Despite mortgage rates just dipping below the 6% mark, American homebuyers aren't retreating just yet. While high mortgage rates have historically chilled demand, the latest data reveals a defiant consumer base: new home sales remain higher than year-ago levels, and a massive surge in refinancing suggests homeowners are pouncing on any slight dip in borrowing costs. Recent data from the Census Bureau reveals that while new home sales dipped slightly by 1.7% in December, the market remains surprisingly r ...

5年内将转化1000万套存量房为保障房。 租购同权全面落地，上学、就医、社保，租房也能同等享受。 商品房从"必需品"，慢慢变成"改善品"。 房地产税试点稳步扩围。 2026年新增5个试点城市，多套房、大户型税负提升。 物业费、车位费、维修费逐年上涨。 以前买房是"躺赚"，以后买房可能是"负担"。 城里房也不是全都不行。 核心城市、核心地段的优质房源，还能保持稳定。 但远郊盘、老破小、非核心房源，价值会逐年回落。 闭眼买房就能赚的时代，一去不复返。 再看农村房子，正在迎来史上最大逆袭。 2026年中央一号文件、自然资源部联合定调。 农村住房正式进入确权、盘活、增值的黄金期。 5年后，农村房将拥有居住、资产、养老三重价值。 第一波红利：宅基地确权全面收官。 自然资源部2026年数据，全国宅基地确权率达到98.7%。 不动产权证全覆盖，一户一宅受法律严格保护。 城镇子女可以依法继承农房，维修、加固、使用全都自由。 有了红本本，农村房就是受保护的合法资产。 第二波红利：闲置农房可以合法盘活赚钱。 农业农村部2026年新政，农房租赁期限最长可至20年。 合同备案后，法律全程保驾护航。 做民宿、搞康养、租给城里人，一套小 ...

Economic Policy and Tax Cuts - The president's recent speech emphasized the benefits of a significant bill passed in 2025, with $150 billion in new tax cuts for American workers expected to be realized in 2026 [1] - Businesses will benefit from $200 billion in capital investment due to 100% expensing of capital equipment, R&D, and property [1] - The administration is not expected to pursue large new tax cuts following the recent reconciliation bill, focusing instead on smaller measures like housing and infrastructure [1] Housing Market and Financial Sector - Housing stocks declined due to the lack of a comprehensive housing plan, with specific bills like manufactured housing expected to be introduced [2][4] - Financial deregulation is seen as a priority, with the potential to lower mortgage rates, which are currently at their lowest in four years [4][5] - The performance of bank stocks is more closely tied to the yield curve rather than financial deregulation, indicating a challenging environment for financial institutions [6][7] Defense and Technology - The president's speech included a warning about Iran's missile capabilities, which could provide a pretext for military action if negotiations fail [1] - There was a lack of discussion on AI, which is currently unpopular among voters, but there are plans to facilitate tech companies in building data centers to circumvent local opposition [2]

很多人身边都有这样的家庭： 自住一套，给父母准备一套，手里可能还押着一套投资房。 在亲戚朋友眼里，他们就是"家里有矿"的那批人。但你仔细看看现在的楼市，会发现一个扎心的现实： 多套房，过去是体面，未来可能变成包袱。 今天不讲大道理， 就讲四类很真实的结局，很多家庭已经在往这条路上走了。 结局一：卖不掉、租不出 第一个很现实的结局，就是：房子成了甩不掉的包袱。 很多三四线城市、远郊板块，挂牌一年以上的房子比比皆是。有的房东从2021年挂牌到现在，价格一降 再降，还是没人接盘。 有这样一个案例： 杭州萧山区一套2018年的精装三居，挂牌价从450万一路降到280万，两年时间， 看房的人不少，真正出价的没有，业主急用钱，但房子就是卖不掉，还欠着好几年的物业费。 对多套房家庭来说， 这会带来两个现实压力： 1、月供照付，房子空着还要交费，物业费、取暖费、维修基金，一年几千到几万不等，房子越多，这 种"无感支出"就越大。 2、现金流被锁死想卖房变现，却发现买家寥寥，只能被动"熬时间"，结果越熬越焦虑。 很多家庭表面上有几套房，实际生活质量被严重拖累，甚至有人因为失业，被迫搬到更便宜的地方租 房， 自己房子空着，每月还要 ...

