魔幻！一批人开始“贷款卖房”了！

Core Viewpoint - The emergence of "loan selling" in the real estate market reflects a troubling trend where homeowners are forced to take out loans to cover the gap when selling properties that have depreciated in value, leading to a cycle of financial distress and market instability [1][6]. Group 1: Current Market Situation - Homeowners like Zhang San, who purchased properties with significant loans, are now facing situations where their property values have plummeted, resulting in negative equity [3][4]. - The phenomenon of "loan selling" is becoming more common as many homeowners are unable to afford their mortgage payments due to declining incomes and rising financial pressures [10][11]. - This situation has led to a vicious cycle in the second-hand housing market, where properties are listed at prices below market expectations, further driving down regional property values [13][24]. Group 2: Types of Homeowners Affected - There are two main groups of homeowners affected: investors with multiple properties who are now facing losses due to falling prices and ordinary families who are struggling to meet mortgage payments [7][10]. - Investors are opting to sell off properties at a loss to recoup some funds, while ordinary families are considering selling their only homes to alleviate financial pressure [8][12]. Group 3: Banking Response - Banks are reluctant to support "loan selling" as it violates regulations and poses risks of increased bad debts, leading them to offer various relief options instead [13][16]. - Many banks are providing assistance to struggling homeowners through measures such as extending loan terms, lowering interest rates, and offering grace periods for repayments [18][19]. - The cost of foreclosure for banks is significant, as properties often sell for much less than the outstanding loan amounts, increasing their non-performing asset ratios [19][20]. Group 4: Market Dynamics - The ongoing pressure from homeowners adopting a "long pain is worse than short pain" mentality is intensifying the selling pressure in the second-hand housing market [20]. - The market is characterized by a buyer's market, with increasing price wars among sellers leading to further declines in property values [23].