Core Viewpoint - The ongoing adjustment in the national real estate market has led to significant price drops in many cities, sparking discussions on whether 2025 is a good time to buy a home. There are differing opinions, with some viewing it as a buying opportunity while others believe there is still room for further declines, suggesting a wait-and-see approach. Group 1: Key Indicators for Home Buying Decision - Monitoring the ratio of mortgage burden to household income is crucial. A healthy standard is that monthly mortgage payments should not exceed 30% of total household income. If first-time buyers are required to allocate over 45% of their income to mortgage repayments, entering the market in 2025 may not be wise [3]. - Examining the disparity between housing prices and personal income is essential. Currently, the price-to-income ratio in second and third-tier cities ranges from 20 to 25, while in first-tier cities like Shanghai and Shenzhen, it exceeds 40. A reasonable price-to-income ratio should be between 12 and 15, indicating that families can afford a home without extreme financial strain [5]. - Keeping a close watch on rental price trends is important. Nationwide, rental prices are generally declining, which correlates with decreasing household incomes. For instance, in Shanghai, the monthly rent for a 35 square meter one-bedroom apartment has dropped from 4000 yuan to 3300 yuan [6]. Group 2: Market Trends and Implications - The ongoing decline in rental prices, coupled with high housing prices, is leading more young people to prefer renting over buying. If the trend of falling rents continues, it suggests that housing prices may still face downward pressure [8]. - Not all regions are experiencing the same real estate market conditions. Some cities have seen extreme cases of significant price drops. For example, a residential property in Tianjin's Wuqing district fell from 1.6 million yuan in 2016 to 390,000 yuan, a drop of 1.21 million yuan. Similar situations have occurred in Yanjiao, where a property that peaked at 3.1 million yuan in 2017 is now listed at 680,000 yuan, reflecting a 78% decline [8]. - Even first-tier cities like Shanghai and Shenzhen are not immune to price declines. In Shanghai's Minhang District, the price per square meter dropped from 96,000 yuan in 2021 to 48,000 yuan, nearly halving in just four years. Since early 2022, national housing prices have been on a downward trend for three consecutive years, with an average decline of nearly 30% across the country [8].
160万买的房子，跌到39万，2025年到底还能不能买房？
Sou Hu Cai Jing·2025-10-22 06:04