中国楼市上演"硬着陆"现实剧！黄奇帆预言成真，这场价值重构风暴正在改变每个人的财富逻辑 数据惊雷：当楼市从ICU转入康复科 2024年的房地产数据，读起来像一份重症患者的出院报告： - **销售面积**：9.74亿平方米，较2020年巅峰期18亿平方米近乎腰斩 - **新开工**：7.39亿平方米，较22亿平方米高点蒸发三分之二 - **土地出让金**：4.87万亿元，相比8万亿黄金时代大幅缩水 这些数字背后，是过去那个靠杠杆驱动的楼市模式正式宣告终结。就像一位资深投行人士的调侃："这不是调整，这是一场器官移植手术。" 政策托底：3000亿再贷款点燃保障房革命 当2024年全国新房成交量定格在9.74亿平方米这个数字时，无数人才惊觉黄奇帆多年前的预言竟如此精准。那个曾经靠着"土地财政-高周转-全民炒房"飞轮 狂奔二十年的房地产市场，正在经历一场痛彻心扉的深度重塑。 北上深苏醒记 上海二手房单月成交突破2.6万套，深圳连续两个季度回暖，改善型需求带着真金白银回归市场。这些城市的优质地段正在完成价格重估，就像一位中介描 述的："好房子又开始抢手了，但投机客真的不见了。" 面对自由落体式的下滑，监管层打出了精心设计 ...

Core Viewpoint - The Guangzhou Housing Provident Fund Management Center has announced an optimization of the housing provident fund withdrawal policy, allowing for broader usage in purchasing both new and second-hand homes, as well as for home renovation costs related to old elevator upgrades. Group 1: Policy Changes - The new policy allows contributors and their spouses to withdraw housing provident funds for down payments on newly built homes, existing homes, and shared ownership housing within the administrative region of Guangzhou [1] - Contributors can also use the funds for costs associated with upgrading old elevators in residential properties they own [1] Group 2: Market Impact - The policy significantly expands the scope of fund usage, particularly aimed at stimulating the second-hand housing market, which has seen a rise in listings but a slowdown in transactions, leading to downward pressure on prices [1] - The introduction of this policy is expected to alleviate the financial burden of down payments for second-hand homes, potentially accelerating transaction volumes in this segment and sending a positive signal to the market [1]