Glossary entry (derived from question below)
English term or phrase:
underwater
Romanian translation:
(cu) amortizare negativa
English term
underwater
Housing prices have plummeted and some homeowners are severely underwater - meaning they owe more than their homes are worth. (CNNMoney.com)
One in five U.S. mortgage borrowers are underwater (Reuters)
Obama’s plan permits refinancing only for homeowners underwater by a maximum 5 percent. Rosen recommends raising that limit to 25 percent. (Bloomberg)
| 5 +3 | (cu) amortizare negativa |
Radu DANAILA
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Apr 17, 2009 16:55: changed "Kudoz queue" from "In queue" to "Public"
Apr 17, 2009 17:54: changed "Stage" from "Preparation" to "Submission"
Apr 20, 2009 17:54: changed "Stage" from "Submission" to "Completion"
Apr 21, 2009 06:24: Radu DANAILA changed "Edited KOG entry" from "<a href="/profile/0">'s</a> old entry - "underwater"" to ""(cu) amortizare negativa""
Apr 21, 2009 06:24: Radu DANAILA changed "Edited KOG entry" from "<a href="/profile/806327">Radu DANAILA's</a> old entry - "underwater"" to ""(cu) amortizare negativa""
Proposed translations
Romania
Not just words!
Native in: Romanian (Variant: Romania) 
Works in: French to Romanian, English to Romanian, French to English, and 3 more.
(cu) amortizare negativa
http://en.wikipedia.org/wiki/Negative_equity
Negative equity is a term used to refer to when the value of an asset used to secure a loan is less than the outstanding balance on the loan[1]. In the Unites States, assets (particularly real estate) with negative equity are often referred to as being "underwater", and loans and borrowers with negative equity are said to be "upside down".
CE E BINE DE ŞTIUT DESPRE IPOTECĂ ? Ratele dobânzii: · MTA ARM: Rată fixă a dobânzii pentru o lună, după care rata se poate schimba lunar. Acest tip de ipotecă poate şi cel mai probabil va avea o amortizare negativă! (Florida Investment Mkt. Inc. - website)
Astfel, daca un client nu platea nimic intr-o luna, dobanda si comisioanele se adaugau la sold, majorand datoria fata de banca. In termeni bancari, acest proces este denumit `amortizare negativa a imprumutului`. (Bursa Asigurarilor - website)
Cand banca imprumuta bani unui asa numit NINJA (no income, no jobs and assets - fara venit, fara serviciu sau proprietati), cu o amortizare negativa si o rata initiala promotionala, juca, la randul sau o schema Ponzi, explica analistul Nouriel Roubini, profesor la Stern Business School si Universitatea din New York. (Articol Bloombiz)
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