断供房越来越多，专家建议取消房贷，降低购房压力，可行吗？

Core Insights - The phenomenon of "supply interruption" in the housing market has surged, with a 37.8% year-on-year increase in the total number of interrupted supply houses, amounting to over 278 billion yuan, indicating a severe situation [1] - The decline in housing prices, dropping by 30% from historical highs, has led many buyers to face negative equity, forcing some to stop mortgage payments due to financial strain [1] - Economic downturns, including reduced income and rising unemployment, have exacerbated the inability of families to meet high monthly mortgage payments, making supply interruption a necessary choice [1] Summary by Sections Causes of Supply Interruption - Significant drop in housing prices has rendered many properties as negative assets for buyers, leading to increased supply interruptions [1] - Economic challenges, including income reduction and unemployment, have left families unable to afford mortgage payments, resulting in a rise in supply interruptions [1] Expert Recommendations - Experts suggest that canceling mortgages is not a viable solution due to the importance of mortgage business as a profit source for banks, which hold 38.6 trillion yuan in personal housing loans, accounting for 17.9% of total loans [5] - The current high housing prices necessitate loans for most families; canceling mortgages could lead to a sharp decline in housing demand and potential economic shocks [5] - Instead of canceling mortgages, it is recommended to raise the thresholds for mortgage loans to prevent excessive lending to those unable to repay, thereby reducing systemic financial risks [5] Policy Suggestions - Allow housing prices to gradually return to their residential attributes to eliminate bubbles and reduce future repayment pressures for homebuyers, which would decrease supply interruptions [6] - Accelerate the entry of affordable housing into the market and promote shared ownership housing to alleviate repayment pressures for buyers [6] - Implement more affordable rental housing options to address the housing needs of low-income families, rather than merely lowering mortgage thresholds [7]