如果房价下降，最有可能导致负资产。
If housing prices decline, most likely to lead to negative equity.
如果有更多的年轻人想要购买房产，房价和相关的按揭应当下降。
If more young people are to join the ranks of home-owners, house prices and related mortgages need to fall.
如果房价的下降增加了贷款的拖欠率，结果可能使信用危及情况变得更糟，给房价增加更多的压力。
If falling prices raise the rate of default, that could in turn worsen the credit crunch, putting yet more pressure on prices.
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