这 15 个房地产市场的借款人数量最多
了解 2025 年哪 15 个美国房地产市场的抵押贷款水下金额最多，以及负资产上升对房地产企业主意味着什么。
Mewayz Team
Editorial Team
水下抵押贷款正在上升——这对房地产企业主意味着什么
近十年来，美国水下抵押贷款的比例首次以需要引起关注的速度攀升。最近的数据显示，美国所有未偿房主抵押贷款中有 2.1% 处于水下状态，这意味着借款人所欠的债务超过了房产目前的价值，而一年前这一比例仅为 1.3%。虽然这个数字单独来看可能很小，但它代表了数十万房主，而且这一趋势在至少 15 个特定都市区正在加速。对于从事房地产、物业管理、贷款或任何相关行业的企业主来说，这种转变带来了实际的运营后果，需要更清晰的财务跟踪、更好的客户管理和更主动的决策。
“水下”的实际含义是什么——以及为什么它现在很重要
当未偿还贷款余额超过房产的当前市场价值时，抵押贷款被视为水下。这种情况通常发生在购买后房价下跌、买家以非常小的首付融资或折旧速度超过借款人建立资产的速度时。 2008 年金融危机期间，美国大约 26% 的抵押贷款处于水下状态——这个数字令人震惊，花了近十年的时间才完全解决。
今天 2.1% 的数字远未达到灾难性的水平，但趋势的方向比绝对数字更重要。水下抵押贷款比例同比增长 62%，表明某些市场正在经历有意义的价格调整。对于房地产专业人士、贷方和物业经理来说，这是一个预警信号——这种信号将快速适应的企业与措手不及的企业区分开来。
受影响最严重的 15 个都市区往往具有共同特征：2020 年至 2022 年期间房价快速上涨，超过了当地收入增长速度，新建建筑高度集中，增加了供应，以及随着远程工作迁移模式逆转而发生人口变化。德克萨斯州、佛罗里达州、路易斯安那州的部分地区以及部分中西部大都市的市场出现频率最高。
负资产集中的15个市场
虽然全国平均水平讲述了一个故事，但实际情况因地点而异。水下借款人比率最高的都市区并不是随机的——它们遵循一种可识别的过度建设、投机性购买和快速价格通胀的模式，而这些模式现已开始缓解。巴吞鲁日、新奥尔良和德克萨斯州几个中型大都市等城市的水下事故率已攀升至全国平均水平的三到四倍。
过度建设的阳光地带市场，在大流行热潮期间，新住房供应激增，造成供过于求，目前导致价格下跌
投资者活动活跃的市场，峰值价格下的投机性购买现在低于其原始估值
工资增长停滞的地区，收入永远无法支撑疯狂期间达到的价格水平，因此调整不可避免
依赖能源或旅游业等单一产业的地区，经济疲软导致住房需求减少
保险和税收负担较高的市场，持有成本上升抑制了买家的热情并抑制了转售价值
对于接触这些市场的企业主来说——无论是通过租赁投资组合、客户群还是服务领域——了解当地的负资产率不再是可选的。它是一个核心风险指标，应该为从定价策略到客户入职决策的一切提供信息。
负资产上升如何影响中小型企业
水下抵押贷款的连锁反应远远超出了个人房主的范围。当当地房地产市场的很大一部分处于负资产时，就会产生一系列的商业后果。物业经理看到增长
Frequently Asked Questions
What does it mean for a mortgage to be "underwater"?
An underwater mortgage, also known as negative equity, occurs when a homeowner owes more on their mortgage loan than their property is currently worth on the market. This situation typically arises when local housing prices decline after the home purchase. It can make it difficult to sell the property or refinance the loan without bringing additional cash to the closing table.
Why should real estate business owners be concerned about rising underwater mortgages?
For real estate professionals, a rise in underwater mortgages can signal market volatility. It may lead to fewer listings, as homeowners are unable to sell without taking a loss, and an increase in potential short sales or foreclosures. Staying ahead of these trends is crucial. Platforms like Mewayz, with its 207 modules covering market analysis, can help agents and brokers adapt their business strategies.
What are the main risks for a homeowner with an underwater mortgage?
The primary risk is financial inflexibility. Homeowners cannot easily sell their property without covering the difference between the sale price and their mortgage balance out-of-pocket. They are also unable to access equity through refinancing. If forced to relocate due to job loss or other circumstances, this can lead to significant financial hardship or even foreclosure.
How can real estate professionals use this data to better serve clients?
Agents can use this information to provide more strategic advice. For buyers, it might highlight potential negotiation opportunities in affected markets. For sellers in these areas, agents can craft realistic pricing strategies. Leveraging comprehensive data tools, such as the market insights available through a Mewayz subscription ($19/mo), is key to navigating these complex conditions effectively.
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