Borrowers in this situation have an incentive to "walk away" from their mortgages and abandon their homes, even though doing so will damage their credit rating for a number of years.
借款人在這種情況下，有著自他們的抵押貸款「脫離」並放棄住房的誘因，即使這樣做會在接下來的若干年損害其信用評級。