2008年，他和贷方达成协议降低月还贷额，然后就在下个月，他说可能将第一次无法按时还贷。
In 2008, he worked out an agreement to lowerhis monthly loan payments, and next month, for the first time, he says he willprobably miss a payment.
最近发生的房屋没收拍卖事件已经不再是贷款人无力支付房贷或是由于重置而引起还贷额造成的，而是负资产和攀升的失业率的恶果。
The latest foreclosures are no longer the result of loans that were unaffordable from the outset or payments rising from resets. Rather, they are a product of negative equity and rising unemployment.
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