过去，我们常听说"按揭买房"、"贷款买房"，如今房地产市场却催生出了一个令人费解的新词汇—— "贷款卖房"。 看似违背常理，实则正在各地悄然上演。 1 张三在2018年以30万元首付购买了一套100万元的房子，向银行贷款70万元。 七年过去，他共偿还了约20万元贷款，其中大部分是利息，本金仅减少了10万元。 如今这套房子市场估值仅剩50万元，而他的贷款余额仍有60万元。 这意味着，即使他能以市场价成功出售房产，在还清银行贷款后，他不仅拿不到一分钱，反而还要再掏 出10万元补足差额。 更残酷的是，经过多年还贷，张三的积蓄已经所剩无几，根本无力支付这10万元的"卖房费用"。他想放 弃房子，停止还贷，让银行收走房产。 但银行法拍的价格可能更低，扣除各种费用后，张三仍可能面临债务追偿。 走投无路之下，张三只能选择向银行申请一笔消费贷款，来填补卖房产生的资金缺口。 这就是"贷款卖房"的魔幻现实。 然而这样的遭遇并非孤例，当下楼市持续调整，越来越多的业主陷入了这种"房贷倒挂"的困境。 2 贷款卖房现象的背后，是两类截然不同却又殊途同归的业主群体。 第一类是多套房持有者。 于是不得不考虑卖掉唯一住房， 要么换个小房子要么转 ...

Core Viewpoint - The phenomenon of "loan selling houses" is becoming a reality for many families, where they owe more on their mortgage than the current value of their home, leading to financial distress and the need for additional loans to cover the difference [1][2]. Group 1: Understanding "Loan Selling Houses" - "Loan selling houses" refers to the situation where homeowners sell their property but still owe money to the bank, effectively becoming "negative assets" [1]. - An example illustrates a homeowner who bought a house for 6 million but can only sell it for 3.6 million, resulting in a 2.4 million shortfall that requires taking out another loan [1]. Group 2: Reasons for "Loan Selling Houses" - The trend is driven by two main factors: a sudden decrease in income and a continuous decline in housing prices [4]. - Many homeowners initially felt secure in their ability to pay their mortgage, but job losses and reduced incomes have made monthly payments unmanageable [5][6]. - Housing prices have dropped for 42 consecutive months, with a significant decline in recent months, exacerbating the financial strain on homeowners [6]. Group 3: Consequences of "Loan Selling Houses" - Families face severe financial repercussions, losing their initial investment and potentially accruing additional debt, leading to a state akin to bankruptcy [2][12]. - The increase in homes for sale due to financial distress contributes to a downward spiral in housing prices, creating a vicious cycle of declining values [13]. - The broader societal impact includes reduced consumer spending and increased anxiety among families burdened by debt, posing risks to social stability [14].