...还款、甚至违约，尤其以收入不稳定的信用品质较差的 借款人最容易违约，且房价的下跌也使借款人面临「 负权益 ( negative equity ) (注5)的窘境， 因此借款人的违约之机率与总体经济情况息息相关。
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negative equity families 负资产家庭
remains trapped in negative equity 仍受负资产困扰
in negative equity 负资产状态
以上来源于: WordNet
N the state of holding a property the value of which is less than the amount of mortgage still unpaid 负资产抵押
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。
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