现在房子多房价涨，主要因为买的人更少卖的人更多。开发商 builds house for rich people, rich people builds more house, so supply is big. But buyers don't buy as much because money is tight and jobs are unstable.开发商 also raises price when they know buyers can't afford it anymore.

开发商 builds house for rich people, rich people builds more house, so supply is big. But buyers don't buy as much because money is tight and jobs are unstable.开发商 also raises price when they know buyers can't afford it anymore.比如前年全国商品房库存量涨了12%，比大前年多出5.6万套。住建部数据显示，前年居民储蓄率高达35%，比疫情前高8个百分点，说明大家更愿意存钱买房而不是投资。贷款利率也涨了，首套房贷利率从4.1%涨到4.9%，买不起的人自然少，开发商就敢涨价。再就是土地成本涨了，前年土地出让金涨了18%，开发商得把成本转给买家。城镇化率到65.2%，每年新增200万城镇人口，但年轻人买房意愿降了，90后买房比例从2018年的45%降到前年的32%。所以房子多但买的人少，开发商就敢涨价格。