贷款贴钱也要把房卖掉！

Core Viewpoint - The article highlights the increasing difficulty homeowners face in selling properties due to the inability of sale proceeds to cover outstanding mortgage payments, leading to a situation where many owners find themselves unable to sell their homes [1][3][15]. Group 1: Individual Cases - Yang Qing, who purchased a 60-square-meter apartment for nearly 400 million yuan in 2019, now faces a situation where the expected sale price of 220 million yuan is insufficient to cover her remaining mortgage of over 230 million yuan, requiring her to find additional funds to complete the sale [2][5]. - Wang Bin, who bought a 97-square-meter apartment for approximately 240 million yuan, discovered that the current market value is only around 100 million yuan, leaving him with a remaining mortgage of 120 million yuan and needing to invest an additional 20 million yuan to sell [8][9]. - Ma Yan successfully sold her property but had to borrow 20 million yuan to cover the remaining mortgage balance of nearly 90 million yuan after selling the house for about 80 million yuan, incurring a loss of nearly 60 million yuan [11][13]. Group 2: Market Trends - The article notes a trend where many homeowners who purchased properties between 2018 and 2021 are now experiencing both asset depreciation and increased difficulty in meeting mortgage payments, leading to a rise in the number of individuals unable to sell their homes [15][16]. - The article mentions that homeowners are increasingly considering selling their properties as a means to avoid defaulting on their mortgages, with some opting for strategies like "断供保房" (defaulting to protect the property) as a last resort [16][17]. Group 3: Financial Implications - The financial burden of mortgage payments has become unsustainable for many families, with some homeowners reporting that mortgage payments consume a significant portion of their income, leaving little for other expenses [6][12]. - The article discusses the challenges faced by homeowners in securing loans to cover mortgage payments, as many do not meet the requirements for additional borrowing, further complicating their financial situations [16][17].