Market Performance - The S&P 500 posted a weekly gain of 1.1%, marking its best weekly performance since early January [1] - The tech-heavy Nasdaq 100 also advanced by 1.1%, stabilizing after an early-month decline [1] - The Small-Cap 600 saw more modest gains of 0.6%, while the Mid-Cap 400 increased by 1.2% [1] Sector Performance - Real estate equities benefited from unexpectedly strong REIT earnings, helping to mitigate rate-related challenges [1] - The Equity REIT Index rose by 0.3%, with 10 out of 20 property sectors showing positive performance [1] - The Housing Index declined by 1.8%, reflecting mixed housing market data and ongoing affordability issues due to high mortgage rates [1] Economic Context - Geopolitical uncertainty has led to a pause in the "value rotation" trend that characterized early 2026 [1] - There are concerns regarding the sustainability of high capital spending and changing competitive dynamics influenced by AI-written software [1]

Core Insights - The current sentiment among Americans indicates a significant desire for a housing market crash, with 36% hoping for it, and 29% of renters believing it is the only way to afford a home [1][2] Group 1: Market Trends - Home prices have historically risen by about 4% annually, meaning a $500,000 home could cost $520,000 the following year [4] - Recent years have seen home prices double in value over a decade, despite economic challenges like the COVID-19 pandemic [3][5] Group 2: Financial Implications - Delaying a home purchase in anticipation of a market crash may lead to higher costs in the long run, as buyers could miss out on equity growth [3][7] - Renting instead of buying results in lost potential home equity, which can significantly impact long-term wealth [6][7] Group 3: Interest Rates and Buying Power - Rising interest rates have decreased home buyers' purchasing power, with a 1% increase potentially reducing a buyer's budget by up to 10% in high-cost markets [7]

Core Insights - Florida ranks No. 18 nationally for highest costs of living, with a median home price of $425,000 as of December 2025, above the national median of $399,950 [1] - Typical salary in Florida is $60,000, which is below the national median earnings of $63,128, making it harder for residents to make ends meet [2] Affordability Analysis - The Basic Affordability Rule suggests that housing costs should not exceed 28% of gross monthly income, which translates to about $1,400 a month for someone earning $60,000 a year [3][5] - Based on this income, affordable home prices range from $220,000 to $260,000, depending on factors like credit score and down payment [6] - Aiming for a home priced around $250,000 means paying approximately 40% below the average listing price in Florida, necessitating a search in more affordable cities [6]

America’s hottest housing markets aren’t in flashy coastal cities — they’re in communities across the Midwest and South. Even as the national market cools, areas in states like Missouri and Kentucky are seeing double-digit price growth while remaining within reach for middle-income buyers.Recent data from the National Association of Realtors (NAR) ranked the top five single-family metro areas with the highest home price appreciation last quarter. Missouri’s Cape Girardeau held the top spot with a nearly 20% ...

RT MSB Intel (@MSBIntel)🇨🇳 CHINA HOUSING CRISIS: 43/46 RED MONTHS 🚨Jan Data: -3.1% YoY (Accelerating downside).6th straight year of a bear market.Sales expected to collapse another -14% next year.We are watching the largest asset class in history ($60T) deflate in slow motion. https://t.co/q18hcbTbi6 ...

昨天晚上，我姑父给我打电话，声音里带着点兴奋又带着点忐忑："你看到新闻没？上海那边国企直接收老房子，我那套虹口的老破小，是不是能卖给国家 了？" 我听完一愣，问他："你哪看的消息？" 他说："抖音上刷到的，说2026年楼市重磅福利，国企收购老破小，旧房变现换新房一站式搞定，还有补贴退税。我这房子挂了快一年了没人问，这不天上 掉馅饼吗？" 我当时就叹了口气——又是个被短视频标题带偏的。 挂了电话，我赶紧把各地已经落地的政策翻了个遍。今天就跟大伙儿说个明白：国企收房这事儿是真的，上海、杭州、济南等多地确实在搞，但不是所有人 都能赶上这波红利。今天把这事的门道掰扯清楚，免得你像姑父一样，光听个热闹，最后空欢喜一场。 先说结论：2026年确实有多地国企下场收购二手房，主要用作保障性租赁住房。上海浦东、静安、徐汇已经启动试点，杭州富阳、济南起步区、福建全省也 跟进了 那到底谁能享受到这波红利？我分四类人说清楚。 上海浦东是把收购款转成"房票"，你必须买浦东的新房 杭州富阳给的是"抵价券 购房券"组合——旧房收购价等额的抵价券，外加5%的购房券（最高10万），30天内必须买指定的18个新房项目 济南起步区更猛，全款收旧房 ...