大行五年期定期存款利率已低于一线城市商品房租金房价比 金十数据5月20日讯，中国银行、工商银行、建设银行等国有大行于5月20日下调人民币存款利率，其中 三年期和五年期均下调25个基点，分别至1.25%和1.3%。记者从中指研究院获取的最新数据显示，2025 年4月，北上广深四个一线城市租金房价比分别为1.49%、1.68%、1.63%、1.49%。租金房价比主要是衡 量租金收益的重要指标。 （21财经） ...

Group 1 - The latest survey by the China Index Academy indicates that the home buying intention among residents has increased, with approximately 16% expressing a willingness to purchase, up by 0.8 percentage points from the previous month [1] - There is a notable recovery in confidence regarding property prices in lower-tier cities, with expectations of price declines decreasing to about 53%, an increase of 2.4 percentage points [1] - The expectation of rising property prices has also grown, with 17% anticipating price increases, up by 3.4 percentage points, reflecting an overall improvement in residents' future price expectations [1] Group 2 - Investment willingness among respondents has improved, with 29% indicating a desire to invest, an increase of 10.7 percentage points [1] - Future market trends are expected to be positively influenced by favorable policies, including urban renewal initiatives and potential reductions in home purchase thresholds and increased subsidies [2] - The support for policies related to the acquisition of existing properties is anticipated to strengthen, which may accelerate the revitalization of existing stock [2]

嘿，先给你们说个事，昨晚经读者提醒我发现我的号有划线评论功能了，就是文章里划线的段落，你们点进去可以写评论，写完了我在后台给翻出来。 比如昨晚讲违规处罚的那一段，就有不少人评论，我翻了几个出来，可以点赞互动。 需要说明的是这里面的评论也是 博主精选 才对外展示，这样好，不然你们胡言乱语把我连坐给害了。我在翻正文评论那会没时间，但等我下钟后我会翻 一些写的好玩的评论出来，反正就是手指点点一小会功夫，不耽误时间。 所以欢迎你们积极留言，那里栏位更多，我会给大家更多机会展示的。 …… 先是每个月例行的给大家更新70个月大中城市的房价指数，4月的数据出来后有些出乎意料，之前反弹的趋势戛然而止，下跌城市数量和下跌幅度都增加 了，所以没有小阳春，只有漫漫寻底路。 | 城市 | | 环比 | 同比 | 1-4月平均 | | | 环比 | 同比 | 1-4月平均 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | 上年同月 | 上年同期 | 城市 | | | 上年同月 | 上年同期 | | | | 上月=100 | =100 | =1 ...

5月19日，国家统计局数据显示，今年4月，一线城市新建商品住宅销售价格环比持平，北京和上海分别上涨0.1%和0.5%；二线城市环比持平，三线城市 环比下降0.2%。 1—4月份，全国新建商品房销售面积约2.83亿平方米，同比下降2.8%；新建商品房销售额超2.7万亿元，同比下降3.2%，走势基本平稳。 国家统计局城市司首席统计师王中华表示，4月份70个大中城市中，各线城市商品住宅销售价格环比持平或略降，同比降幅均持续收窄。 58安居客研究院院长张波当日通过微信向《每日经济新闻》记者分析："从统计局数据来看，各线城市一二手房价格处于阶段性调整阶段，核心城市需求 韧性显现，部分区域温和上涨，政策优化空间充足，市场依然存在较强的蓄力特征。尽管短期市场承压，但价格调整、政策蓄力与需求升级的叠加效应， 正为房地产行业迈向高质量发展创造新机遇。" 01 个别城市房价已真正筑底反弹 国家统计局数据显示，4月份，70城中有22个城市新建商品住宅销售价格环比上涨，其中大连和上海的涨幅均为0.5%，天津和杭州的涨幅均为0.4%，太 原、合肥、重庆、成都等6个城市涨幅为0.3%。新建商品住宅价格同比上涨的城市为上海、太原和杭州。 ...

