Core Insights - The article highlights the struggles of homeowners in major cities who are unable to sell their properties for enough to cover outstanding mortgage loans, leading to a growing trend of "unable to sell" situations [1][8]. Group 1: Homeowners' Financial Struggles - Homeowners like Yang Qing and Wang Bin are facing significant financial distress as the sale price of their properties is insufficient to cover remaining mortgage balances, resulting in potential losses of hundreds of thousands [1][5]. - Yang Qing's property, purchased for nearly 400 million, is now valued at around 220 million, leaving her with a shortfall of over 100,000 to cover the mortgage [2][3]. - Wang Bin's property, originally bought for over 200 million, is now estimated to sell for only about 100 million, with a remaining mortgage of 120 million, indicating a severe depreciation in property value [4][5]. Group 2: Impact of Economic Conditions - The article notes that many homeowners who bought properties between 2018 and 2021 are now experiencing a dual challenge of high property prices and rising mortgage rates, making it difficult to manage monthly payments [8]. - The economic downturn has led to job losses and reduced incomes, further exacerbating the inability to meet mortgage obligations, as seen in Yang Qing's case where her husband lost his job [3][8]. - The trend of homeowners unable to sell their properties is increasing, with reports of individuals resorting to borrowing money to cover mortgage payments, which is not a sustainable solution [8][9]. Group 3: Selling Strategies and Market Dynamics - Some homeowners, like Ma Yan, have opted to sell their properties despite incurring losses, as the financial burden of mortgage payments became unsustainable [6][7]. - The article discusses the role of real estate agents in advising homeowners to sell quickly to avoid further losses, with some properties expected to depreciate even more in the near future [5][8]. - There are emerging services aimed at helping homeowners manage their mortgage payments through loans, but many homeowners do not qualify for these options, leaving them with limited choices [8][9].

今年以来，卖房款无法覆盖房贷尾款，有业主面临"卖不起 房"的尴尬。一位中介告诉经济观察报，他的一位客户与买家 已经签约，但由于借不到钱还尾款，最终没有完成交易，"买 家比较同情卖家，没有收违约金"。 作者： 田国宝 封图：图虫创意 10月10日下午，杨清为卖房去了一趟银行和小区门口的中介门店，汇总银行和中介的信息后，杨 清发现，现在卖掉房子所得的钱还不够支付贷款的尾款。 杨清的小两居位于一线城市的核心区，2019年底购入，目前房贷尾款本金还剩230多万元。中介告 诉她，房子的成交价预计在220万元左右，她简单算了一下，想要卖掉房子，还需要补上十几万 元。 杨清的情况并非个例。2025年9月底，因计划回老家发展，王斌打算卖掉自住的房子，向中介咨询 后，他发现200多万元购入的房子，目前只能卖到100万元出头，而他贷款的尾款还剩下120万元左 右。 2025年中，马燕为了卖掉老家的房子，向工作所在地城市的银行贷款20万元，才勉强还清了银行 尾款。她说，买房时，她和丈夫分别向同学借了不少钱才凑够首付款，没想到卖房时还得借钱，虽 然损失惨重，但她也解脱了。 今年以来，卖房款无法覆盖房贷尾款，有业主面临"卖不起房"的尴 ...