For the first time, homeowners here are learning what it means to have an upside-down mortgage - when the value of a home falls below the amount of debt on the property.

有史以来第一次，在房子的价值跌破贷款的时候，业主们道了拥有一份乱七八糟的合同意味着什么。

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It's similar to an upside-down mortgage, and it may not make sense to try a trade-in.

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