Recently, second-hand housing prices across the country have experienced a 21-month decline, and in the face of the market status quo that every transaction may refresh the low price record in the same region, the confidence of owners is being severely tested. At this time, the chivalrous man would like to remind the majority of owners and friends:In the current environment, don't make the decision to make a *** house easily! 
Since 2021, the state has strictly implemented the "three red lines" policy, effectively curbing excessive borrowing in the real estate sector, strictly controlling the real estate market, and ensuring the healthy and stable development of the economy. In the face of strict policy restrictions, many real estate companies have no choice but to reduce sales prices to alleviate financial pressureAlthough this policy orientation compresses market liquidity in the short term, in the long run, it is to avoid systemic risks and ensure the stable development of the economy.
The cooling of the new housing market has also indirectly affected the second-hand housing market. In the context of the decline of new houses, the second-hand housing market is naturally difficult to stand alone, thus forming a vicious circle of new housing prices and second-hand housing following. In addition, some residents have to pay low prices for existing houses in order to buy their favorite new houses, and this replacement demand in the market has further exacerbated the downward pressure on second-hand housing prices.
The issue of income is actually a deeper factor affecting the housing market. The economic situation in recent years has had a significant impact on many people's income expectations, which in turn has affected their home purchase decisions. The volatility of the economic situation has left many households worried about long-term financial commitments, which is a big reason for the current wait-and-see atmosphere in the market.
The state has recently launched four major policies, which may indicate that the wind direction of the property market adjustment may be about to change, which is expected to bring a "warm current" to the property market.
1.A "white list" system for real estate financing
The implementation of this policy has injected a shot in the arm for the normal operation of real estate enterprises, which is expected to promote the resumption of normal development and sales of more projects, and form a positive effect on the entire property market.
2."Three major transformations" planof the start-up
The "three major transformations" plan includes the transformation of urban villages, the construction of affordable housing and the construction of "level-emergency dual-use" facilities, which will not only directly increase the demand of the real estate market, but also improve the living environment and quality of life of the entire city, which is of great significance for enhancing the value of real estate.
3.Monetary policy adjustments
The central bank's monetary policy adjustment has also provided a more relaxed financial environment for the property market. Since February, the long-term funds released by the RRR cut will inject more vitality into the market, which is conducive to the stability and recovery of the property market.
4.Raise residents' income expectations
* The commitment to raise residents' income expectations will undoubtedly further enhance the purchasing power of consumers, thereby boosting demand in the real estate market.
With these new policies, Chivalry believes that the following three types of properties will benefit in particular after the year:
1.Old residential areas such as urban villages
With the implementation of the renovation plan for old residential areas such as urban villages, the value of properties in these areas will be revalued due to environmental improvements.
2.Financing-backed real estate projects
Financing-backed real estate projects will resume normal development, and property values in these developments are expected to return to reasonable levels, providing potential value growth for early stage buyers.
3.Over-falling neighborhoods
In this round of adjustment, the over-falling communities, due to the large decline, once the market sentiment warms up, the housing prices in these areas have great potential.
Although the current property market is facing many challenges, under the role of the first-class policy guidance and market self-adjustment mechanism, stability and recovery are the general trend.
Chivalry hopes that the majority of owners can stay calm, not be confused by the current predicament, remain patient, and do not easily ** the property in their hands, which may be a wiser choice.