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Wealthy investors in China are increasingly beginning to question whether luxury real estate still deserves its traditional status as a safe store of value.
The spread of discussions on Chinese social media currently show that houses worth ¥60-66 million ($414,000-455,000) in Shenzhen Bay are directly compared to Bitcoin, Nvidia shares and BNB, not as status symbols, but as competing assets in a global portfolio.
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Cryptocurrencies or real estate: Why China’s rich are questioning the value of home ownership
The transformation is impressive, as Shenzhen Bay has long been considered one of the most distinguished and resilient real estate markets in mainland China. However, recent publications indicate that this paradise, too, is no longer immune to changes.
One widely circulated account describes a tour of a property worth ¥66 million, warning a friend that its value could drop to ¥30 million in three years. According to the post, prices in the area have already fallen by about 50%. A further decline is expected in the event of a wider financial crisis.
Male user And he wrote Citing a comment attributed to Tron founder Justin Sun that houses themselves have no intrinsic value, buying a house should be viewed from an investment perspective. When included in a broader asset portfolio alongside global liquid instruments such as Bitcoin, Nvidia shares and BNB, the conclusion becomes, the editor said, “quite clear”.
Other investors have echoed this concern. One user admitted that he had taken out a ¥60 million mortgage in Shenzhen, and said he wasn’t sure “whether I should be happy or worried.”
Male user And he said Already, I have obtained a mortgage worth 60 million, Shenzhen CITC City Opening Xinyue Bay. I don’t know if I should be happy or worried.
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Another user mocked himself, saying he had become a “house slave”. He mentioned He indicated Until only the full payment freed him from the psychological fullness of the debt. Others warned of the need for caution. Council At higher mortgage rates, the increase in housing supply, and the risk of capital concentration in a single illiquid asset.
Go beyond discussions Prices decrease They reflect deeper concerns about liquidity and political exposure. Investors argue that luxury properties have become harder to exit quickly and become more visible to regulators.
Buying a home worth ¥100 million or more attracts tax audits and investigations. This adds layers of risk over time Tighten the policies . In contrast, cryptocurrencies and global stocks are seen as easier to cover, trade and move across borders.
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Real estate in Hong Kong is about freedom, not returns
Reframe this comparison also because Hong Kong real estate continues to command a price premium. According to one publication, the attraction comes more from the exchange of money for freedom than from the expectation of investment returns.
Investors pointed to European real estate, which can provide a residence or a passport with much less capital, as another example of using property for freedom of movement in terms of social prestige. In contrast, they described luxury homes on the mainland as offering neither strong returns nor multiple options.
Some investors have compared the current housing market with Chinese AShare stocks. They emphasized that domestic assets tend to fall during geopolitical pressures, but do not rebound when global markets rise significantly.
Real estate, especially in Shenzhen Bay, shows this contrast; It becomes vulnerable during bearish periods but remains stable during periods of risk appetite.
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The impacts extend beyond real estate. Cryptocurrencies are no longer defined primarily as a speculative mortgage, but rather as a strategic tool for capital preservation and flexibility.
BeinCrypto highlighted that younger investors, who have become increasingly difficult to buy luxury real estate, are increasingly opting for digital assets and international shares, which offer clearer risk profiles and easier access.
The price of luxury real estate compared to Bitcoin and global stocks indicates a structural change in Chinese wealth management. As the free movement of capital takes center stage and political scrutiny increases, global liquid assets are gradually overtaking real estate as the preferred means of preserving value.
The regulatory response, and whether or not property prices stabilize, will influence the shape of China’s domestic markets. This could also impact the next phase of cryptocurrency adoption in the country.
