以下是文章的改写，力求提升质量，语句通顺，并进行了一定的顺序调整和细节补充： 中国房地产市场自2021年下半年以来，经历了一场显著的降温，量价齐跌成为常态。一方面，不少地区的房价开始松 动，结束了持续多年的单边上涨；另一方面，开发商的销售业绩也遭遇寒流，成交量大幅萎缩。然而，即便如此，国内 整体房价水平依然处于高位，让许多普通民众望而却步。在北京、上海、深圳等一线城市，拥有一套房产动辄需要六七 百万，而在杭州、武汉、南京等热点二线城市，也至少需要两三百万。面对如此高昂的房价，许多家庭只能无奈地感 叹"安居不易"。 尽管各城市房价依然坚挺，但房地产市场的调整趋势已是毋庸置疑的事实。那么，一个引人深思的问题浮出水面：十年 后，如今价值数百万的房产，还能值多少钱？对此，业界专家普遍认为，未来十年，房地产市场将呈现严重的分化格 局。一线和部分强二线城市的房价预计仍将保持上涨势头，但在人口流出明显的三四线城市，房价则可能面临下跌风 险。这种分化，体现了城市发展和人口流动的真实脉搏。 现在，让我们回到最初的问题：十年后，价值数百万的房产究竟值多少钱？我们的预测是：一线城市一套房的价格可能 回落至200多万，二线城市降至1 ...

面对当前持续居高不下的房价，华人首富李嘉诚对中国未来十年的房价走势给出了自己的判断，并提出了宝贵建 议："房子终究是用来居住的，国内的房价一直居高不下，在未来数年内，房地产行业有可能会经历一场大的洗牌，炒 房者们应保持警惕。" 无独有偶，知名企业家曹德旺也持相似观点。他曾直言不讳地表示，如今是尽早抛售手中房产的良机，否则未来可能面 临房屋滞销、租不出去，甚至还要额外承担管理费的困境。显而易见，这两位商界巨擘都对未来几年的房地产市场持看 空态度。 尽管当前各大城市的房价依旧处于高位，但房地产市场呈现出明显的调整趋势已是不争的事实。由此，一个引人深思的 问题浮现：十年后，如今价值数百万的房产究竟还能值多少钱？对此，有专家预测，未来十年，中国房地产市场将呈现 严重的两极分化格局：一线和二线城市的房价有望继续上涨，而三四线城市的房价则可能面临下跌的窘境。 从当前形势来看，国内一、二线城市房地产市场存在的泡沫较为显著。在未来十年内，挤压房价泡沫，逐步回归至相对 合理的价位，已是必然的趋势。而对于人口大量流失、投资购房需求下降的三四线城市而言，未来回归居住属性也将是 时代发展的必然。因此，某些专家期望未来大城市房价能继续 ...

Core Viewpoint - The Chinese real estate market is experiencing a significant adjustment, with a predicted divergence in property values over the next decade, where first-tier cities may see price increases while third and fourth-tier cities may face declines [1][2][4]. Market Conditions - Since the second half of 2021, the Chinese real estate market has shown signs of "declining volume and price," with property prices remaining historically high despite a drop in sales performance by developers [1]. - In major cities like Beijing, Shanghai, and Shenzhen, property prices remain exorbitant, often exceeding six to seven million yuan, while second-tier cities like Hangzhou and Wuhan require two to three million yuan for home purchases [1]. Future Predictions - Predictions suggest that in ten years, property prices in first-tier cities may drop to around two hundred thousand yuan, while second-tier cities could see prices just above one million yuan, and third and fourth-tier cities may have prices around fifty to eighty thousand yuan [4]. - The expectation is that the real estate market will complete the "bubble-popping" process, aligning property prices more closely with local income levels [4]. Economic Impact - High property prices are currently hindering healthy economic development, contributing to declining birth rates and stagnant consumer demand, which cannot continue indefinitely [4]. - The real estate market has not undergone a significant adjustment in over twenty years, making a return to housing as a necessity inevitable [4]. Government Initiatives - Local governments are actively promoting affordable housing initiatives, including rental and shared ownership options, which will divert demand from the commodity housing market and reduce speculative investment motivations [5]. - The anticipated implementation of property taxes is expected to increase the burden on multiple property owners, discouraging speculative buying and creating downward pressure on property prices [5].

