One school thinks that, even in cases of negative equity, most homeowners will not default if they can afford the payments.
一学派认为，即使在负权益的情况下，如果可以负担还款，大部分房主将不会违约。
Instead, the problem is negative equity.
而问题在于负资产。
Many people also have negative equity in their homes.
而且许多人拥有的房产价值都为负。
Negative equity may be deterring some people from moving.
负资产净值也许正在阻止一些人群流动。
Around a quarter of borrowers are now in negative equity.
大约四分之一的借款人目前属于资不抵债的状态。
House prices have plummeted, leaving many householders in negative equity.
房价的不断跌落让众多户主获得负收益。
For homeowners, negative equity makes houses more like a trap than a piggy bank.
对处于“负资产”状态的房主来说，住房相较储钱罐更似罗网。
Many borrowers are too deep in negative equity and the redefault rate is too high.
许多借款人身处严重的负权益中，再次破产率过高。
"Negative equity" can lock in homeowners, making it hard to move to a new job.
屋主受困于“负资产”，很难四处寻找新工作。
So some homeowners may be tempted to default and escape the burden of negative equity.
这种状况引得一些屋主拒不还款，逃避负房产的负担。
The fact that so many homeowners are sunk in negative equity will also constrain mobility.
太多的屋主陷入了负资产的事实也对流动性进行了限制。
The latest figures show that more than 28% of homes with a mortgage are in negative equity.
最新数据显示，超过28%的有抵押的房子都是负资产抵押。
This overhang holds down prices, meaning that the road out of negative equity is a long one.
过量的供给压低了房价，这意味着解决负资产问题需要一段很长的时间。
If negative equity is the real problem, principal will have to be reduced to stem the foreclosures.
如果权益为负是真正的问题所在，那么本金将不得不减少以阻止贷款断供的出现。
Millions of people with negative equity in their homes, for instance, cannot move to get a new job.
例如，数百万拥有房屋资产负净值的人们不能离开去寻找一份新工作。
Half the country's businesses are technically insolvent; some 15% of Icelanders are in negative equity.
严格来说，半数国家的企业是破产的；约15%的冰岛人是负资产。
Around 9m homeowners have "negative equity", mortgage debts greater than the market value of their homes.
大约900万的房主为负资产，抵押贷款远高于这些房子的市场价。
Almost one in four Americans with mortgages have "negative equity", owing more than their house is worth.
几乎每4个背负抵押贷款的美国人中，便有1人拥有“负资产”，即所欠债务高于房产价值。
The main drivers of strategic default are the scale of negative equity, and moral and social considerations.
策略性违约的主要动因是房屋负资产的规模，以及道德和社会考虑。
Roughly 10m Americans are in negative equity-ie, the cost of their mortgage exceeds the value of their home.
大约有1000万美国人处于“负资产”状态，即其抵押借款成本超过了房屋价值。
Negative equity exacerbates immobility because people are reluctant to move if it means selling at a loss.
“负资产”恶化了这种不动性，因为如果搬家意味着赔本出售的话，人们是不愿意搬的。
The GSEs also hamper help for the 23% of homeowners in negative equity, with loans worth more than their homes.
两房同时妨碍了对23%的负资产购房者实施的援助，这些购房者需要偿还的贷款额超过了所购住宅的价值。
"Negative equity will trigger new foreclosures, and that will add to inventory and depress prices," Humphries said.
“负资产将会引发新的止赎，并且会增加库存和打压价格，”Humphries说。
Even if you're not in negative equity, your options will be limited if you can't get a good return on selling your home.
即使你没有变成负资产，如果你卖掉房子不能取得可观的回报，那你的选择也将是有限的。
Among recent homebuyers, the share is even higher: 18% of all people who took mortgages out in 2006 now have negative equity.
在最近的购房者中，这个比例甚至更高：2006年所有的借款人中，有18%的人已经拥有负资产物业。
That, in turn, leaves more homeowners deeper in negative equity, saddled with mortgages that vastly exceed the value of their homes.
这反过来会导致更多产业主陷入负资产抵押，背负大大超过其房屋价值的按揭贷款。
Whatever the reasons, the number of properties that have gone into negative equity and into foreclosure is much greater than expected.
无论出于什么原因，变成资不抵债甚至被银行没收的房屋数量远远高于预期。
With only a small sliver of their own capital to protect them, many owners were quickly pushed into negative equity when property prices fell.
由于可以保护自己的自有资本只占一小部分，因此当房地产价格下跌时，许多业主被迅速推入负资产的境地。
With only a small sliver of their own capital to protect them, many owners were quickly pushed into negative equity when property prices fell.
由于可以保护自己的自有资本只占一小部分，因此当房地产价格下跌时，许多业主被迅速推入负资产的境地。
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