负资产

若按预期账面价值来计，承销商们为这家近在2007年还深陷负资产的银行赢得了相对于中国银行（bankofchina）的小幅溢价。

Underwriters had won a small premium to Bank of China , on a forward book value basis , on behalf of a bank that was deep in negative equity as recently as 2007 .

但正如摩根士丹利（morganstanley）指出的那样，如果考虑到退休、医疗和教育等账外债务，中国普通消费者实际上是负资产。

But as Morgan Stanley points out , given off-book liabilities such as retirement , healthcare and education , the average consumer is practically in negative equity .

根据数据提供商CoreLogic的信息，四月底负资产总额达到了7070亿美元。

According to CoreLogic , a data provider , negative equity totalled $ 707 billion at the end of April .

美国以前从未经历过规模如此之大的负资产状况。

America has never experienced negative equity on this scale before .

陷入负资产陷阱的贷款对银行的危害尤其重大。

Loans caught in this trap are particularly toxic for the banks .

负资产宗数去年六月曾创纪录，达105697宗。

The number reached a record of105 , 697 in June last year .

随之而来的经济萎缩，使大量房地产都变成了负资产。

The resulting economic shrinkage is leaving large swathes of property in negative equity .

是次撇帐令电盈处于负资产状态，负资产总值十八亿美元。

The write-off put CyberWorks in a position of negative shareholder equity totalling US $ 1.8 billion .

如果房价进一步下跌15%，负资产抵押贷款数将升至2000万。

If house prices fall another 15 per cent , negative equity mortgages will rise to 20m .

由于房价下跌，拥有房产的荷兰人中有四分之一已处于负资产状态。

One in four Dutch homebuyers is in negative equity as a result of falling property values .

这种做法至少会将许多房主从负资产的噩梦中拯救出来。

At the very least , this would rescue many homeowners from the nightmare of negative equity .

楼价连跌五年，不少业主身陷负资产困局。

House prices have fallen for five years , forcing many home owners into the negative equity pit .

一旦房屋成为负资产，借贷者继续偿付贷款的动力将有所下降。

Once a home tips into negative equity , borrowers have less incentive to keep up on repayments .

负资产束缚了房屋拥有者，妨碍了在美国前几次复苏中促进了就业增长的人口流动性。

Negative equity ties homeowners down , impeding the mobility that boosted jobs growth in previous US recoveries .

涉及负资产的未偿还贷款金额亦下跌，由1550亿元下跌至1070亿元。

The amount of mortgage loans to negative equity cases is also down-from $ 155 billion to $ 107 billion .

整体而言，这些预测意味着，美国约有2500万个家庭将以负资产收场。

Taken as a whole , these projections imply that about 25m households in America end up in negative equity .

亚洲金融危机期间，香港物业价格大幅下跌，导致大量的负资产按揭贷款。

During Asia financial crisis , prices of real property greatly declined , bringing to lots of negative asset mortgage loans .

因此，内华达、亚利桑那及弗罗里达州在负资产及抵押拖欠方面排全美点列；

It 's no accident that Florida , Nevada and Arizona lead the nation in both negative equity and mortgage delinquencies ;

此外，房地产价格的回稳亦大大纾缓了负资产的问题。

Furthermore , the stabilisation of property prices has relieved , to a large extent , the problem of negative equity .

随经济渐有起色，有些负资产按揭供款人可能需要一些喘息空间。

With the economy poised for recovery , some homeowners in negative equity may need to be allowed some breathing space .

这意味着目前政府负债的绝对值，即负资产，大约为120兆美元。

This means that the net present value of the government 's liabilities , minus assets , is approximately $ 120 trillion .

住房研究者认为负资产是违约的最好预测指标，这就是为什么他们总是很严肃地对待贷款额/房价比的原因。

Housing boffins regard negative equity as the best predictor of default , which is why they take loan-to-value ratios very seriously .

自从2006年以来，美国住房价格下跌幅度已经达到了16%，另外还有1500万美国人的住房可能很快变成负资产。

Home prices have fallen by 16 per cent since 2006 and 15m Americans could soon have negative equity in their homes .

通胀上升还意味着，实际房价下跌所产生的负资产有所减少，住宅市场可因之解冻。

A rise in inflation also means that declines in real house prices translate into less negative equity , freeing up the housing market .

比如，美国有1100万购房者陷入负资产，还有数以百万计的其他购房者无法再融资，应当做些什么来帮助这些人？

What should be done , for example , to help the 11m US homeowners in negative equity and millions more who cannot refinance ?

这反过来会导致更多产业主陷入负资产抵押，背负大大超过其房屋价值的按揭贷款。

That , in turn , leaves more homeowners deeper in negative equity , saddled with mortgages that vastly exceed the value of their homes .

这种现象背后，是陷入严重“负资产”的家庭数量越来越多，也就是所欠贷款超过了房产的当前价值。

Driving this phenomenon is the rising number of households that are deeply'under water , 'owing much more than the current value of their homes .

由于可以保护自己的自有资本只占一小部分，因此当房地产价格下跌时，许多业主被迅速推入负资产的境地。

With only a small sliver of their own capital to protect them , many owners were quickly pushed into negative equity when property prices fell .

与夹屋大联盟的代表会面，讨论有关负资产问题和二按息率及罚款的问题。

Met representatives of the coalition of sandwich class housing to discuss the problem of negative equity , interest rate for second mortgage loans and penalties .

次贷的低首付甚至零首付很容易使借款者陷入家庭负资产状态。

The low or even zero down payment of the subprime mortgage could easily make the borrowers ' families fall into a state of negative equity .