在中国国家主席习近平“房住不炒” 的口号下，中国房地产市场已经明显降温，再加上疫情冲击造成失业率骤增，不少买房人再也无法支付高额的房贷，准备弃房断供，中国迎来史上最大断供潮。
近日，网络上热传河北省张家口市环京诸多买房人断供事件。根据业主的聊天记录显示，张家口房价下跌幅度高达50%，业主以1.2万/㎡的高价购入，现在以6000元/㎡的价格都卖不出去，银行还有贷款需要偿还，令业主萌生断供的念头。
另一位业主则表示，自己早在9月份开始已经就没有再还房贷了，再加上腰斩的房价，令业主心生感叹，“这简直就是在填坑啊，无底洞，还了也没用。”业主还解释说，“昌平的房子还要还贷，而且房子从上个租客退租后一直没租出去呢，原本计划以租养贷破灭了，这两年一直疫情，我老公弄的KTV赔了不少。哎，实在是没钱再还了……”
另有环京的业主透露，自己听说5号楼有十几户已经断供了，估计也是彻底失望了！
除了河北，河南也出现断供的现象。近日，河南夫妻委托一位媒体人讲述了自己的故事，在网络上大火。丈夫张三原本是郑州市某饭店厨师，妻子小白是培训班的语文老师，夫妻二人几年前在郑州南四环买下一套总价115万元（人民币，下同）89㎡的房子，贷款30年，每月需要还款4800元，夫妻二人的收入足够还贷款和生活。
没想到夫妻二人遭遇疫情和教育双减的冲击，双双失业。目前只有张三一人在打零工，月薪只有4500元，连房贷都不够还。10月，张三收到银行的还贷告知书，如果无法及时还款，他的房子将面临拍卖，令张三如五雷轰顶：“人的崩溃都在一瞬间，而我的崩溃就在此时此刻。”
不仅房屋面临法拍，张三还要承担房屋价格下跌的损失。张三当年的买入价是1.3万/㎡，而现在同样户型的房子，房价已经跌到了1.1万/㎡。
其实，早在今年2月，房产市场就出现断供苗头。1月12日和26日，环京楼市燕郊天洋城一位业主黄先生（化名）在贴吧发帖，称自己愿意“赠送天洋城房产（目前还有贷款），先到先得。”
消息显示，房子是天洋城2号公寓楼，2016年买的，40平米，还剩70万以上贷款未还，但目前没有断供。由于业主还不起房贷，所以愿意将自己的住房免费赠送，但条件是愿意承担转让费用和来回路费。该消息吸引了众多网友的围观。大陆媒体华夏时报记者也确认了该消息的真实性。
中国近几年法拍房的数量不断激增，根据阿里平台的数据显示，全国法拍房的挂牌量飙涨近187倍，从2017年的9000多套直线上升至2021年的168万套。
不过，断供也为老百姓带来风险。银行会直接提起诉讼，不仅“百发百中”，且要求借款人支付一系列费用。有网友分享自己的亲身经历，2017年花了426万买了个三居室，其中298万是贷款，月供1.68万，四年还款总额为80多万，结果经济不景气，还不起贷款，银行直接选择了起诉。
据这名网友透露，法院传票寄到家来，有没有人签收无所谓，看不见是命，就算看见了也没什么争辩的余地，在这场官司里，银行是稳赢。
根据法院判决书显示，这名网友四年还的是利息64万，本金只还了16万，简言之，贷款还有282万元没还，并且因为被判决且败诉，这名业主还需要负责偿还这段时间产生的利息、罚息、案件受理费和律师费等，共计19万多。
更令人无奈的是，因为房价大幅下跌，业主400多万购入的房子，现在只值240万。如果想上诉、翻案，还得花三万块钱的申请费。
面对还不出钱的老百姓，中国政府还实行上征信记录措施，阻止对方乘坐交通工具，并且禁止在事业单位任职，且连累子女、父母。对于使用住房公积金者，银行还会打电话催促还钱。
除了个人之外，许多开发商也没钱“断供”了，多个城市出现“工抵房”现象，也就是工程抵押房，简言之就是开发商向银行贷款的期限到了，或者是欠承建商的钱也该给了，但是手里没钱，所以就用房子给银行或者承建商用于抵帐。
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