断供房已超过200万套？内行人建议：取消房贷，预防压力过大

Core Insights - The real estate market is experiencing a significant downturn, with a sharp increase in foreclosures and a drastic decline in property values, leading to financial distress for many homeowners [1][2][4][10] Group 1: Market Trends - In the first half of 2025, over 300,000 new mortgage defaults were reported, a 40% increase compared to the same period in 2024, with total foreclosed properties exceeding 2 million [1] - The number of foreclosed properties has surged by 180 times since 2020, with cities like Zhengzhou and Wuhan seeing property prices drop back to 2018 levels, with some areas experiencing declines of over 40% [1] - Nationally, the number of mortgage defaults reached 837,000 in June 2025, marking a 17.2% year-on-year increase and the fourth consecutive year of growth [2] Group 2: Financial Impact on Households - Homeowners are facing severe financial strain, with many properties now valued below the outstanding mortgage balance, leading to a phenomenon of "negative equity" [4][5] - The unemployment rate for the primary working age group (25-59 years) reached 5.3%, while youth unemployment (16-24 years) soared to 18.2%, exacerbating the ability to meet mortgage payments [4] - Over 42% of households reported a decline in income, with 15.3% experiencing a drop of more than 30% [4] Group 3: Banking Sector Response - Banks are adapting to the crisis by offering more flexible repayment options to borrowers, including proposals to allow reduced monthly payments to retain homes [5] - The banking sector is facing increasing non-performing loans as more homeowners opt for default, leading to a potential financial crisis if the trend continues [5][10] Group 4: Changing Attitudes Towards Homeownership - A shift in perception is occurring, with younger generations valuing flexibility and experiences over homeownership, as the financial burden of mortgages becomes more apparent [8][12] - The concept of homeownership as a guaranteed investment is being challenged, with many now viewing it as a liability rather than an asset [10][12] Group 5: Recommendations for Homeowners - Homeowners are advised to assess their financial situations carefully, considering options such as negotiating with banks for payment adjustments or selling properties to mitigate losses [9] - It is crucial to avoid taking on additional debt in the current market, as the risk of further declines in property values remains high [9][10]