4][8] - As of September, the average price of second-hand residential properties in 100 cities was 13,381 yuan per square meter, reflecting a year-on-year decrease of 7.38%, marking 41 consecutive months of month-on-month price declines [3] - In many third and fourth-tier cities, housing prices have dropped to levels where a home can be purchased for tens of thousands to over a hundred thousand yuan, indicating a shift towards affordability [3][4] Group 2 - The article discusses the rising risks in the investment landscape, particularly as bank deposit rates have fallen from 3.05% to 1.55%, prompting individuals to withdraw savings for investment and entrepreneurship [4][6] - Despite various government policies aimed at stabilizing the real estate market, such as lowering mortgage rates and taxes, the article suggests that these measures may only temporarily slow down the price decline rather than reverse the overall downward trend [6][8] - The article warns that the probability of success in entrepreneurship is currently low due to factors such as intense competition, rising operational costs, and a shrinking consumer demand, which has led to a cautious approach to spending among consumers [10]