断供多了，轮到银行慌了！

Core Insights - The banking sector is showing a shift in attitude towards mortgage defaults, with banks now more willing to negotiate with borrowers rather than pursuing foreclosure aggressively [1][3][4] Group 1: Changes in Bank Behavior - Banks are increasingly reluctant to foreclose on properties, opting instead to work with borrowers who are struggling to make mortgage payments [1][4] - Recent data indicates that the number of mortgage defaults is significantly higher than the number of foreclosures, suggesting a change in banks' strategies [3][4] - The trend of declining foreclosure rates is evident, with a reported decrease of over 20,000 properties available for auction in 2024 compared to 2023 [4][6] Group 2: Market Conditions and Impacts - The real estate market has shifted, with property values declining and making it difficult for banks to sell foreclosed properties at a profit [4][6] - In second and third-tier cities, the clearance rate for foreclosed properties is low, with banks struggling to sell even a fraction of the properties they list [6] - The Basel Accord regulations require banks to maintain a certain level of high-quality assets, which influences their decision to keep non-performing loans on the books rather than foreclosing [6] Group 3: Implications for Borrowers - Borrowers facing difficulties are encouraged to communicate with their banks, as many banks are willing to offer flexible repayment options to avoid foreclosure [8] - In regions with stronger real estate markets, such as Jiangsu and Zhejiang, banks are still likely to pursue foreclosure if borrowers default, indicating a regional disparity in bank practices [8]