从2022年开始，各地房价就进入到长期调整的趋势之中，先是像郑州、武汉、石家庄等二三线城市。之后就是上海、深圳等一线城市的房价也加入到调整的 队伍中来。在进入到2025年之后，房价仍在延续之前的趋势。最新数据显示，全国百城二手住宅均价，9月为13381元/平方米，同比下跌7.38%。全国百城二 手房价格已连续41个月环比下跌。 导致当前国内房价持续下跌的原因主要有三个：①中国已经进入到老龄化社会。老年人越来越多，年轻人越来越少。未来年轻刚需购房数量将会呈现长期下 跌的趋势。②国内房子长期供大于求。在这种情况下，房价呈现下跌趋势成必然；③房子在经历了3年多下跌之后，失去了赚钱效应，投资炒房需求开始逐 步退出。 而面对当前房价下跌的趋势。有业内人士预测五年后房价：一线城市房价2万元/平米，二线城市6000元/平米，三四线城市3000元/平米。对此，有很多人认 为，这样的房价的下跌是不可能出现的。因为，如果出现这样的情况，很多家庭资产会损失惨重，是无法接受的。也有一部分人觉得，如果房价能跌到上面 所说的价格，才算真正回归居住属性。 实际上，上述房价在很多大中城市已经出现，也并非不可能。比如，上海的青浦区、金山区、奉 ...

Core Viewpoint - The domestic real estate market in China is transitioning from a period of rapid growth to a phase of adjustment, with significant price declines observed since the second half of 2021 [1][3]. Market Trends - After a peak in 2021, where average housing prices surged by 5.5 times since 1998, the market has shown signs of fatigue, with first-tier cities like Beijing and Shanghai experiencing price drops of over 30% in some areas [1][3]. - As of August 2024, the average price of second-hand residential properties in 100 cities fell by 0.71% month-on-month, marking the 28th consecutive month of decline [5]. Government Response - In response to the declining market, local governments have implemented measures such as relaxing purchase and sale restrictions, and banks have lowered mortgage rates to historical lows, with down payment ratios reduced from 30% to 20% [3][5]. Market Sentiment - Despite government interventions, the market remains subdued, with a significant increase in second-hand property listings, indicating mounting downward pressure on prices [5]. - Notable figures like entrepreneur Cao Dewang suggest that property values will decrease significantly by 2030, urging homeowners to sell excess properties to avoid future losses [7][12]. Expert Opinions - Independent economist Ma Guangyuan concurs with Cao's view, stating that the era of real estate as the best investment in China has ended, and prices will revert to levels more aligned with residents' income [10][12]. - Both experts predict that properties currently valued at 2 million yuan may see substantial depreciation by 2030, aligning with local income levels [12]. Underlying Factors - The loss of the "wealth effect" in the housing market is evident, as prices have been in decline since 2021, leading to a shift in buyer psychology from speculation to caution [12][13]. - There is a significant disparity between housing prices and income levels, with ratios in second-tier cities ranging from 20 to 25, and over 40 in first-tier cities, indicating a bubble that is unsustainable [13]. - The impact of the pandemic has led to reduced incomes and a more rational approach to home buying, with potential buyers reassessing their financial situations [13].

2025年楼市展望：稳中有降，回归居住属性 2024年，国内楼市经历了剧烈的震荡。尽管政府出台了一系列救市政策，包括放松限购、上调公积金贷款额度、下调房贷利率和首付比例，甚至减免契税和 增值税以降低购房成本，但房价依旧持续下跌。全国平均房价回落23%，部分区域跌幅高达30%，一线城市也未能幸免，平均跌幅达到30%。以上海市中心 区域为例，房价从峰值近10万元/平方米跌至6.5万元/平方米，许多高价位购房者被深套其中。 总而言之，2025年楼市将是一个充满挑战和机遇的市场。购房者需要理性分析市场形势，谨慎决策，才能在变幻莫测的市场中立于不败之地。 " 近期，证监会允许私募资金投资存量商品房住宅，这被视为政府向房地产市场输血的重要举措，旨在帮助房企去库存、缓解资金压力，而非推高房价。此举 意在稳定市场，最终引导房价回归居住属性。 对于计划在2025年购房的家庭，我们建议： 第一，量力而为。购房需谨慎评估自身经济实力，避免因过度负债影响生活质量。每月还款金额最好不超过家庭总收入的三分之一。可以先购买小面积住 房，待经济条件改善后再考虑置换。 第二，避免购买"老破小"。尽管"老破小"价格低廉，配套设施完善，但其房屋老 ...