花100万，在北京五环内买房的人

Core Viewpoint - The article discusses the recent decline in housing prices in Beijing, highlighting how a new generation of young people, who previously missed out on the housing boom, is now seizing the opportunity to purchase homes as prices drop significantly [4][6]. Group 1: Housing Market Changes - Beijing's housing prices, which had not decreased for the past 20 years, began to decline in the second half of 2023, breaking the long-held belief that prices would remain stable due to the city's resources [10][11]. - Prices for previously high-value properties, such as school district homes, have dropped from over 10 million yuan per unit to around 3 million yuan, with some areas seeing prices as low as 20,000-30,000 yuan per square meter [11][13]. - Policies promoting real estate transactions have been introduced, including lower down payment ratios and adjustments to mortgage rates, making homeownership more accessible [13][14]. Group 2: Young Buyers' Experiences - Young individuals like "橙子" and "佳佳" are now able to purchase homes in Beijing, with "橙子" buying a 26-square-meter apartment for 1.05 million yuan after just three days of searching [8][10]. - Many young buyers are opting for smaller, older properties due to budget constraints, with prices for suitable homes often exceeding 1 million yuan [20][24]. - The mindset of these buyers is characterized by a cautious yet determined approach, often requiring them to make quick decisions in a competitive market [20][22]. Group 3: Market Dynamics and Buyer Sentiment - The article highlights a divide among potential buyers, with some quickly capitalizing on the price drop while others remain hesitant, waiting for further declines [26][34]. - The emotional aspect of home buying is emphasized, as many buyers view their purchases as a means of achieving stability and belonging in a city where they have previously felt transient [40][44]. - Concerns about future price fluctuations persist, with buyers weighing the risks of potential losses against the desire for homeownership [46].