First, the buyers with high debts and low deposits should be the most, because the house price is too high, many young people have to make a down payment to buy a house, exhausting their savings at home, and the rest can only be solved by loans. And this loan is borrowed for 20 years and 30 years.
It can be said that this house overdraws at least half of the family's expenses in the next 10 year, and the debt is undoubtedly high. With such a high debt, it is naturally difficult to deposit, that is, there is a phenomenon of high debt and low deposit.
In this case, the risk of resisting falling house prices is the greatest. Once it falls, house prices will depreciate, but there are still so many bank loans. On the other hand, falling house prices may lead to economic downturn and reduced income. Under the double blow, such people are the first to be affected.
Second, real estate enterprises are similar to individuals who just need to buy a house, and real estate enterprises also belong to the type of enterprises with high debt management. If house prices fall, housing enterprises may not be able to bear the financial pressure. According to the policy, if the land is not developed for two years, then this land will be regarded as idle land and the result will be recovered by the government. Just like dominoes, the profits of housing enterprises will narrow, the capital chain will break, and the phenomenon of bankruptcy will appear one after another.
3. If the house price of banks falls, which affects a large number of buyers and real estate enterprises, then the banks that provide loans to these two groups of people can't be immune to it.
Just like you bought a house with a price of 6,543,800+and a loan of 700,000, if the house price drops and the house is only worth 500,000, will you still pay the mortgage? Inferred from the hypothesis of rational economic man, the average person will not want this house, and the loan will not be repaid. Then the bank will clean up the mess. Even if the bank takes back the house, it can't cover the loan and reduce the loss by selling it.
If house prices fall, these three people will lose the most. In fact, why the real estate speculators won't lose so badly, not only because of their professionalism. In a field, unfamiliar people feel risky, and familiar people and professionals will not face such a big risk.