2025/05/04 Real Estate Crisis Stress Test (Part 2)
Bank Credit Contraction: Increased bad debts force banks to reduce lending, public construction and infrastructure funding for local governments get stuck, further worsening urban economies.
Pension Crisis: Investment losses in real estate from pension funds require government to cover the gap, leading to increased taxes or reduced services, with everyone paying for the past overvaluation of assets.
Five Strategies for Different Identities
Real Estate Investors: Review leverage structure, ensure cash flow can support 12-24 months, wait for interest rates to drop. Consider selling assets for cash to avoid forced liquidation.
Office Workers: Strengthen transferable skills (such as remote work, project management), establish 6-9 months of emergency funds, develop side hustles or additional income streams to enhance personal adaptability.
Retirees: Review retirement fund allocation, reduce volatile assets, shift towards short-term bonds and government principal-protected instruments. Check if policies and annuities are tied to real estate, and adjust in batches if necessary.
Entrepreneurs and SMEs: Utilize shared spaces and flexible offices, negotiate backup funding with banks in advance. If holding commercial properties, shift to short-term rentals and shared uses to improve space efficiency.
Young Investors: Now is the time to save cash, establish cash flow, and accumulate knowledge and sensitivity to assets. Study one type of asset each week and seize opportunities when the market hits the bottom.
Conclusion: From Passive Observation to Active Control
This crisis is not a minor adjustment in the real estate market, but a stress test of the entire financial and social commitment mechanism. The real threat lies not in market fluctuations but in our blindness and ignorance towards risks. Starting today, build your own risk radar and financial defense network, becoming a navigator in the storm rather than a passive victim. For more exciting content, please follow JJ-Bit Channel.
#Not Investment Advice
