之前很多人都喜欢购买海景房，主要是住在海边风景优美，空气新鲜。很多老年人买了海景房用于养老。一些中产家庭购买海景房就是用于度假之用。而前 些年，买了海景房的人现在不仅面临房价快速贬值，而且房子根本卖不出去。 这主要原因是：①海景房周边配套严重不足，生活不方便；②季节性空置现象突出，淡季入住率极低，小区人气不旺。此外，很多业主长期拖欠物业费，这 就造成物业管理难以维持；③由于海风腐蚀性强，装修和房子结构都会受影响，长期持有成本会远超普通住宅。 近些年，房地产市场利好政策不断。现在除了一线城市的核心区域没有放开限购之外，其他绝大多数城市都放开了限购政策。此外，银行也把房贷利率降到 3.2%，创下了历史新低。而受到救市政策利好的影响，就有一些刚需家庭想借着这些利好买房置业。 面对当前刚需家庭购房需求出现回暖的情况，就有业内人士提醒大家：10年后，这3类房子将不受欢迎，懂行人已经开始降价出售。而这3类房子分别是指： ①远郊的房产；②海景房；③超高层住宅。让我们一起来分析一下： 第一，远郊房产 niaması yaşı 1 3.5 2 2 5 2 3 2 3 2 HI 日日日月1日日 TICALLACILLA Eier ...

房地产｜新政后市场变化解读 20250905 摘要 北京和上海的救市政策在短期内对市场成交量有小幅提振，但未能持续 增长，网签数据提升有限，表明政策对新增用户吸引力不足，未能有效 推动市场持续向好。 北京和上海的挂牌量在救市后出现波动，北京先增后减，上海持续降低， 显示市场相对平稳，未出现大规模抛售现象，但市场信心仍未得到有效 提振。 北京和上海房价未见明显上涨，部分区域跌幅扩大，北京月环比跌幅从- 1%扩大至-1.4%，上海外环外区域跌幅超过 1.3%，表明市场价格下行 压力依然存在。 全国楼市自 4 月以来持续恶化，但 7、8 月成交量企稳，优于去年同期， 价格跌幅扩大，一线城市跌幅尤为明显，广州、北京、上海跌幅超过全 国平均水平，深圳出现异常波动。 冰山 100 指数显示全国楼市稳定在负 12%水平，一线城市表现较差， 927 救市政策对一线城市效果最佳，但效果消退后，一线城市表现再次 落后。 从全国数据来看，自 4 月份以来楼市不断恶化。实时成交量逐步下滑，但七八 月开始企稳，比去年（2024 年）明显好转。今年（2025 年）没有出现去年 （2024 年）7 月至 9 月严重下滑情况。然而价格自 4 ...

Core Viewpoint - The real estate market in China is facing significant challenges as it continues to adjust, with expectations for a new round of extraordinary market rescue measures in September 2025 to stabilize the sector and stimulate demand [1][5][16] Market Conditions - In the first half of 2025, the national sales area of new commercial residential properties was 384 million square meters, a year-on-year decrease of 3.7%, while sales revenue was 3.88 trillion yuan, down 5.2% [1] - The average sales prices of new and second-hand residential properties in 70 major cities fell by 3.7% and 6.1% year-on-year, respectively [1] - A second-tier city experienced a 30% year-on-year decline in new home transaction volume in the first half of 2025, with second-hand home listings increasing and transaction cycles lengthening [4] Policy Background - The real estate sector is crucial for economic growth, employment, and fiscal revenue, and its ongoing downturn is a significant drag on economic development [5] - The central government has emphasized the need for targeted policies to support housing demand and promote a stable and healthy real estate market [7] Expected Rescue Measures - Financial policies are anticipated to be further relaxed, including potential reductions in mortgage rates, with some cities possibly seeing rates drop below 3% [8][9] - Loan limits may be increased, and banks could ease requirements for income verification and other documentation to facilitate borrowing [11] - Local governments may enhance home purchase subsidies and tax incentives to lower transaction costs for buyers [11][12] Impact on Buyers - First-time homebuyers stand to benefit significantly from lower mortgage rates and increased subsidies, potentially saving over 100,000 yuan in interest over 30 years with a 100,000 yuan loan [13] - Buyers looking to upgrade their homes will also find it easier to navigate the market due to relaxed policies on second-home loans and sales restrictions [14] - Investors are advised to approach the new rescue measures cautiously, as the long-term outlook for the market remains uncertain despite potential short-term price increases [15]

