2025.11. 25 本文字数：2764，阅读时长大约4分钟 作者 | 第一财经 孙梦凡 曾经喊出"逃离北上广"的年轻人，正转身用另一种方式"安家"。 机构最新数据显示，在北京、上海等一线城市的二手房市场中，总价200万元以下的低总价房源正成 为交易"主力"，其中北京该价位段成交占比高达57.19%，上海也达到48.72%。 一线城市低总价"老破小"成交占比提升，背后是随着房价持续调整，曾经要"掏空六个钱包"的房 子，如今年轻人踮踮脚也可能够得到，二手房市场已成为极致刚需的"蓄水池"。 此外，受房价向下调整影响，部分低总价房源因租金收益率尚可，也成为购房者考虑入手的原因之 一。 今年以来，新房市场和二手房市场，走出了不同的走势。 据克而瑞数据显示，2025年前10月，30个重点城市一二手房成交面积合计27443万平方米，较 2024年同期持平。其中，新房成交面积同比下降7%、二手房则同比上涨6%。 总量上稳住盘面的二手房市场，都是由哪类购房者在支撑、尤其是在一线城市？据CRIC监测数据， 10月京沪深总价200万元以内的低总价段房源，成交套数占比同环比齐增。 具体来看，北京总价200万元以下房源成交占比，已 ...

曾经喊出"逃离北上广"的年轻人，正转身用另一种方式"安家"。 机构最新数据显示，在北京、上海等一线城市的二手房市场中，总价200万元以下的低总价房源正成为 交易"主力"，其中北京该价位段成交占比高达57.19%，上海也达到48.72%。 一线城市低总价"老破小"成交占比提升，背后是随着房价持续调整，曾经要"掏空六个钱包"的房子，如 今年轻人踮踮脚也可能够得到，二手房市场已成为极致刚需的"蓄水池"。 具体来看，北京总价200万元以下房源成交占比，已达到了57.19%，而且刚需客群集中度仍在持续上 升，10月成交占比同环比增长1.81个百分点、4.67个百分点。 再以上海为例，2025年10月，上海总价200万元以内房源成交套数占比为48.72%，环比上升2.16个百分 点，同比上升8.93个百分点，市场份额有进一步扩大的趋势。 二百万左右的"老破小"，为何成为一线城市二手房的成交主力？ 中指研究院指数研究部总经理曹晶晶告诉第一财经，总价200万～300万区间房源，多对应60～80平方米 的刚需户型，刚好契合首次在京置业的年轻群体需求。 "一方面，刚步入职场的年轻人资金有限，这类房源的购房门槛较低，不会造成过大经 ...

文丨东杭州城市研究院 诗怡 已经过去的十月份，杭州二手房"量价齐跌"，可没想到有些板块的二手房已经跌到意料之外了。 近日， 临安青山湖星汇城的一套法拍房，面积约184.45㎡，起拍价108万，折合单价仅约5855元/㎡，二拍上架，正式开拍之后居然惨遭流拍，让人惊讶。 要知道，在2021年前后的青山湖，那也算是杭州的网红板块了，在当时的火热行情下，曾经的新房还出现过15%左右的低中签率，高层的二手房更是卖出 过2.5万元/㎡左右的高价，那时候可真是热火朝天。 可当这股热潮褪去之后，曾经的风光不再，在天量库存之下，如今大幅跌价，也不免让人唏嘘。 在如今的楼市背景下，尤其是刚需板块，二手房大降价几乎已经是普遍现象。下沙当然也不例外。 图源：中介朋友圈截图 近日，大学城北挂出了一套房源，东郡国际锦湾一套两房69方的房源，总价仅约90万+，如果按照总价95万来计算，折合单价仅约1.38万元/㎡。 当年锦湾新房的一房一价，均价在1.1万元/㎡，这个价格，已经非常接近当年新房的开盘价格。 | 2304 室 | 2303 室 | | --- | --- | | 11176 元/m² | 11176 元/m² | | 76.8 ...

