負資產如何產生?

1. The asset value is less than the liability
2. If the cost of the property was $100 and you got a mortgage loan from bank say, $70. Now, the property price fell by 20% coming to a market price of $80. If the mortgage loan policy of the bank remained unchanged say, 70% of the value of the property. The amount of the mortgage loan which the bank could grant you now under this current market value is 70% x $80 = $56. So, you see, there is a diffenece of $70-$56 = $14, which the bank could ask you to foot-up before they could provide you with this mortgage loan continousely. If you could not pay up the difference, the bank could foreclose your property, sell it to the market and give you any residue of the proceeds, if any.
3. This is a fact and not exaggerating.

1.何為負資產?

資不抵債，因樓價下滑




2.買樓時一般買家要付30%首期..而樓價由最高至今季只下降20%.為何有負資產?

a)有D人90%或95%按揭
b)因為冇錢供，变了銀主盤，較市價低而賣出，所以不止蝕20%

c)經济轉壞会在稍後日子出現，現在仍未浮現！

d)因為D公司会繼續裁員倒閉，D人会陸續冇錢供！


3.現時的報紙是否都是嘩眾取竉?


少少啦！都唔係好算！