Negative equity occurs when the value of an asset used to secure a loan is less than the outstanding balance on the loan. In the United States, assets with negative equity are often referred to as being "underwater", and loans and borrowers with negative equity are said to be "upside down".
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- Negative equity occurs when the value of an asset used to secure a loan is less than the outstanding balance on the loan. In the United States, assets with negative equity are often referred to as being "underwater", and loans and borrowers with negative equity are said to be "upside down".
- 負資產一詞指當一項被用在抵押保證而取得貸款、但市值比尚未清還的本金現值還低的資產。這些資產，大多數都是物業或土地，但亦可能是汽車、又或是大型電腦等物品。 在物業市場內，這種由於物業的市價低於原先用來購買物業的借款(樓宇按揭的現象，通常在物業價格普遍下跌後發生。這也表示，如果借款人無法還清購買物業所用的款項，貸款人即使把物業沒收或者是轉賣，都不能夠填補差價。借款人最終失去物業的同時，依然負債。 英國從1991年到1996年和香港從1998年到2003年經濟衰退期間都出現負資產的情況。期間失業率上升，樓價下跌，導致銀行或房屋協會在物業價值低於欠款下，紛紛沒收這些物業。 根據香港金融管理局的資料顯示，香港負資產問題最嚴重的時期為2003年6月，當時共有約105,697宗負資產按揭，佔所有按揭的22%，涉及金額1,650億港元，按揭金額與抵押的比例為128%，估計這些貸款的無抵押部分約值360億港元，意味著香港銀行單在按揭市場便需承擔360億港元的壞帳風險。
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- Negative equity occurs when the value of an asset used to secure a loan is less than the outstanding balance on the loan. In the United States, assets with negative equity are often referred to as being "underwater", and loans and borrowers with negative equity are said to be "upside down".
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