因此，如果房价降至抵押物价值以下，房主可以安全脱离债务，许多人这么做：被没收财产的降价销售严重依赖于市场价格水平。
So if house prices fall below the value of the mortgage, a householder can walk away from his debt. Many have done so: fire sales of seized homes have weighed heavily on prices.
你若拖欠贷款不还，你抵押的财产就会被没收。
If you fall into arrears with the loan, your pledged property will be expropriated.
这意味着，抵押贷款已提交法庭的文件，将没收的财产价值在短短几个月内。
This means that the mortgage lender has filed court papers and will be foreclosing on the property within a few months.
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