negative equity

There is no doubt that the subject of negative equity is a highly emotional one .

He was no longer in negative equity with this flat that he had bought a few years ago.

It's not shocking that countries like Germany, Italy, and Spain had a few twenty year periods of negative equity returns.

And a spectacular collapse in the local housing market has left seven out of 10 homeowners nursing negative equity.

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

It is to be hoped that stabilisation in property prices will help to contain and gradually reduce negative equity.

The housing slump and its associated plague of negative equity aggravate this by making it harder for the unemployed to move to find work.

"Negative equity will trigger new foreclosures, and that will add to inventory and depress prices, " Humphries said.

The main drivers of strategic default are the scale of negative equity, and moral and social considerations.

Quite apart from its effects on individuals and families, negative equity has broader economic implications.

This overhang holds down prices, meaning that the road out of negative equity is a long one.

If negative equity is the real problem, principal will have to be reduced to stem the foreclosures.

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

Even if you're not in negative equity, your options will be limited if you can't get a good return on selling your home.

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

The extra disclosure revealed that about 10 per cent of it is secured against homes suffering the burden of negative equity.

But they say that the problems of unemployment and negative equity on homes are not easily solved.

But the risks of a major new round of foreclosures is hanging over the market because of negative equity on a large block of mortgages.

To break the cycle, policymakers need to address the problem of negative equity, not just unaffordable interest payments.

For half of that negative equity group, the debt exceeds the house value by more than 20 per cent.

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

House prices have plummeted, leaving many householders in negative equity. Around 40% of the new banks' assets are non-performing.

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

For homeowners, negative equity makes houses more like a trap than a piggy bank.

The latest figures show that more than 28% of homes with a mortgage are in negative equity.

"Negative equity" can lock in homeowners, making it hard to move to a new job.

Among recent homebuyers, the share is even higher: 18% of all people who took mortgages out in 2006 now have negative equity.

The number of mortgages in negative equity is declining as property prices rebound.

The fact that so many homeowners are sunk in negative equity will also constrain mobility.

America has never experienced negative equity on this scale before.

Almost one in four Americans with mortgages have "negative equity" , owing more than their house is worth.

But, of course, not all mortgages in negative equity are so risky as to justify the charging of significantly higher interest rates.

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

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

So some homeowners may be tempted to default and escape the burden of negative equity.

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

Higher payments and negative equity are a toxic combination.

House prices have plummeted, leaving many householders in negative equity.

The GSEs also hamper help for the 23% of homeowners in negative equity, with loans worth more than their homes.

Millions of people with negative equity in their homes, for instance, cannot move to get a new job.

With house prices still falling, many borrowers would soon have negative equity again.

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

Half the country's businesses are technically insolvent; some 15% of Icelanders are in negative equity.

A recent study suggests that homeowners with negative equity are 50% less mobile than others.

The number of residential mortgages in negative equity increased seven per cent to more than 83, 000.

This is bad enough, but when coupled with falling house prices, it means that many face a particularly savage variety of negative equity.

Around 9m homeowners have "negative equity" , mortgage debts greater than the market value of their homes.

The real estate bubble left deep scars: debt, negative equity, high unemployment.

The US is drowning in negative equity and foreclosed homes.

According to Foresight Analytics, a research firm, at current values half of the debt coming due this year in America is in negative equity.

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

Deutsche Bank's securitisation team expects negative equity to peak at 48% of total homes by 2011.

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

Many borrowers are too deep in negative equity and the redefault rate is too high.

It is illiquid, which can strand people in their homes even if they are not in negative equity.

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

The house-price collapse has saddled millions with houses they cannot sell because of negative equity.

because of negative equity on a large block of mortgages.

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

personal bankruptcies and credit card write - off ratios are down , and negative equity mortgages are much less of a concern now

Press Release: Results of an updated survey on residential mortgage loans in negative equity

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

Press Release: Refinancing of residential mortgage loans in negative equity

Supplementary paper on Residential Mortgage Loans in Negative Equity

Information Note: Residential Mortgage Loan in Negative Equity

Key Results of the Survey of Residential Mortgage Loans in Negative Equity

The loan quality of the negative equity RMLs improved further, with the three-month delinquency ratio

High mortgage interests burden on negative-equity property owners

survey on residential mortgage loans in negative equity

Improvements in the Negative Equity Problem

Mortgage loans in negative equity