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.
汽油，电力，客运车辆保险金额的价格都上升了，还有消费者对房屋的重置成本也提高了。
Prices for gasoline, electricity, and passenger vehicle insurance premiums went up, and consumers also paid more for homeowner's replacemennt costs.
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