We don't bend about the house. It's all true. The city of 2026 is not the kind of country that went up and down in 2026. Whether you're going to buy a new house or have a room in your hand to know if you should stay, these three real changes are directly related to your money bag, and the bottom line is in your mind。
The first and most visible change: the city completely opens up the gap, the good place is stable and the usual place is not looking for higher prices
It was always said that buying a flat for a few years could go up, and that was simply not possible. The most intuitive feeling in 2026 was that the market was particularly divided and that the price of housing in different cities was completely different。
The houses in the second-line cities, such as beijing, shanghai, guangzhou, shenzhen, and hangzhou, nanjing, chengdu and wuhan, can't fall down at all. Instead, they slowly stabilize and move up a little bit. The reason is simple: there are many jobs in these places, young people are willing to come, hospitals and schools are full of them, no matter how the market changes, people who need and improve are always there, and housing prices are naturally supported。
Looking at ordinary cities on the 2nd and 3rd line, there is no viable industry, the population can't afford to stay, the house price can barely rise or fall, it's almost impossible to earn money by buying a house, it's okay to live on its own, and investment is done。
The three or four small towns and counties where the population is moving out of the country require the most attention. The main task now is to digest stocks, and the government is converting surplus commodity houses into secure houses and rental houses, which have no room for value added except for themselves。
In short, the choice of a house in 2026 is more important to the city than anything else, and the holding on to the heart of a large city can stabilize assets, and the choice is small, and the probability is in hand。
The second change: the policy is all about saving money, and the cost of buying housing has been the lowest in recent years
The state's attitude towards the city over the past two years has been clear, and without heavy water, it has been perfect to help people who really need housing, a trend that became even more evident in 2026, all of which are beneficial。
First of all, it's a scrambling concern, and it's almost over. Now that the state has created a white list of financing for scalable housing enterprises, where the money can be accurately paid to developers, where the security is particularly tight, and where the government buys stock, where the problem of the market's rotting tails is rare, it is more comfortable to buy new houses。
The most important housing loans and taxes are now at 2. 95 per cent to 3. 0 per cent of the interest rates for first-class housing, which are lower in some cities, a low interest rate that has been rare for so many years and saves a lot of money every month. In addition, these policies, which reduce the number of years of retrenchment and value-added tax relief, are aimed at selling old people to buy new ones, saving a considerable amount of tax money, and being particularly friendly to families wishing to change large houses。
To put it simply, the policy is not to fire hotbeds, but to make it affordable and affordable for those who really need it, whether they are first needed or better to change their homes, at a really low cost this year。
The third change: the fact that the house is back to its essence, that it's good property and good quality is more valuable
When people used to buy houses, they looked at the land and saw if they could raise the price. Starting in 2026, the old concept had to be changed and the house had finally returned to its original form, which it used to live with。
Now the state is pushing for “good houses”, not luxury, but comfort, security and safety. In the same sub-region, property is responsible, the environment is well maintained, the house is of good quality, even if it is older, sells better when it changes hands, and the price is higher; on the contrary, property is in disarray, the house leaks, the environment in the sub-district is poor, even if it works, and no one wants to take over, and it will only become less valuable。
The quality, property and comfort of the house will be the key to determining its worth. The age of house-demolitions is over, and it is impossible to be rich overnight, and it is the right choice to actually choose a good house。
Then i will say to you: "the city of 2026, which did not make any profit, nor did it fall, was set back to reason." it is a good time to get in the car right now, with low interest rates and a large housing stock; to improve the change of houses, to make them more comfortable and more valuable, taking advantage of policy concessions; and to put an end to the idea of investing in houses for money, the market is no longer ready for speculation。
Speaking of which, many people have a problem: the same budget is for a smaller house at the heart of a large city, or for a large house in a remote or small city? What is your preference for this choice, which directly affects life and assets for years to come? What's the safer choice
