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。
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。
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。
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。
If housing prices decline, most likely to lead to negative equity.
如果房价下降，最有可能导致负资产。
Refinancing makes negative equity more bearable but it does not reduce it.
再融资使人们更加可以接受负资产，但是这并不能降低它。
The real estate bubble left deep scars: debt, negative equity, high unemployment.
泡沫破裂留下负债，资产不足，失业等严重问题。
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。
At the very least, this would rescue many homeowners from the nightmare of negative equity.
这种做法至少会将许多房主从负资产的噩梦中拯救出来。
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。
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。
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。
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。
Just under 7% of all American homeowners had this "negative equity" at the end of December 2006 estimates Mr Cagan, using a sample of 32m houses (see chart 1).
Cagan用一个3200万房屋的样本估计：到2006年12月底，不到7%的全美房主拥有这种“负资产物业”(见图一)。
Monetary Authority chief executive Joseph Yam Chi-kwong said that at the end of last year there were 67,600 negative equity cases, a drop of 32,200 from September.
金融管理局总裁任志刚透露，去年年底负资产宗数为67,600宗，较九月减少32,200宗。
Property busts are at their most destructive when borrowers fall quickly into negative equity (one reason to worry less about China is the small amount of debt that homebuyers have).
借贷者迅速沦为负资产时，房产萧条对他们来说是最致命打击。
Is it that homeowners cannot afford to pay; or is it that they are declining to do so, because their homes are now worth less than their mortgages, the phenomenon known as negative equity?
其原因是房产人付不起贷款；还是因为其房屋价值现在低于贷款金额(即我们熟知的负资产现象)，户主拒绝还贷？
Aside from the well-known and related issues of high household debt and negative equity in houses, the latest U.S. employment data have highlighted the still dismal state of the job market.
除了众所周知、牵涉面广泛的家庭高负债和房产负资产的问题，最新的美国就业数据，凸显了美国就业市场的持续低迷状态。
Fears about negative equity returned to haunt British homeowners, with one index reporting that house prices fell by 2.5% in March compared with February, the sharpest such decline for 16 years.
对净资产负值的恐惧在英国业主中死灰复燃，一份数据报告称，3月份住宅价格比2月份下降了2.5%，这是16年来的最大降幅。
Aside from the well-known and related issues of high household debt and negative equity in houses, the latest U. S. employment data have highlighted the still dismal state of the job market.
除了众所周知、牵涉面广泛的家庭高负债和房产负资产的问题，最新的美国就业数据，凸显了美国就业市场的持续低迷状态。
But in doing so they are working against the Treasury's broader goals: reducing the chances of foreclosure, cleansing the financial system of bad debts and negative equity, and rejuvenating lending.
但是他们的做法却与财政部的宏观目标(减少丧失房屋抵押赎回权的概率，清除金融体系中的坏账和负资产，并且恢复借贷的活力)背道而驰。
At the moment, more and more American households are choosing the first as a way of dealing with the problem of negative equity, while more and more companies are being driven towards bankruptcy.
目前，越来越多的美国家庭正在选择第一种方式来处理“负资产”问题，而越来越多的企业被迫申请破产。
Policymakers may worry about the effect of housing problems on unemployment-homeowners in negative equity may not be able to move in search of jobs-but the more important effect runs the other way.
决策者可能担忧房地产问题对失业率的影响——资不抵债的屋主可能无法为工作而搬家——但更要命的影响还在别处。
Policymakers may worry about the effect of housing problems on unemployment-homeowners in negative equity may not be able to move in search of jobs-but the more important effect runs the other way.
决策者可能担忧房地产问题对失业率的影响——资不抵债的屋主可能无法为工作而搬家——但更要命的影响还在别处。
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