Distortions in the real-estate market are a powerful motivation for saving, particularly among young people who struggle to meet the high down-payment needed to buy a first home. Part of the high cost of housing arises from an underdeveloped financial system, which makes housing one of the few alternatives to bank deposits as a store of value.
整顿住房市场亦有助于刺激消费。 房地产市场的扭曲是促使人们增加储蓄的又一个重大因素，特别是对那些努力凑钱支付首套房高额首付的年轻人来说更是如此。落后的金融体系是导致高房价的原因之一，它使得住房成为银行存款保值的极少几个替代选择之一。物业税或资本利得税有助于抑制投资性住房买卖。此外，中国亟需一个全面及全国性的住房政策来确保住房价格在用家可以支付得起的水平，特别是对那些收入有限的家庭。