这篇经济评论分析2025年上半年，上海持续落实好"沪九条""沪七条"等各项政策措施，政策效应继续释放，房地产市场发生了哪些变化，普通人应该怎么选 择，还能入手吗？ | 种类 | 楼盘名称 | 所在板块 | 1 1 + 成交套数 | 平均成交总价 | 成交均价 | 平均成交面积 | | --- | --- | --- | --- | --- | --- | --- | | | | | (套) | (亿元) | (万元/平) | (元) | | | 海泰北外滩 | 四川北路 | 2 | 1.2 | 19.38 | 619.77 | | | 融创外滩壹号院 | 黄浦滨江 | 2 | 1.18 | 22.13 | 533.22 | | 大平层 | 云锦东方二期 | 徐汇龙华 | 1 | 1.00 | 12.82 | 783.16 | | | 翠湖天地六期 | 新天地 | 19 | 1.52 | 23.55 | 645.42 | | | 上海壹号院三批次 | 黄浦像元 | 1 | 1.58 | 24.65 | 642.26 | | | 滨江凯旋门三期 | 陆家嘴 | J | 1.12 | 30.22 | 369.10 ...

近期银行"卖房潮"热度攀升，四川农信2.4万套、兰州银行（001227）直售房暴涨60%等密集抛售，并非 跨界抢滩，而是处置贷款违约抵押资产的"自救"。这场变革正以市场化力量刮除泡沫，推动楼市回归居 住本质。 ...

Core Insights - The Chinese real estate market remains stagnant in 2025, with over 2 million second-hand homes listed nationwide and cities like Chongqing and Chengdu facing inventory backlogs exceeding 200,000 units [1] - In major cities like Beijing and Shanghai, old high-rise residential buildings have listing periods extending over two years, with transaction prices generally 15%-30% below market value [2] Group 1: Market Trends - High-rise apartments, once considered desirable, are rapidly depreciating in value, reflecting a shift in market perception [4] - The average price of elevator apartments in first-tier cities has dropped by 12% year-on-year in 2025, while step-up apartments have seen a 5% increase [8] Group 2: Structural Issues - High-rise buildings suffer from significant common area allocations, with only 70 square meters usable out of a 100 square meter purchase, leading to higher costs for residents [6] - Aging infrastructure poses a major concern, with elevators typically requiring major repairs after 8-10 years of heavy use, leading to increased maintenance costs for residents [7] Group 3: Safety and Maintenance Concerns - High-rise buildings face critical safety issues, particularly during emergencies, as fire escapes and elevators may become inoperable [7] - The lack of maintenance and deteriorating conditions in high-rise buildings can lead to a downward spiral, where poor living conditions further decrease property values [10] Group 4: Financial Implications - Banks are increasingly cautious, halving loan amounts for high-rise properties over 20 years old, pushing buyers towards full cash purchases [9] - The market for high-rise apartments is shrinking, with only 2 out of 30 listed units sold last year, indicating a significant lack of buyer interest [10]