It is not that after the subprime mortgage in the United States, the question is whether the money that buyers have to pay back will rise. But after people speculate on house prices, some people sell houses, and house prices fall below the value of the loan you need to repay. Some people don't want their houses, so they throw them all into the bank. Nobody wants the house, and it's useless for the bank to take it. It has become a dead asset, which leads to the bank's loan not being recovered, resulting in a vicious circle. For example, if you buy a house now, you will pay a down payment of 20%. After you bought it, the house price fell by 30% or more. You still owe the bank 80%, but the house value is less than 70%. If you continue to repay the loan, it is equivalent to paying 10% more. Do you still want it? Then you will definitely throw the house to the bank. At present, the state requires that the down payment should not be lower than 30% or even 60%, just to prevent the house price from falling and the loan from being collected, which will lead to bank failures and economic disasters. During the financial turmoil in 2008, house prices in some cities in the United States and Japan fell by 80% or even higher. At one time, no one cared about a villa as long as one yuan. Of course, such houses are all in the suburbs, there is no water, electricity and gas, and the transportation is not convenient. My brother is in Detroit, USA. He bought a house, which was sold to him by a Taiwan Province man. In 2006, the people of Taiwan Province Province spent $360,000 and sold it to him for $20 10, but only sold it for $220,000. Has it dropped by 40%? In Detroit, this is not bad. American houses have to pay property tax. My brother's house pays nearly $4,000 a year. Due to taxes, house prices have fallen, driving some people to abandon their houses, and the vicious circle continues.