In the hkma briefing to the legislative council financial affairs panel on 6 may i spent some time explaining our policy in respect of mortgages in negative equity - where the outstanding borrowing is greater than the value of the property 日金管局向立法会财经事务委员会简报其工作概况时,我解释了金管局对负资产按揭贷款即未偿还贷款额超过物业当前市值的政策。