2.社保满3年，外环内可购1套； 3.成年单身按家庭执行； 4.非本市居民符合条件购买二套及以上住房的，房产税缴纳，和上海市居民同等待遇，给予人均60平方米的免税面积扣除；（上海和重庆2011年起一直进 行房产税试点） 上海此次楼市新政内容主要包括： 1.符合条件的（社保满1年的非本市户籍居民家庭），外环外不限套数； 5.提高个人住房公积金贷款额度； 6.商业贷款利率定价机制，不再区分首套住房和二套住房，合理确定每笔商业性个人住房贷款的具体利率水平。 此次上海新政，不仅新增了购房资格，还将持续降低购房成本，有力释放住房需求，尤其是对上海外环外的新房和二手房市场有明显的促进作用，也体现 了对改善购房需求的支持。 ※综合/浅眠 在8月18日国务院第九次全体会议后，忽然，上海住房城乡建设管理微信公众号于今天中午发布《关于优化调整本市房地产政策措施的通知》。 杭州还会出什么招？欢迎评论区讨论。 上海此次优化调整房地产政策措施，可以刺激上海外环外住房交易；促进住房置换，有利于市场整体流通；优化职住平衡等。 上海此次新政也明确不再区分首套和二套房，优化调整商业性个人住房贷款利率定价机制，对于改善性住房需求释放了积极作用。 ...

Core Viewpoint - The real estate market in China has been experiencing a long-term decline since 2022, with average housing prices dropping over 30% nationwide, and a continuous decline in second-hand housing prices for more than 30 months, with a year-on-year decrease of 7.32% in July [1][3]. Group 1: Market Trends - Housing prices in various cities, including first-tier cities like Shanghai and Shenzhen, have joined the downward trend, indicating a widespread market adjustment [1]. - Despite the downward trend, numerous government policies aimed at stimulating the market have been introduced, such as lifting purchase restrictions and increasing housing loan limits [3]. - The average mortgage interest rate has been reduced from a peak of 5.88% to 3.2%, and tax reductions have been implemented to lower the cost of home buying [3]. Group 2: Expert Predictions - Notable figures like Li Ka-shing and Cao Dewang predict a significant reshuffling in the housing market over the next five years, advising caution for speculative buyers while suggesting that home purchases for personal use may still be viable [6][8]. - Li Ka-shing's actions, including the sale of properties at discounted prices, reflect a bearish outlook on the future of the real estate market [6]. - Cao Dewang emphasizes that real estate is fundamentally not valuable, urging homeowners to sell excess properties to avoid future losses [6]. Group 3: Supply and Demand Dynamics - The housing market faces long-term oversupply, with 600 million buildings available for a population of 3 billion, and over 120 million vacant homes, indicating a persistent supply-demand imbalance [8]. - The aging population in China, with over 300 million individuals aged 60 and above, is expected to reduce the demand for new housing, as many older individuals already own homes [10]. - A decline in the younger population, particularly those born in the 1990s and 2000s, suggests a shrinking demand for first-time home purchases [10]. Group 4: Economic Factors - Slowing income growth among residents, exacerbated by economic downturns and layoffs, is leading to more rational home-buying decisions, with many families now considering their financial situations before purchasing [10]. - The price-to-income ratio for housing in second-tier cities is between 20-25, while in first-tier cities, it exceeds 40, indicating a disconnect between housing prices and residents' income levels [10].

