The economic crisis is what we have already faced. In the economic crisis, the impact on housing loans is inevitable.

This is the subprime mortgage crisis in America.

The down payment of American housing loans is relatively low, generally around 10%, with 5% and some with zero down payment. In the case of low down payment, due to the decline in the price of commercial housing, there are many cases in which buyers' houses become negative assets, but the situation in China is different from that in the United States.

Because China's down payment is around 30%, the house price will not fall by more than 30%, which means that the house with loan will not become negative assets, except of course the house price is too high.

I suggest you predict the value trend of the house you bought before making a choice.