但如果房价反而下跌了10%，房子的价值会很快低于贷款额。
But if prices fall by 10% instead, the house will soon be worth less than the loan.
所以这个回归模型告诉我们厨房里的花岗石并不会影响房子的价值。
So this regression model is telling us that granite in your kitchen doesn't affect the house's value.
下周屋主来访时，我评估这间房子的价值已有一会儿了。
I will have been evaluating the price of the house by the time the owner comes to visit next week.
有房者的情况也会变糟，因为他们主要资产之一的房子的价值正在贬值。
Homeowners are worse off, too, because the value of one of their vital assets is eroding.
即使你是通过银行贷款买的房子，你也因为你房子的价值而成了百万富翁。
Even if you bought the house through bank loans, you are still a millionaire if your assets are judged by the house value.
如今将近四分之一的美国房贷及45%的佛罗里达州房贷，已高于房子的价值。
Almost a quarter of all mortgages in America, and 45 percent of mortgages in Florida, are underwater, with owners owing more than their houses are worth.
有史以来第一次，在房子的价值跌破贷款的时候，业主们道了拥有一份乱七八糟的合同意味着什么。
For the first time, homeowners here are learning what it means to have an upside-down mortgage - when the value of a home falls below the amount of debt on the property.
这句的愿意是“房子的价值取决于你用它来居住的价值，两个不同的人会对同一所房子得出不同的价值。
The value of a home is the the value you get from living in it and two different people are going to get two different values from the same home.It's a very individual decision.
这句的愿意是“房子的价值取决于你用它来居住的价值，两个不同的人会对同一所房子得出不同的价值。
The value of a home is the the value you get from living in it and two different people are going to get two different values from the same home. It's a very individual decision.
最近的房地产趋势表明，与不适合行走的兄弟城市相比，那些较适宜行走城市的住房和公寓需求较高，房子的价值也要高一些。
The latest real estate trends show that homes and apartments in walkable areas are in higher demand and are worth more than their less-walkable counterparts.
有时，这所房子是一栋海滨别墅，位于一个有门禁的高尔夫社区，价值远超七位数。
Sometimes the house is a waterfront mansion in a gated golf community worth well over seven figures.
这房子里堆满了价值连城的家具和艺术品。
The house is crammed with priceless furniture and works of art.
又有时那里的房子是价值七位数以上的带游泳池和高尔夫球场的豪宅。
And sometimes the house is a waterfront mansion in a gated golf community worth well over seven figures.
让我们从简单的开始，先来看看本系列有关房子价值的第一篇文章中的那些数据。
Let's start easy though, let's start with the data from the first article in the series about house values.
穆尔的房子已失去了许多价值，但在他打算留在里面之前，“直至他们把我埋在六英尺之下”，他并没有受到过度的困扰。
Mr Moore's home has lost much of its value, but since he plans to stay in it "till they put me six feet under", he is not unduly bothered.
反过来也如此，如果一个房子失去了原来的价值，它将阻碍人们接受异地工作。
But the reverse is also true; a house that's lost value can prevent someone from taking a job that requires a move.
当房地产市场崩盘，在高峰期价值22万亿的房子可能变得只值四或五万亿，啊，多少人倾家荡产。
And when that tumbled and houses which might've been worth 22 trillion at the peak are worth maybe four or five trillion less, a, it's a huge amount out of people's net worth.
1949年以前的房子：有60- 70年以上房龄，除个别有历史文物价值的，其它基本没有保留价值。
Houses built before 1949, which are 60-70 years old, are not worth preserving, except some of historical and cultural value.
我有一套自己的计划，能够通过抵押贷款再融资计划稳定房屋价值并再次实现增值，这样你们的邻居就不必违约，也不会拖累你们自己的房子贬值。
I have a plan to protect the value of homes and get them rising again by refinancing mortgages so your neighbor won't default and further drag down the value of your house.
它被高达18英尺的高墙环绕，虽然房子很大，且价值不菲，里面并没有安装电话或互联网，只有极少几扇向外的窗户。
It was surrounded by walls up to 18 feet high.Though large and expensive, it had no phone or Internet connection, and few outward-facing Windows.
通过两年多的反反复复，本星期双方达成协议。这对夫妇除得到房产外，还有比原来旧房子价值更多的人民币。
After more than two years of wrangling, an agreement was reached this week, giving the couple property and cash worth more in total than their old house.
他们住在我的小房子里，而他们的房子价值百万美金，我暗自发笑，但他们因为能够接近住在曼哈顿的女人而感动高兴，也就没有说些什么了。
They got this little, small apartment, and I got this million-dollar home. I laughed at the trade, but they were happy to be near their daughter in Manhattan, so it worked out fine.
摆在我们面前的问题让我们左右为难：再过几年，人们就会问图书馆到底有什么价值；如果图书在任何地方都可以浏览到，为什么还要为了维护这个“装书的房子”而付钱呢？
The dilemma that confronts us is that for the next several years, people will be questioning the value of libraries; if books are available everywhere, why pay the upkeep on a building?
对于同一片土地与同一所房子的销售和二次销售本来就没有产出物，也意味着银行可以经常从房产抵押的价值中回收贷款。
The sale and resale of the same land and the same home is inherently unproductive, and means the bank can usually recover the value of the mortgage.
当急需用钱时，房主最快的方式就是把房子以低于实际价值的售价卖出。
A homeowner who needs money fast is much more likely to sell her property for less than its real value.
他们有一幢价值$250,000的房子，在这房子上有$100,000的抵押贷款。
They own a house worth $250, 000 and have a mortgage on it for about $100, 000.
他们有一幢价值$250,000的房子，在这房子上有$100,000的抵押贷款。
They own a house worth $250, 000 and have a mortgage on it for about $100, 000.
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