5月19日，国家统计局发布2025年4月70个大中城市商品住宅销售价格变动情况。数据显示，一线城市新 建商品住宅销售价格环比由上月上涨0.1%转为持平。其中，北京和上海分别上涨0.1%和0.5%，领跑一 线城市。从同比数据来看，70个大中城市中，各线城市商品住宅销售价格同比降幅连续6个月持续收 窄，市场修复态势进一步巩固。 | | 域市 | 环比 | 同比 | 1-4月平均 | | | 环比 | 同比 | 1-4月平均 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 上月=100 | 十年同月 | 上年同期 | 域市 | | 上月=100 | 上年同月 | 上年同期 | | | | | =100 | =100 | | | | =100 | =100 | | # | 京 | 100.1 | 95.0 | 94.5 | 唐 | 山 | 99.6 | 92.7 | 92.5 | | 天 | 票 | 100 4 | 98.1 | 97.8 | 更皇岛 | | 99.7 | 93.3 | 92.9 | | 石家庄 | | 99. ...

同比数据从整体表现来看，新建商品房和二手房的价格虽仍在下降，但均出现收窄趋势。 （文/孙梅欣 编辑/张广凯） 国家统计局公布的4月份70个大中城市商品住宅销售价格变动情况显示，上个月新建商品房价格环比上 涨的城市为22个，较3月减少2个城市。 从新房价格表现来看，上海表现再度居于首位，不仅环比涨幅达到0.5%领跑全国，房价同比也有5.9% 的上涨表现，是全国各大城市中，较少同比房价表现上涨的城市。 在全国新建商品房同比涨价的城市中，还有太原和杭州。其中太原的房价同比表现仅次于上海，涨幅达 到1.1%；杭州则0.1%的微涨。 另外，大连上月新房环比价格和上海持平，同为0.5%；天津、杭州两地则以0.4%的环比涨幅位居其 后。 一线城市商品房销售价环比表现持平，其中，上海环比涨幅为0.5%，继续位居全国首位。北京环比涨 幅为0.1%，广州和深圳则出现环比价格下降，其中广州降幅0.2%，深圳降幅0.1%。 全国二手房价格环比表现则有所回落，全国仅有上海、成都、西宁、丹东、赣州这5个城市的环比价格 有所上涨，除赣州涨幅达到0.2%之外，其他城市涨幅均为0.1%。 一线城市二手房价格环比降幅达到0.2%，除上海上涨之外 ...

5月19日，国家统计局发布的最新数据显示，4月份，70个大中城市中，新建商品住宅环比上涨的城市有22个，比前一月减少2个，北京由降转涨。 二手房环比上涨的城市为5个，比前一月减少5个，北京、深圳都由涨转降。 国家统计局城市司首席统计师王中华解读表示，2025年4月份，70个大中城市中，各线城市商品住宅销售价格环比持平或略降，同比降幅均持续收窄。 环比数据显示，4月份，一线城市新建商品住宅销售价格环比由上月上涨0.1%转为持平。其中，北京和上海分别上涨0.1%和0.5%，广州和深圳分别下 降0.2%和0.1%。 二线城市新建商品住宅销售价格环比持平，与上月相同。三线城市新建商品住宅销售价格环比下降0.2%，降幅与上月相同。 在二手房方面，4月份，一线城市二手住宅销售价格环比由上月上涨0.2%转为下降0.2%。其中上海上涨0.1%，广州持平，北京和深圳分别下降0.6%和 0.3%。 二、三线城市二手住宅销售价格环比均下降0.4%，降幅比上月分别扩大0.2个和0.1个百分点。 58安居客研究院院长张波分析认为，4月份，一线城市内部出现分化，北京和上海的新房上涨，显示出这两个城市的房地产市场仍有一定的支撑因素； 二线 ...

