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"China has an indirect financing-oriented financial system and banking loans play a leading role in social funding," said Pan.

"China and the UK both have proud histories of innovation stretching hundreds, even thousands of years. That spirit of invention is still very much alive today, and if we pool our talents further, the results could be extraordinary," she said.

"Challenges still exist including changes in the external environment and corporate financing difficulties. However, these will not change the stable and positive trend, and financial risks are controllable as China's macro-control policies will gradually take effect," noted Zhang.

"China has been Germany's largest trading partner in recent years. Both countries should voice a shared stance against unilateralism and support for multilateralism," said Chen Xin, an economics researcher at the Institute of European Studies at the Chinese Academy of Social Sciences.

"But now, for many buyers, affordability is the only factor for decision-making. Some of those upgrading are dropping their plan simply because they can't afford to make higher down payment. Also, some buyers who wished to sell their first home and then buy a second one are hesitant because they are not sure if the family income will be stable and steady enough to cover the monthly installments related to a more spacious home," said Ma.