多房族的考验来了！45%家庭面临的4个难题，你准备好了吗？

Core Viewpoint - The Chinese real estate market has entered a prolonged adjustment period since 2022, with average national housing prices declining by over 30%, significantly impacting families with multiple properties [1][3]. Group 1: Real Estate Market Dynamics - The decline in housing prices has been felt across various cities, with second and third-tier cities experiencing sharper declines, particularly in the Beijing-Tianjin-Hebei region where prices have dropped by more than 50% [1]. - The proportion of families owning two or more properties has exceeded 45%, facing unprecedented challenges in liquidating their assets [1][3]. - The supply-demand imbalance is evident, with cities like Chongqing seeing nearly 340,000 second-hand homes listed for sale, while buyer demand continues to shrink [3]. Group 2: Financial Burdens on Homeowners - Families with multiple properties are struggling with heavy mortgage payments, which have become burdensome as incomes decline [3][6]. - The average monthly mortgage payment has surpassed 12,000 yuan, with first-tier city families often paying over 20,000 yuan, consuming more than 70% of their income [6]. - The cost of maintaining properties is rising, with monthly property fees for larger homes reaching 200 to 300 yuan, and additional costs for heating and maintenance increasing annually by 5% to 10% [7]. Group 3: Rental Market Challenges - The expectation of using rental income to cover mortgage payments is becoming increasingly difficult, especially in third and fourth-tier cities where rental demand is low [8][10]. - In major cities like Shanghai, rental prices have decreased, making it harder for homeowners to rely on rental income to alleviate financial pressure [10]. Group 4: Psychological and Social Impacts - The financial strain from high mortgage debts is leading to significant psychological stress, with individuals facing anxiety and depression at rates three times higher than the general population [14]. - Many families are forced to cut back on essential expenses, including education and healthcare, due to the financial burden of their mortgages [14]. Group 5: Risks of Default - The risk of default is a growing concern, with some homeowners considering extreme measures like "defaulting" on their loans, which can lead to severe financial and legal repercussions [15]. - A case study illustrates the potential losses and long-term damage to credit scores that can result from defaulting on mortgage payments, highlighting the precarious situation many homeowners find themselves in [15].