原来只要房价在涨，次贷产生的问题就不大，因为还款有困难的房贷户还可以卖掉房子获取利润，然后偿还贷款。但是，一旦房价下跌，有经济困难的房主被套牢，次级贷款市场上，丧失抵押品赎回权的数量骤增。

As long as home prices were rising, this caused few problems because borrowers who had difficulty repaying their loans could sell their houses at a profit and pay off the loan.

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