Core Viewpoint - Beijing has officially lifted the purchase restrictions for properties outside the Fifth Ring Road, allowing local residents and non-local residents who have paid social insurance and individual income tax for over two years to buy unlimited properties in this area [1][3]. Group 1: Market Response - Following the policy change, there was an increase in the number of visitors to sales offices in the Fifth Ring Road area, with one popular project reportedly selling over 20 units in a single day [3][4]. - In the Daxing District, real estate agents noted a perceived increase in market activity after the new policy was implemented, although this was based on subjective feelings rather than concrete data [6]. - Data from the China Index Academy indicated that during the first weekend after the policy change (August 9-10), the transaction volume for new and second-hand homes remained stable, with new residential properties selling 83 and 92 units, and second-hand homes selling 178 and 116 units respectively [6]. Group 2: Market Trends - Prior to the new policy, the Beijing real estate market was experiencing rising inventory levels, with a 4.6% increase in second-hand home listings in July compared to June, while agent confidence decreased by 3.84% [8]. - Experts suggest that the new policy may address specific purchasing needs and positively impact market transactions, but emphasize the necessity of resolving issues related to second-hand homes to achieve a more balanced supply-demand relationship [9].

Core Viewpoint - The article discusses the recent fluctuations in the Chinese real estate market and the implementation of various policies aimed at stabilizing the market and promoting healthy economic development, raising questions about whether it is a good time for potential homebuyers to invest in real estate [1][3]. Market Overview - The real estate market has transitioned from rapid growth to gradual cooling, prompting the introduction of several policies to stabilize the market, which have alleviated some downward pressure but also caused market volatility [3]. - Understanding market dynamics is crucial for homebuyers to make informed decisions regarding property purchases [3]. Impact of Policies - Policies such as lowering down payment ratios and relaxing purchase restrictions have reduced barriers to homeownership, enabling more individuals to buy homes, but may also lead to rising property prices and increased purchasing costs [3][4]. - Homebuyers must weigh the pros and cons of these policies against their financial situations and housing needs [3]. Interest Rate Changes - Recent interest rate cuts by the central bank have lowered mortgage costs, providing a favorable environment for homebuyers by easing repayment pressures [3]. - Fluctuations in interest rates introduce uncertainty, necessitating careful monitoring by potential buyers to plan their loans effectively [3]. Supply and Demand Dynamics - The current supply-demand relationship in the real estate market is a key determinant of price trends, with many cities experiencing an oversupply that limits price increases, while some hot cities still face demand exceeding supply, potentially driving prices up [3]. - Homebuyers should assess the supply-demand conditions in their respective cities to make informed decisions about property investments [3]. Buyer Sentiment - Buyer expectations significantly influence the market, with many anticipating price increases due to the introduction of supportive policies, which may lead to a heated market and increased risks [4]. - It is essential for buyers to remain rational and avoid impulsive decisions based on market trends, focusing instead on their personal circumstances [4]. Investment Strategy - Distinguishing between long-term investment and short-term speculation is vital; for owner-occupiers, current conditions may present a favorable buying opportunity, while speculators face greater risks due to market volatility [4]. - Buyers should clarify their investment objectives to make sound decisions in the current market environment [4].

以下文章来源于樱桃大房子 ，作者樱桃团队 樱桃大房子 . CN c 则联社电报 川才 4- ift 在 博 2024-11-13 17:48:14 星期三 【住房交易税收新政:家庭唯一和第 二套住房不超过140平方米统一按1% 税率缴纳契税 城市取消普通住宅标准 后购房满2年再销售免征增值税】 财联社11月13日电,财政部等三部门发布关于促进 房地产市场平稳健康发展有关税收政策的公告。为 促进房地产市场平稳健康发展,现就相关税收政策 公告如下: 把握楼市调控周期，精准抓住买卖房信号，跟着樱桃一起买大房子 作者：樱桃大房子 来源： 樱桃大房子（ID：ytdfz8) 上周蓝部长说了，支持房地产市场健康发展的相关税收政策，已经按程序审批，近期会推出。 如今，小作文终于兑现了！ 这两天路透社、彭博社的小作文已经提前一天在吹风，果不其然，傍晚利好就来了。 关于契税、增值税等相关优惠政策都来了。 一、关于住房交易契税政策 (一)对个人购买家庭唯一住房(家庭成员范围包 括购房人、配偶以及未成年子女,下同),面积 为140平方米及以下的,减按1%的税率征收契税; 面积为140平方米以上的,减按1.5%的税率征收契 税。 (二 ...