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只要不断供，银行不会来要求你增加抵押金或强迫你卖掉房子的。。。而且澳洲不是美国，即使你觉得房子已经低于你贷的款了，也必须继供贷款下去，因为1.被银行强迫卖的房子在低迷房市期间会卖的更低。2.如果卖掉房子所得款不能完全抵消你的贷款，那差额你还是继续背着，这和美国不同。
WHAT SHOULD YOU DO?
If a borrower goes into negative equity, the best thing to do is stay put and try to keep paying off their loan.
“People have gotten used to rising prices, but when we look historically the people that do well are those that hold through down and up cycles,” Ms Conisbee said.
“If we look at the worst price crash we’ve seen in the ‘80s, it took about four years for prices to recover. You need to be mindful property is a long-term game, it pays to hold, it doesn’t pay to panic sell.”
If you do have an investment property and it’s gone underwater but you have a stable tenant and can afford to pay off the loan, “try and get through this cycle”.
“The biggest problem when prices fall is that we start to see distressed sales when people can’t service the loan,” she said.
“We’re not yet at that situation. That typically happens is when we start to see rising unemployment. But it is possible we may start to see some panic selling if they think the value of their home or investment starts to drop rapidly.”
Mr Cooke said people with negative equity had very few options “except trying to pay it off and wait for the market to rise”.
Mr North agreed, saying the main thing is “don’t panic”. “If you are not forced to sell and can continue to make your payments, it’s a paper problem and most people will be in that situation,” he said.
If you are forced to sell, due to a change of circumstances such as the loss of a job, then you are in trouble. Australia has what’s known as “full recourse”, meaning your debt stays with you regardless of your financial situation.
“Unlike in the US where you can just hand the keys back and walk away, the banks have you by the short and curlies,” Mr North said.
https://www.news.com.au/finance/ ... e0629ac52ab390b5816
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发表于 2019-1-31 14:11
