Group 1 - The current real estate market has shifted dramatically, with significant losses for homeowners compared to previous years [1][5] - A homeowner who purchased a property for 2.6 million is now facing a potential sale price of only 1.5 million, resulting in a loss of 1.1 million over four years, in addition to 500,000 in mortgage payments [1] - The financial burden of outstanding loans is highlighted, as a homeowner with a 1.2 million mortgage can only sell their property for 800,000, necessitating additional borrowing to clear the mortgage before transfer [2] Group 2 - The banking sector's risk management practices are questioned, as banks do not seem to bear any risk despite being responsible for property valuations at the time of mortgage approval [5] - The narrative suggests that banks profit from interest on mortgages without sharing the risks associated with declining property values [5] - There is a growing sentiment among homeowners that the current system places undue financial pressure on them, especially when selling properties requires clearing existing loans [5]