今年国家对于房地产生产极其重视，其中化解存量房成为一项重要的工作。不过从经济学角度，如果在一个弱市的市场，信心还没有恢复，还没有建立起 来，忽然冲入了巨大的抛盘，有无可能市场稳定的信心又一次被打击，楼市真的能迎来稳定吗？ 之前几年，国家花费了巨额的资源，化解一些房地产商烂尾房的风险，在2025年初显成效，楼市买卖力量慢慢平衡下来，同时乐观的看到有可能在年底迎 来初步的稳定。谁能想到，银行也开始卖房子了，而且量还非常大，例如最近报道的四川农信挂牌2.4万套房产，紧接着吉林银行、天津银行、中原银行 等多家银行纷纷跟进，齐刷刷亮出"卖房"招牌。 银行开始直接在网络平台直销卖房子了，而且而不是通过传统的模式，由法院进行拍卖，然后回收款项。这也显示了银行要回收现金流的渴望，房产的范 围也是广阔，这也表明过去不少年头，不少银行掌握了越来越多的房产资源，现在开始倾巢而出，这不就是冲击楼市吗？对于房地产的稳定有何好处呢？ 随着房地产市场的遇冷，全国的各地房产价格都有持续的下滑。银行眼中视为优质的贷款抵押物，包括商业房产以及住宅房产，价值都在不断的下滑。在 这种情况下，银行也不敢继续持有这一些资产，以防存货跌价损失越来越大。于 ...

Core Insights - The company Alma íbúðafélag hf. reported strong financial performance for the first half of 2025, with total revenues of 2.871 billion ISK, including rental income of 2.590 billion ISK and other operational income of 280 million ISK. EBITDA increased by 147 million ISK compared to the same period last year, reaching 2.127 billion ISK, while net profit for the period was 769 million ISK [1][4]. Financial Performance - Total assets of the group as of June 30, 2025, amounted to 114.482 billion ISK, with investment properties valued at 79.661 billion ISK and listed shares at 4.627 billion ISK. Equity at the end of June 2025 was 37.627 billion ISK [2]. - The group’s investment in Eik fasteignafélag hf. was recorded at 10.857 billion ISK, following a takeover bid completed on October 18, 2024, where Alma acquired a 20% stake [3]. Operational Highlights - The company experienced strong demand for rental housing, supported by a solid liquidity position and a stable customer base. The brand has established a strong presence in the Icelandic housing market [4]. - During the reporting period, the company sold 25 apartments and purchased one, maintaining a portfolio of 1,003 apartments and 64,000 square meters of commercial space. New apartments are expected to be delivered later in the year [5]. - The company is working on simplifying operations through mergers and the sale of inactive subsidiaries, aiming to reduce the number of subsidiaries from twelve to six in the coming months. This initiative focuses on increasing efficiency and establishing a robust future position while prioritizing sustainability [6].