中国断供房超过350万套？内行人建议：提前做准备，注意3个问题

Core Insights - The Chinese real estate market is undergoing a significant transformation, marked by a surge in mortgage defaults and a dramatic increase in the number of foreclosed properties, which is projected to exceed 3.5 million this year [1][3]. Group 1: Causes of Mortgage Defaults - The sharp decline in property prices has led to a "roller coaster" effect for investors, prompting many to abandon their properties to mitigate losses as prices have dropped by as much as 30% in some areas [5][7]. - Economic pressures have intensified, with many households facing reduced incomes or unemployment, making it increasingly difficult to meet mortgage obligations [7]. - Impulsive investment decisions made during the property price boom have resulted in regret as falling prices and rising financial burdens lead some homeowners to choose default as a way out [5][7]. Group 2: Industry Implications - The difficulty in selling properties has increased, with developers resorting to significant discounts, and the number of second-hand homes listed for sale has surged by 25% in key cities [9]. - The rising number of foreclosed properties poses a challenge for banks, as the value of down payments diminishes and the ability to liquidate these assets becomes increasingly difficult [10]. - The potential for accelerated property tax reforms is emerging as a response to the growing number of defaults and market instability, indicating a shift towards more stringent regulatory measures [11].