Strategic default
http://dbpedia.org/resource/Strategic_default an entity of type: SupremeCourtOfTheUnitedStatesCase
A strategic default is the decision by a borrower to stop making payments (i.e., to default) on a debt, despite having the financial ability to make the payments. This is particularly associated with residential and commercial mortgages, in which case it usually occurs after a substantial drop in the house's price such that the debt owed is (considerably) greater than the value of the property — the property has negative equity or is underwater — and is expected to remain so for the foreseeable future, such as following the bursting of a real estate bubble. Such borrowers are called walkaways. The process of strategically defaulting on a home mortgage has been colloquially called "jingle mail" — metaphorically, one mails the keys to the bank.
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叮噹郵件（英文：jingle mail），是一個新式英文詞語。指的是當抵押貸款金額遠大於房屋價值時，房主直接拖欠貸款並將房屋鑰匙交還給放款銀行，銀行家稱之為叮噹郵件。通常這會發生在房地產泡沫使導致房價急遽下降時出現的情況，最著名的例子是2008年美國發生的次贷危机。 在正常情況時，貸款人一旦付不起房貸，銀行（或稱放貸人）會毫無猶豫沒收房地產，並將其拍賣以抵消未還完的貸款。但當房地產泡沫發生時，由於有大量的房地產被沒收，買家跟不上數量。因此在貸款大於房價之時，房地產變成了負資產，因此索性直接放棄房地產，將房子主動寄給放貸人，因此美國貸款也將這一些主動送上鑰匙的郵件稱之為叮噹郵件。
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Strategic default
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叮噹郵件
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23977635
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1050246637
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A strategic default is the decision by a borrower to stop making payments (i.e., to default) on a debt, despite having the financial ability to make the payments. This is particularly associated with residential and commercial mortgages, in which case it usually occurs after a substantial drop in the house's price such that the debt owed is (considerably) greater than the value of the property — the property has negative equity or is underwater — and is expected to remain so for the foreseeable future, such as following the bursting of a real estate bubble. Such borrowers are called walkaways. The process of strategically defaulting on a home mortgage has been colloquially called "jingle mail" — metaphorically, one mails the keys to the bank.
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叮噹郵件（英文：jingle mail），是一個新式英文詞語。指的是當抵押貸款金額遠大於房屋價值時，房主直接拖欠貸款並將房屋鑰匙交還給放款銀行，銀行家稱之為叮噹郵件。通常這會發生在房地產泡沫使導致房價急遽下降時出現的情況，最著名的例子是2008年美國發生的次贷危机。 在正常情況時，貸款人一旦付不起房貸，銀行（或稱放貸人）會毫無猶豫沒收房地產，並將其拍賣以抵消未還完的貸款。但當房地產泡沫發生時，由於有大量的房地產被沒收，買家跟不上數量。因此在貸款大於房價之時，房地產變成了負資產，因此索性直接放棄房地產，將房子主動寄給放貸人，因此美國貸款也將這一些主動送上鑰匙的郵件稱之為叮噹郵件。
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8127