Group 1: Real Estate Trends - Housing prices are expected to stabilize with a slight decline, but a crash is unlikely. Policies such as lifting purchase restrictions and lowering interest rates have been implemented, but they only prevent drastic drops rather than reversing the trend. By 2025, a new normal of "stability with decline" is anticipated [4] - In 2022, national commercial housing sales area decreased by 5%-10%, and new construction area fell by 10%-15%. The enthusiasm for home buying among younger generations has significantly decreased, with over 60% of young people considering homeownership as non-essential [4] Group 2: Employment Trends - Employment pressure is high, with over 10 million new graduates entering the job market and companies becoming increasingly selective. The global youth unemployment rate is projected to reach 12.6% in 2024, with a significant decline in low-skill job opportunities [5][6] - Many individuals are turning to flexible employment options such as food delivery and ride-sharing, with the food delivery sector alone absorbing over 7 million jobs, 35% of which are held by college graduates [7] Group 3: Financial Trends - Bank interest rates have dropped significantly, with one-year fixed deposit rates falling below 1.5%, the lowest in history. This is part of an effort to encourage spending and investment in the real economy [8][9] - Despite lower interest rates, total deposits have increased by 8%, indicating a cautious consumer sentiment. Recommendations include diversifying investments into government bonds and structured deposits, which offer higher returns [10][11] Group 4: Technology Trends - Artificial intelligence (AI) is becoming an integral part of daily life, with applications in various sectors, including food service and banking. For instance, AI has replaced 30% of bank tellers and is being used in delivery services [12][13] - AI primarily replaces repetitive jobs, while roles requiring creativity and interpersonal skills are becoming more valuable. Embracing AI and acquiring new skills is encouraged [15][16] Group 5: Aging Population Trends - The aging population in China is accelerating, with the proportion of individuals aged 65 and older expected to rise from 16% in 2020 to 18% by 2025. This demographic shift poses challenges for pension systems as the ratio of contributors to beneficiaries declines [17][18] - Innovative solutions such as intergenerational cohabitation, where younger individuals rent rooms from elderly residents while providing assistance, are emerging as potential strategies to address aging-related issues [19][20] - The aging industry is projected to see significant innovation and growth, with opportunities in smart caregiving and senior community services, representing a trillion-dollar market [21]

根据CoreLogic发布的数据，目前有26.4%的独立屋交易价格超过100万澳元，而在2023年这一比例还只是10%，2021 年则更低，仅为5%。 这一波房价飞涨的趋势，不仅席卷了传统富人区，还扩展到了许多过去被视为"价格友好"的郊区，包括Thornlie、 Eden Hill、Mirrabooka、Kenwick、Bushmead、Kelmscott、Morley和Wanneroo等。 比如，Westminster——一个原由西澳住房委员会在上世纪50年代开发的平价社区——今年3月就出现了该区首套破 百万的房产成交。一套建于2008年、占地708平方米、拥有四房两卫的住宅，以 114万澳元的价格成交。 负责该笔交易的中介Milly Turner表示，该物业吸引了多个买家竞价，其中不少是因为买不起周边Stirling和Balcatta等 区域，而转而选择Westminster。 (图片来源：西澳人报） 《西澳人报》还指出，以下传统"平价区"的房产也纷纷突破七位数： Mirrabooka：一套412平米地块上的双层住宅，以 122万澳元成交（四房三卫） Eden Hill：一套724平米地块的五房住宅，于4 ...

Core Insights - A recent survey indicates that 40% of potential homebuyers plan to delay or abandon their home purchase in 2025, a 17 percentage point increase from the same period in 2024 [1] - As of May 2025, China's total debt has surpassed 300 trillion yuan, equivalent to 2.8 times the GDP, indicating extreme leverage among residents and a continuing decline in homebuying demand [1] Group 1: Economic Environment - Many potential homebuyers are concerned about income growth uncertainty due to declining performance in the real economy, leading to layoffs and salary cuts [3] - The job market is shrinking, with 11.89 million university graduates competing for limited job opportunities, contributing to high unemployment rates [3] - The current environment has led families to postpone home purchases to avoid financial strain from potential job loss and mortgage payments [3] Group 2: Housing Market Trends - Home prices are in a long-term downward trend, with new residential property prices in 300 cities down 3.2% year-on-year and second-hand home prices down 5.1%, marking the third consecutive year of decline [5] - Buyers are typically reluctant to purchase in a declining market, fearing they may be trapped in a depreciating asset [5] Group 3: Household Financial Behavior - The proportion of household assets tied up in real estate is 77%, with over 41.5% of families owning two or more properties, indicating limited room for further leverage [8] - As of March 2025, the balance of real estate loans was 53.2 trillion yuan, growing only 1.5% year-on-year, the lowest growth rate since 2008, reflecting a rapid decline in loan demand [8] Group 4: Changing Buyer Sentiment - Post-pandemic, consumers are becoming more rational about home purchases, prioritizing savings over real estate investments, with 49.7% preferring to save money, the highest since 2015 [10] - The preference for purchasing property as an investment has dropped to 15.3%, the lowest on record, indicating a shift in consumer behavior towards financial prudence [10]