专家曾预言二孩政策催生潮，现实却是高房价让年轻人不敢生

Group 1 - The core issue affecting China's declining birth rate is high housing prices, which create significant financial burdens for families and discourage them from having more children [4][8][18] - The Chinese government has implemented various policies to encourage childbirth, including integrating assisted reproductive technology into health insurance and providing direct maternity benefits [6][20] - Despite these efforts, the high cost of housing remains a major obstacle, as families struggle with mortgage payments and other living expenses, leading to a reluctance to have more children [11][14][27] Group 2 - The government is focusing on housing reform as a key strategy to address low birth rates, aiming to stabilize the real estate market and make housing more affordable for families [18][21] - Recent data indicates a shift in the housing market, with declining prices in first-tier cities and increased construction of affordable housing to support young families [20][23] - Local governments are introducing targeted housing incentives for families with multiple children, such as subsidies and relaxed purchasing qualifications [25][29] Group 3 - The housing reform is seen as a crucial step, but it must be accompanied by measures to reduce the overall cost of raising children, including education and healthcare expenses [27][29] - The need for a supportive environment for families, including workplace protections for women and accessible childcare, is emphasized to encourage higher birth rates [29] - Long-term solutions to the population issue will require coordinated policies across various sectors, including housing, education, and employment, to restore confidence in family planning [29]