辽宁省辽中县傅先生来信询问,常在电视、报纸上看到“负资产”一词,不解其意,敬请解答为盼。“负资产”一词形容房地产市场内,房产的市价低于原先用来购买房子的借款(楼宇按揭)。这种现象通常在房产价格普遍下跌后发生。这也表示,如果借款人无法还清购买房产所用的款项,贷款人即使把物业没收或者是转卖,都不能够填补差价。借款人最终失去房产的同时,依然负债。 Liaofu County, Liaoning Province, Mr. Fu wrote a letter asking, often in the television, newspapers saw “negative equity ”, puzzled, please answer for hope. The term “negative equity” describes the real estate market as having a lower market price than the one originally used to buy a home (mortgage). This usually happens when property prices generally fall. This also means that if the borrower can not pay off the money used to buy the property, the lender will not be able to cover the difference even if the property is forfeited or resold. Borrowers eventually lose their real estate while still in debt.