（原标题：深圳二手房市场"刚需"盘成交活跃） 从片区表现来看，成交前十片区仍以刚需盘聚集地为主。从楼盘录得量来看，热门楼盘除南山的"华润 城润府"外，其他主要都是价格相对"刚需"的楼盘，侧面反映出当前深圳市场以刚需为主。 另据深圳中原研究中心统计，10月深圳的楼市成交结构中，刚需成市场主流。新房及二手住宅的主力成 交面积段均集中在60至90平方米。其中，该面积段的新房住宅占比大幅上升7.7%，二手住宅同样以39% 的成交占比居首。 深圳贝壳研究院数据显示，今年上半年深圳二手房呈现"低总价房源成交占比更高、中高总价房源挂牌 占比更高"的特征。具体来看，200万元以下房源成交占比相较挂牌占比多8.8%，200万元至300万元成 交占比相较挂牌占比多4.4%。乐有家研究中心数据显示，自7月以来，300万元以下房源成交占比持续 位于高位，连续4个月超过25%。 证券时报记者 吴家明 "刚需"是深圳二手房市场成交的主力。 深圳市房地产中介协会最新公布的数据显示，上周全市二手房（含自助）录得量为1472套，环比增长 1.4%，显示购房需求持续释放，二手房市场保持活跃态势。在需求端（委买合同），上周深圳市场新 增需求量继续 ...

Core Insights - The real estate market is undergoing a significant adjustment in 2023, yet the demand from first-time homebuyers remains strong due to fundamental needs such as settling down, marriage, and children's education [1] Group 1: Home Buying Strategies - The article emphasizes the importance of location, community environment, floor level, and layout design in selecting a home [1] - A seasoned industry expert provides a "seven-character mantra" for first-time homebuyers: "Buy middle, buy edge, do not buy three" [1] - "Buy middle" refers to choosing mid-level floors in a building, which balances comfort and convenience, avoiding the noise and dust of lower floors and the inconvenience of high floors [1] - "Buy edge" suggests opting for corner units over middle units, as corner units typically offer better privacy and larger living space [3] - "Do not buy three" advises against purchasing three types of properties: old downtown apartments, remote suburban homes, and high-risk pre-sale properties [3] Group 2: Risks of Certain Property Types - Old downtown apartments, often sought after for potential redevelopment, are becoming less attractive due to diminishing demolition opportunities and poor living conditions [5] - Suburban homes, while cheaper, face issues such as inadequate amenities and transportation, making them vulnerable to market fluctuations [7] - The risks associated with purchasing pre-sale properties are increasing, as developers face financial pressures that could lead to project failures and significant losses for buyers [8]

Core Insights - The article discusses the challenges faced by first-time homebuyers in Ningbo, particularly those with a budget of one million, who struggle to find suitable properties in desirable locations [1][2] - The couple's choice of the Huamanli community in the Fangqiao area highlights the trade-off between affordability and potential future liquidity concerns [1][5] Group 1: Buyer Preferences - The couple's main concern is to avoid excessive mortgage debt, leading them to consider lower-priced options in Fangqiao instead of more expensive properties in the city center [2] - The lower total price in Fangqiao allows them to pay a significant portion of the home cost upfront, which is appealing to them [2] Group 2: Market Concerns - Some online comments reveal potential risks associated with purchasing in Fangqiao, such as long commuting times due to infrequent subway service, which could exceed one hour for city center jobs [5] - There are worries about the resale value of properties in Fangqiao, with some commenters suggesting that the large supply of new homes may lead to a saturated second-hand market, making it difficult to sell in the future [5][7] - The emphasis on location as a critical factor in real estate is reiterated, with concerns that the large development in Fangqiao may lead to difficulties in selling properties later on [7]

Core Viewpoint - The article discusses the challenges faced by first-time homebuyers in selecting suitable properties, particularly focusing on five types of floors that are considered undesirable for investment due to various drawbacks [1]. Group 1: Undesirable Floor Types - The first undesirable type is the ground floor without a garden, which suffers from poor lighting, ventilation issues, pest problems, lack of privacy, and moisture-related damage [2]. - The second type is the second floor, which, while slightly better than the ground floor, is prone to sewage backflow issues and requires additional security measures, further diminishing its appeal [2]. - The third type is the top floor without an attic, which can lead to high energy costs due to poor insulation and potential water damage during rainy seasons [4]. Group 2: Additional Concerns - The fourth type is the equipment floor, which houses essential machinery but can create noise, heat, and electromagnetic radiation, posing risks to residents' comfort and safety [6]. - The fifth type is the waistline floor, which, while designed for aesthetic purposes, can accumulate dust and suffer from water leakage, causing inconvenience to residents [7]. - The article emphasizes the importance for budget-conscious first-time buyers to be vigilant in avoiding these five "poor people's floors" to secure satisfactory housing options [7].

