2026，房地产要下猛药了！

Core Viewpoint - The article emphasizes the need for a significant and decisive policy shift in the real estate sector, moving away from incremental measures to a more robust approach to stabilize the market [1][15][21]. Group 1: Policy Shift - The article highlights a call for a comprehensive and immediate policy response to the real estate market, indicating that previous "drip-feed" strategies have been ineffective [1][14][16]. - It suggests that the government should eliminate restrictive measures in one go, rather than making gradual adjustments that fail to engage the market [18][19]. Group 2: Economic Importance of Real Estate - The commentary underscores the financial attributes of real estate, asserting that it is a significant financial asset with broad societal implications [6]. - It notes that real estate is a crucial component of national economic stability and a primary source of wealth for households, with real estate accounting for 59.1%-77.2% of household wealth compared to only 20% in financial assets [7][12]. Group 3: Impact of Housing Prices - The article states that a 1% decline in housing prices results in a wealth loss of approximately 3 trillion yuan, with a 10% drop leading to an average household wealth reduction of 500,000 yuan [8]. - It points out that in major cities like Beijing, Shanghai, and Shenzhen, housing prices have decreased by nearly 40%, resulting in significant financial losses for households [9]. Group 4: Future Expectations - The article anticipates a more aggressive policy approach in 2026, with expectations of reduced tax burdens and lower mortgage rates to stimulate the housing market [22][23]. - It mentions that the Loan Prime Rate (LPR) has already seen a reduction, and further cuts are expected, potentially lowering mortgage rates significantly [24][25][26].