战略性取消抵押品赎回权与标准取消抵押品赎回权略有不同，在标准取消抵押品赎回权中，一个人由于无力支付抵押贷款而失去了他或她的房屋。 在这种类型中，业主故意离开房屋，停止支付抵押贷款，尽管他或她在经济上有能力支付。 这通常是由于房屋失去价值或无法出售房屋。 虽然战略性取消抵押品赎回权往往是基于这样的前提，即从长远来看，这是一个经济上合理的选择，这个决定可能对一个人的财务未来产生灾难性影响。

当房主决定停止支付抵押贷款以故意失去房屋时，这被称为战略性止赎。 根据抵押贷款类型和当地法律，一个人在进入止赎前可能可以跳过三到六个月的抵押贷款支付。 从这一点来看，他或她可能在进入止赎后的几个月到一年内，在贷款人收回房屋前可以留在家中。

人们决定进行战略性取消抵押品赎回权的原因有几个。 最常见的原因是当房屋失去了很大一部分价值。 通常情况下，当一个人的房屋估价低于剩余的抵押贷款时，每月支付抵押贷款似乎是徒劳的。 当一个人不打算在房子里呆上一段时间来偿还抵押贷款时，这种情况尤其常见，而且当房子后来被出售时，他仍然欠贷款人的钱。 离开房子，并可能被注销债务，是人们进行战略性取消抵押品赎回权的一个常见原因。

偶尔，如果一个人不再住在房子里，但在出售房子时遇到问题，他或她可能会进入战略止赎。 与其每月支付他或她能负担得起的抵押贷款，他或她可能决定干脆放弃债务，把抵押贷款的款项用于生活开支或储蓄。 这通常发生在业主不能或不想出租他们不再居住的房子。

The vast majority of people who purposefully lose their home do so because they believe it will make more financial sense in the long run. Depending on the laws in the jurisdiction in which a person lives, a foreclosure may be forgiven, although it will likely remain on his or her credit report for a certain amount of time. If this is the law in a person’s area, the only real argument against strategic foreclosures is a moral one — a person must decide if failing to live up to a legal agreement is worth the financial benefit in the future. Despite this, in most jurisdictions, it is possible for a lender to require that a person who walked away from his or her home still pay back part or all of the remaining mortgage. This, added to the severe detrimental effects that strategic foreclosures can have on people’s credit, and, therefore, the ability to make large purchases or lend money in the future, can easily make this type of foreclosure less than strategic.