Core Insights - The article highlights the increasing number of individuals unable to repay their mortgages, which is a growing concern amidst fluctuating housing prices [1][9]. Group 1: Housing Market Dynamics - The housing market is experiencing price fluctuations, with some areas seeing price corrections due to regulatory measures, which can create psychological pressure for existing mortgage holders [9][10]. - The traditional view of homeownership as a symbol of success is being challenged as many individuals face financial burdens due to mortgage repayments [3][7]. Group 2: Personal Stories and Impacts - Personal anecdotes illustrate the emotional and financial strain of mortgage debt, such as the case of Xiao Li, whose stable mortgage turned into a significant burden after a job loss [3][6]. - The narrative of Wang Ayi emphasizes the generational debt transfer, where parents feel obligated to support their children in home purchases, impacting their own financial stability [6][7]. Group 3: Coping Strategies - Individuals are exploring various strategies to cope with mortgage pressures, including reducing expenses, seeking additional income, or even opting to stop mortgage payments altogether [11]. - The case of Zhang demonstrates a shift towards prioritizing personal freedom and self-investment over maintaining homeownership under financial strain [11]. Group 4: Societal and Governmental Roles - The article calls for a balanced approach from both individuals and the government to address the challenges faced by mortgage holders, advocating for more supportive policies [10][15]. - It emphasizes the need for a more compassionate and humanized environment to help individuals navigate the complexities of mortgage debt and housing pressures [15].