Core Viewpoint - The article emphasizes the importance of rational home buying for first-time buyers, highlighting five common misconceptions that can lead to poor purchasing decisions. It advocates for focusing on personal living needs rather than speculative investment strategies. Group 1: Misconceptions about Timing and Size - Misconception 1: The belief in waiting for the "perfect timing" to buy, such as anticipating price drops, can lead to missed opportunities. Current data shows that the average price of new homes has remained stable, with a slight decrease of 0.8% year-on-year, indicating a favorable market for buyers now [2][3]. - Misconception 2: The idea that larger homes are inherently better can result in financial strain. A case study shows that a family purchasing a 140㎡ home faced monthly payments that consumed 50% of their income, while a 90-120㎡ home would have been more manageable and easier to sell later [3][5]. Group 2: Misconceptions about Location and School Districts - Misconception 3: Buying low-priced homes in suburban areas can lead to significant commuting issues and lower rental demand. Data indicates that properties with good local amenities have a rental rate of 85%, while those in less desirable areas struggle to attract tenants [5][6]. - Misconception 4: The belief in the guaranteed value of school district properties can be risky due to changing educational policies. A case highlighted a significant loss in property value when school district boundaries were redrawn, underscoring the need for caution in this area [6][7]. Group 3: Neglecting Due Diligence - Misconception 5: Failing to research developers and contracts can lead to serious issues such as project delays or unmet promises. Statistics show that 28% of complaints in the first half of 2024 were related to developer breaches, emphasizing the necessity of thorough checks before purchasing [8][9]. - The article advises conducting two essential checks: verifying the developer's reputation and carefully reviewing the purchase contract to avoid pitfalls like hidden fees or vague terms [9][10].

Core Insights - The domestic real estate market is facing significant challenges, with a notable increase in the number of cities experiencing declines in both new and second-hand residential property prices [1][3] Market Trends - In August, data from the National Bureau of Statistics indicated that out of 70 major cities, 50 saw a month-on-month decline in new residential prices, while 56 cities experienced a drop in second-hand home prices, marking an increase of 10 and 5 cities respectively compared to the previous month [1] - Year-on-year, 49 cities reported a decrease in new residential prices, and 61 cities in second-hand prices, indicating a persistent downward trend in the housing market [1] Buyer Behavior - The era of speculative real estate investment is over, with increasing risks for investors. However, first-time homebuyers with genuine needs, such as marriage and education, still view purchasing property as essential [3] - The continuous reduction in mortgage rates has significantly lowered the cost of homeownership for these first-time buyers [3] Expert Recommendations - Industry experts advise first-time buyers to follow the principle of "buy now, buy low, and avoid distant properties" [4][6] - "Buy now" emphasizes purchasing ready-to-move-in homes rather than off-plan properties, allowing buyers to assess quality and avoid potential risks associated with unfinished projects [4] - "Buy low" suggests opting for low-rise buildings over high-rise ones, as they typically have lower shared areas, better safety features, and greater convenience [6] - "Avoid distant properties" highlights the risks associated with purchasing in remote areas, where infrastructure may be lacking and property values could decline more sharply in a downturn [6]

Core Insights - The article emphasizes the importance of choosing a three-bedroom apartment over a two-bedroom one, and keeping the area under 110 square meters when purchasing property, highlighting the long-term benefits of such choices [10][11][12]. Housing Market Dynamics - High housing prices have created a significant gap between property costs and residents' income levels, making homeownership increasingly difficult for average families. In 2020, the average housing price-to-income ratio in China was 9.2, indicating that a family at the average income level would need to save for 9.2 years without spending to afford a home [3]. Young Renters' Challenges - Young individuals dominate the rental market due to their relatively low income and short work experience, making it challenging for them to save enough for a down payment, even in second and third-tier cities [5][6]. Societal Implications of Homeownership - The lack of homeownership has become a barrier for young people in pursuing marriage, as owning a home is often seen as a prerequisite for marriage in society [8][10]. Recommendations for Homebuyers - The advice to prioritize three-bedroom apartments is based on the need for flexibility and future family planning. A three-bedroom unit can accommodate growing family needs without the hassle of moving, unlike a two-bedroom unit [10][11]. - Keeping the apartment size under 110 square meters is recommended to control total housing costs and reduce mortgage pressure, allowing families to maintain financial stability and savings [12].