贷款卖房潮隐现：房价跌、收入少，多少家庭卖房还倒贴钱？

Core Viewpoint - The phenomenon of "loan selling houses" is becoming a reality for many families, where they owe more on their mortgage than the current value of their home, leading to financial distress and the need for additional loans to cover the difference [1][2]. Group 1: Understanding "Loan Selling Houses" - "Loan selling houses" refers to the situation where homeowners sell their property but still owe money to the bank, effectively becoming "negative assets" [1]. - An example illustrates a homeowner who bought a house for 6 million but can only sell it for 3.6 million, resulting in a 2.4 million shortfall that requires taking out another loan [1]. Group 2: Reasons for "Loan Selling Houses" - The trend is driven by two main factors: a sudden decrease in income and a continuous decline in housing prices [4]. - Many homeowners initially felt secure in their ability to pay their mortgage, but job losses and reduced incomes have made monthly payments unmanageable [5][6]. - Housing prices have dropped for 42 consecutive months, with a significant decline in recent months, exacerbating the financial strain on homeowners [6]. Group 3: Consequences of "Loan Selling Houses" - Families face severe financial repercussions, losing their initial investment and potentially accruing additional debt, leading to a state akin to bankruptcy [2][12]. - The increase in homes for sale due to financial distress contributes to a downward spiral in housing prices, creating a vicious cycle of declining values [13]. - The broader societal impact includes reduced consumer spending and increased anxiety among families burdened by debt, posing risks to social stability [14].