Core Insights - The article discusses the dilemma faced by rural residents considering purchasing homes in urban areas, weighing the benefits of better education and healthcare against the risks of declining property values and economic instability [2][4][8] Summary by Sections Housing Market Trends - National statistics indicate a decline in residential sales, with a nationwide decrease of 8.2% in sales area, and a more significant drop of 12.5% in third and fourth-tier cities [2] - The average decommissioning cycle for county-level properties is reported at 28 months, indicating a surplus in supply [2] - The population is projected to decrease by approximately 800,000 annually from 2021 to 2025, with a 3.1% average decline in permanent residents in counties [2][3] Government Policies - The "14th Five-Year" new urbanization plan encourages the development of housing markets in counties with net population inflows and industrial support [3] - Some provinces, such as Henan and Shandong, offer subsidies for rural residents purchasing homes, with maximum amounts reaching 30,000 yuan [3] Suitable Conditions for Purchasing - Families with stable incomes and children needing better educational opportunities may benefit from purchasing homes in urban areas [4] - Examples include families who have successfully transitioned to urban living, highlighting improved access to education and healthcare [4] Unsuitable Conditions for Purchasing - Rural residents relying on unstable agricultural income face risks in homeownership, particularly if monthly mortgage payments exceed their income [4][6] - The article warns against purchasing in areas with declining populations, as property values may decrease significantly [4][8] Common Pitfalls - Buyers are cautioned against purchasing small property rights homes, which lack proper documentation and may lead to financial loss [5] - The article emphasizes the importance of verifying property documentation and local development plans before making a purchase [5][8] Recommendations - Prospective buyers should assess their financial situation, including income, savings, and potential mortgage payments, before deciding to purchase [8] - For those not purchasing, improving existing rural properties is suggested as a viable alternative, with available government renovation subsidies [8]