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住房抵押贷款资产的质量,与房地产市场的整体行情密切相关。一旦房地产市场步入衰退,违约率上升和抵押品价值下降将会导致住房抵押贷款演变为不良贷款,从而危及银行的资产和利润。
The quality of the mortgage loan assets is closely related to the overall market of the real estate market. Once the real estate market is in a recession, rising default rates and falling collateral values will result in the evolving of home-equity loans into bad loans, jeopardizing the banks’ assets and profits.