房价跌成这样，可断供的人却依旧很少

Core Viewpoint - Despite significant declines in housing prices, very few individuals are opting to default on their mortgages, indicating a strong psychological and financial commitment to maintaining their obligations [2][8]. Group 1: Psychological Factors - Many individuals express anxiety over falling housing prices but are reluctant to default due to the severe consequences, including loss of savings and family financial stability [3][7]. - The fear of facing failure and the associated shame plays a crucial role in the decision to continue making mortgage payments, even under financial strain [6][7]. - The burden of mortgage payments is often prioritized over other living expenses, reflecting a deep-seated commitment to financial responsibilities [6][7]. Group 2: Financial Implications - Defaulting on a mortgage could lead to severe repercussions such as bank foreclosure, ruined credit records, and increased family pressure, which are significant deterrents for homeowners [6][7][8]. - Many individuals are choosing to endure the financial strain of mortgage payments rather than risk the long-term consequences of defaulting, viewing it as a necessary sacrifice for the sake of family and personal integrity [7][8]. Group 3: Market Observations - The current housing market is characterized by a paradox where prices are declining sharply, yet the rate of mortgage defaults remains low, suggesting a collective resilience among homeowners [2][8]. - The ongoing pressure from mortgage obligations continues to weigh heavily on individuals, creating a sense of walking a tightrope where the fear of falling into default looms large [8].