Core Insights - The phenomenon of "supply interruption" in the housing market has surged, with a 37.8% year-on-year increase in the total number of interrupted supply houses, amounting to over 278 billion yuan, indicating a severe situation [1] - The decline in housing prices, dropping by 30% from historical highs, has led many buyers to face negative equity, forcing some to stop mortgage payments due to financial strain [1] - Economic downturns, including reduced income and rising unemployment, have exacerbated the inability of families to meet high monthly mortgage payments, making supply interruption a necessary choice [1] Summary by Sections Causes of Supply Interruption - Significant drop in housing prices has rendered many properties as negative assets for buyers, leading to increased supply interruptions [1] - Economic challenges, including income reduction and unemployment, have left families unable to afford mortgage payments, resulting in a rise in supply interruptions [1] Expert Recommendations - Experts suggest that canceling mortgages is not a viable solution due to the importance of mortgage business as a profit source for banks, which hold 38.6 trillion yuan in personal housing loans, accounting for 17.9% of total loans [5] - The current high housing prices necessitate loans for most families; canceling mortgages could lead to a sharp decline in housing demand and potential economic shocks [5] - Instead of canceling mortgages, it is recommended to raise the thresholds for mortgage loans to prevent excessive lending to those unable to repay, thereby reducing systemic financial risks [5] Policy Suggestions - Allow housing prices to gradually return to their residential attributes to eliminate bubbles and reduce future repayment pressures for homebuyers, which would decrease supply interruptions [6] - Accelerate the entry of affordable housing into the market and promote shared ownership housing to alleviate repayment pressures for buyers [6] - Implement more affordable rental housing options to address the housing needs of low-income families, rather than merely lowering mortgage thresholds [7]

房市寒冬下的沉浮：昔日"香饽饽"今朝"烫手山芋" 曾几何时，郊区的一隅小宅，是许多人安家置业的梦想。然而，对于老张而言，2022年购入的那套郊区小户型，如今却成了压在他心头的巨石。挂牌大半 年，问津者寥寥，迫于生计，他不得不考虑20%的降幅，才能求得"解脱"。更让他头疼的是，房贷每月如期而至，房子卖不出去，这进退两难的境地，让他 不禁扼腕叹息："早知如此，当初就该听你的，不把这套房子当投资了。" 老张的困境，并非孤例。中国房地产协会在2025年4月发布的《房地产市场观察报告》揭示了一个令人触目惊心的现实：全国范围内，已有超过200万套房产 因断供而流入市场，较2023年同期激增了57%。曾经陌生的"断供"一词，如今已然成为房地产市场挥之不去的阴影。 这场房地产市场的剧烈变动，并非毫无预兆。近年来，随着我国人口结构的变化、城市化进程的放缓以及居民购房观念的转变，整个房地产市场正经历着前 所未有的深刻变革。2025年第一季度的数据显示，全国商品房销售面积和销售金额分别同比下滑16.8%和19.3%。与此同时，房价指数已连续七个季度呈现 下跌态，其中三四线城市的价格跌幅尤为显著。 这些冰冷的数据背后，是无数家庭财富 ...