Many homeowners are still underwater, and at any time in the coming years, these folks may face a situation, such as a jobtransfer or divorce, requiring them to sell at a loss.
In October Al Fahim sold his majority shareholding in the club to Saudi tycoon Ali Al Faraj, but any hopes Hart may have had of this making his job easier were hit when the Premier League imposed a transfer embargo on the club over debts owed to other clubs.