Group 1 - The prediction made by Alibaba founder Jack Ma in 2017 about a significant drop in real estate prices has come true, with housing prices in first to third-tier cities experiencing substantial declines [1] - The belief that "buying a house guarantees profit" has been fundamentally challenged, leading to a psychological disconnect for many who were conditioned to think that homeownership was essential for financial success [3][5] - In 2025, the average price of second-hand residential properties across 100 cities in China fell by 7.46%, with third and fourth-tier cities facing even greater pressure to reduce prices to clear inventory [7] Group 2 - The auction of properties has seen drastic price reductions, such as a 301 square meter house in Beihai selling for just 59,000, equating to 1,985 per square meter, significantly lower than nearby listings [9] - The rate of unsold properties in legal auctions reached 80% in 2025, indicating a growing awareness that buying real estate may not only fail to yield profits but could also lead to financial losses [11] - Bank interest rates are declining, with major state-owned banks offering only 0.05% for current deposits and 0.95%-1.05% for one-year fixed deposits, leading to dissatisfaction among savers [13][15] Group 3 - The trend of low bank interest rates is expected to continue, with potential further reductions in rates as indicated by the Central Economic Work Conference in December 2025 [19] - Many high-interest deposit products are only available for new funds, leaving existing customers with lower rates, which complicates the savings landscape [21] - The financial environment in 2026 poses challenges for those holding savings, as traditional avenues for profit, such as real estate, are no longer viable, and the search for alternative investments increases the risk of falling into traps set by fraudsters [23][36] Group 4 - Recent incidents highlight the risks associated with seemingly legitimate investment products, such as the case of Shengyuan Environmental Protection losing nearly 80% of its investment in a private equity product within 21 days [25][28] - There is a proliferation of high-yield investment schemes that are misleading, with many not being actual deposits and posing significant risks to investors [30][34] - The financial regulatory body has warned that high returns are often accompanied by high risks, advising caution for those looking to invest their savings [34]
马云预言成真？2026年，手握存款的人，或将面临三大挑战
Sou Hu Cai Jing·2026-01-04 07:34