马云预言应验了？2025下半年手中有存款的人，或将面临3大现实？

Group 1 - The core viewpoint of the article highlights the significant decline in the real estate market, with average housing prices dropping over 30% since 2021, aligning with predictions made by Jack Ma in 2018 about housing prices becoming very low [1] - In certain third and fourth-tier cities, housing can now be purchased for just tens of thousands to over a hundred thousand yuan, further validating Ma's earlier predictions [3] Group 2 - The current deposit market is characterized by three significant realities, the first being a continuous decline in deposit interest rates, with three-year fixed deposit rates dropping from 3.05% to 1.5%, resulting in a decrease of 1550 yuan in annual interest income for a 100,000 yuan deposit [5] - The second reality is the increasing risk of bank bankruptcies, with several small banks having declared bankruptcy since 2020, raising concerns about the safety of deposits in these institutions [7] - The third reality involves high risks associated with investments and entrepreneurship, as many individuals face significant losses in stock markets and funds, with some funds experiencing losses of up to 20% last year, leading to a general reluctance to invest or start new businesses [11]