未来五年，买房与否将拉开巨大财富差距！内行人4点点醒你

Core Viewpoint - The wealth gap between those who buy homes and those who do not is expected to widen significantly over the next five years due to urbanization and housing policy adjustments [1] Policy Insights - The government is not discouraging home purchases but is instead providing "precise support" for good housing options, with over 1.6 trillion yuan allocated for key housing projects [2] - Financial policies are being optimized to reduce repayment pressure, including dynamic adjustments to mortgage rates and the elimination of distinctions between ordinary and non-ordinary residential properties [2] City Selection - The focus should be on cities where population is flowing, particularly core cities in the Yangtze River Delta and Pearl River Delta, as well as areas with strong urbanization potential [4] - First-tier cities have a new housing inventory turnover period of about 13 months, while third and fourth-tier cities face much longer periods, indicating higher risks of price declines [4] Timing Strategies - Timing is crucial for home purchases, with a new housing inventory turnover period of 12-18 months being ideal for stable prices [5] - Key signals to watch include the central bank's LPR rate adjustments and local government housing subsidies, which indicate favorable buying conditions [5] Asset Allocation - Real estate should constitute 50%-70% of total family assets to balance risk and opportunity, with a focus on quality properties in well-supported locations [6] - It is advised to maintain a manageable mortgage payment relative to monthly income and to avoid excessive leverage [6]