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America approves home mortgage measure
美國(guó)通過(guò)房貸政策
Acting amid more bad news about the pace of home mortgage foreclosures in the United States, the US House of Representatives approved by a vote of 234 to 191 legislation that would allow judges to order changes in mortgage terms to help more Americans facing job losses financial troubles to stay in their homes.
美國(guó)房貸市場(chǎng)傳出更多房屋由于房主無(wú)力償還貸款而被借貸機(jī)構(gòu)沒(méi)收的壞消息。美國(guó)眾議院以234票對(duì)191票表決通過(guò),允許法官下令改變貸款條件以幫助更多面臨失業(yè)與財(cái)務(wù)危機(jī)的美國(guó)人保住他們的住房。
Congressional approval of the legislation, if the Senate also acts on its own version, is a key part of President Barack Obama’s effort to help prevent further economic damage resulting from more families losing their homes in the midst of the recession.
如果參議院也能采取同樣行動(dòng)，眾議院通過(guò)的這項(xiàng)法案對(duì)奧巴馬政府防止更多美國(guó)家庭失去住房而進(jìn)一步?jīng)_擊經(jīng)濟(jì)所作出的努力將是一個(gè)重要的措施。
The measure approved on March 5 by the House would allow bankruptcy judges to alter the terms of mortgages to give homeowners a better chance of avoiding foreclosure.
3月5日眾議院通過(guò)的法案將允許裁決破產(chǎn)的法官更改貸款條件,給住房擁有者更好的機(jī)會(huì)避免其住房被沒(méi)收。
A vote was set for last week, but was delayed as some moderate Democrats, along with the home lending industry, demanded changes to prevent abuse by people who might seek reductions while still being able to make mortgage payments under their existing terms.
這項(xiàng)表決原本安排在上星期,之所以延期是因?yàn)椴糠譁睾团擅裰鼽h議員以及房貸業(yè)者要求修改法案內(nèi)容，以防止一些有能力支付房貸的人濫用這項(xiàng)法律,減少自己的房貸金額。
House Speaker Nancy Pelosi said approval of the measure is but one component of President Obama’s program announced last month to refinance and modify mortgages to help as many as nine million homeowners.
眾議院議長(zhǎng)南希佩洛西說(shuō),這項(xiàng)法案僅是奧巴馬總統(tǒng)上個(gè)月宣布要以重新貸款和修改貸款條件來(lái)幫助九百萬(wàn)美國(guó)房主計(jì)劃的一部分。
“There are several components to the economic turnaround that need to be addressed. Certainly, the housing crisis and facing the mortgage foreclosure crisis, changing that is good for the economy,"she said.
她說(shuō)要扭轉(zhuǎn)經(jīng)濟(jì)頹勢(shì)我們必須關(guān)注幾個(gè)方面。當(dāng)然，其中包括房市危機(jī)以及房貸市場(chǎng)的沒(méi)收房產(chǎn)危機(jī),如果我們能改變現(xiàn)狀,對(duì)美國(guó)經(jīng)濟(jì)是有好處的。”
Under the legislation, judges could reduce the principal owed, interest rates or extend the length of loans on existing mortgages—something Democrats and the president hope could reduce foreclosures by 20 percent.
根據(jù)這項(xiàng)新法案，法官有權(quán)降低房主所欠的貸款額,改變利率和延長(zhǎng)貸款的年限,民主黨議員和奧巴馬總統(tǒng)希望能借此減少20%的房產(chǎn)被沒(méi)收。
Democrats pointed to changes they said substantially improved the bill, including stricter conditions for homeowners who are bankrupt and seeking mortgage modifications, and requiring homeowners to share with a lender profit from any sale of a home whose principal was reduced by a bankruptcy judge.
民主黨人表示,修正案改善了法案的內(nèi)容,其中包括對(duì)要求更改房貸條件的房主采取更嚴(yán)格的規(guī)定,要求那些得到法官幫助減少貸款金額的房主必須將房屋出售所得利潤(rùn)與房貸公司共享。
Democrat Zoe Lofgren called the measure a balanced reform that will bring meaningfixl help to families in genuine need.
民主黨議員若伊洛夫格倫稱這項(xiàng)法案是平衡的改革,將給真正有需要的家庭帶來(lái)實(shí)質(zhì)的幫助。
“By setting up a homeowner-Iender negotiating process that begins well before bankruptcy, it is designed to keep more families out of bankruptcy and out of foreclosure. The number of new Chapter 13 mortgage modifications that may result will be far less than the number of foreclosures that will be prevented,”Lofgran said.
她說(shuō)：“這項(xiàng)法案讓房主與貸款公司在房主宣告破產(chǎn)前就展開協(xié)商,該法案能幫助更多美國(guó)家庭免于破產(chǎn)和被沒(méi)收房產(chǎn)的命運(yùn)。通過(guò)第13章破產(chǎn)法進(jìn)行的修改貸款條件數(shù)目將遠(yuǎn)遠(yuǎn)低于房產(chǎn)沒(méi) 收案的數(shù)目。”
Republican Representative Lamar Smith said that the changes in bankruptcy provisions failed to sufficiently narrow the scope of mortgage situations eligible for modification and will not solve the foreclosure crisis.
共和黨眾議員拉馬爾史密斯認(rèn)為，有關(guān)破產(chǎn)法條款的修訂,并不能縮小符合房貸修改條件的范圍，更不能解決沒(méi)收房產(chǎn)的危機(jī)。
“The manager’s amendment to the bill continues the majority’s policy of punishing the successful, taxing the responsible and holding no one accountable. It is unfair for Congress to bail out mortgage lenders and borrowers on the backs of responsible homeowners who continue to pay their mortgages, even in these troubled times. Clearly, the American people are not willing to pay for their neighbor’s irresponsible actions,” he said.
他說(shuō)：“民主黨的修正案仍然是一個(gè)懲罰成功人士,對(duì)按時(shí)納稅的人來(lái)說(shuō)沒(méi)有人作出解釋的政策。國(guó)會(huì)幫助那些房貸公司以及借貸人脫困,對(duì)那些在財(cái)務(wù)困難時(shí)期還是按時(shí)激交貸款的人并不公平。很明顯,美國(guó)人不愿意為其他人不負(fù)責(zé)任的行為付出代價(jià)。”
Mortgage Banking Association figures show that raore than 11 percent of all mortgages were delinquent or in foreclosure during the last three months of 2008.
美國(guó)抵押貸款銀行家協(xié)會(huì)的數(shù)據(jù)顯示,2008年第四季度,超過(guò)11%的房貸出現(xiàn)違約或者房產(chǎn)被沒(méi)收。
The growing unemployment situation was also identified as an increasingly significant factor in mortgage delinquencies, with worsening problems involving fixed prime and sub-prime rate loans affected the most by job and income loss.
不斷升髙的失業(yè)率也是房貸違約率升高的一個(gè)重要因素,這些工作和收人的流失也使得有關(guān)固定優(yōu)惠貸款利率和次級(jí)抵押貸款的問(wèn)題持續(xù)惡化。
