马云预言成真？不出意外，手上有2套以上房子的家庭或面临4大难题

Core Viewpoint - The article discusses the current challenges faced by families owning more than two properties in the Chinese real estate market, highlighting a significant decline in property values and increasing financial pressures [3][5][7]. Group 1: Market Trends - The Chinese real estate market has entered a downward trend, with property prices in second and third-tier cities declining first, followed by first-tier cities [5]. - As of November, the average price of second-hand residential properties in 100 cities was 13,143 yuan per square meter, showing a month-on-month decrease of 0.94% and a year-on-year decrease of 7.95% [5]. - The decline in property prices has persisted for 43 consecutive months, indicating a long-term adjustment trend [5]. Group 2: Challenges for Property Owners - Families owning more than two properties are facing four major challenges, including the continuous depreciation of property values [3][5]. - The financial burden of holding multiple properties is increasing due to rising costs such as property management fees, heating fees, and maintenance funds [7]. - The ability to liquidate properties is becoming increasingly difficult, with the number of second-hand homes listed for sale exceeding 7.3 million nationwide [10]. Group 3: Rental Market Dynamics - The feasibility of using properties to cover mortgage payments ("以房养贷") is diminishing due to falling rental prices [12]. - The decline in rental demand is attributed to population outflows in smaller cities and high living costs in larger cities, leading to a decrease in rental prices [12].