当一线城市房价从峰值回落30%，二线城市部分区域腰斩过半，这些数字背后是家庭财务结构的根本性质变。 上海内环某豪宅单价跌破7万元，燕郊部分小区月供甚至高于当前房价。 这些案例折射出房地产市场的深刻转向。 全国重点城市二手房价格累计跌幅已达 15?5%，一二线热点城市跌幅甚至超过30%。 家住杭州的大福没想到，2021年丈夫以360万元购入的婚房，短短几年后只能以300万元卖出。 算上装修费、增值税和房贷利息，这个家庭的总亏损超过100 万元。 卖房后半个月，她每天以泪洗面，直到搬进邻近森林公园的出租屋，才发现月供从1.2万元降至3000元的房租，反而让生活有了新的可能。 李嘉诚曾在早年预警："房子始终是用来住人的，高房价状态难以长久维持。 "当前中国超42%的家庭持有两套及以上房产，房产在家庭总资产中占比高达 77%。 对于多套房家庭，资产缩水只是第一重打击。 更棘手的是流动性困境：一套住房从挂牌到成交的平均时间，从2020年的45天延长至2024年的117天。 这意味 着即便想变现，也需要等待近四个月。 挂满横幅的售楼处里，业主们围堵着销售人员。 郑州某个楼盘三年降价30%，当初精心挑选的婚房，最终亏损百万 ...

Group 1 - The difficulty for ordinary families to save significant amounts of money, such as 400,000 to 500,000, is highlighted, requiring a long-term commitment and stability in life circumstances [1] - The phenomenon of "human relations" leading to difficulties in refusing loan requests from relatives is discussed, with a high default rate of 78% on loans among relatives [4] - Over 60% of families experience significant asset depreciation within three years after reaching savings of 500,000, often due to entering traps set by others [5] Group 2 - Case study of a couple, Zheng Bin and his wife, who faced financial strain after taking loans for a house and car, leading to a significant drop in asset value due to market conditions [7] - Another case involves Pan Liang, who lost over 20% of his inherited 500,000 through poor investment choices in stocks and mixed funds, driven by greed [9] - The challenges faced by entrepreneurs like Yang Liang, who invested 500,000 in a restaurant that ultimately failed, illustrate the risks of blind entrepreneurship in a competitive market [12]