(경제) 급진적 새로운 주택 정책
(경제) 급진적 새로운 주택 정책
On our broadcast tonight, help for homeowners. Something happened today that may let a lot of people hold on to their homes, but it’s already making other people angry. Good evening. In this era of government money propping up지탱하다 banks and car companies and in the wake of new healthcare reforms, tonight there’s a new approach coming to help struggling home owners
who are at risk of losing their homes.
The government’s been trying to do this since the Bush administration without success. But for the first time, the government will help shrink the actual mortgage. The problem is it’s angering some of the homeowners who’ve lived by the rules and paid their mortgages despite hard times.
Now as you might imagine, they are wondering why their tax dollars should be used to rescue their neighbors who are overextended지나치게 지출한 and in trouble. We begin tonight with Diana Olick at the White House. Diana, good evening.
Good evening, Brian. Since the start of the housing crash, Americans have collectively전체적으로 lost more than $5 trillion in home equity주택자금. Now under pressure from borrowers and using the big banks as a model, the government announced the plan to get some of it back. It’s an acknowledgement that the $75 billion mortgage bailout has fallen short, helping fewer than 200,000 homeowners lower their payments permanently.
Today a new approach. Expanding the program to target unemployed and underwater손실상태에 있는 borrowers, those who owe more than their homes are worth. The headline? The government will pay lenders to refinance and lower the principal원금 for borrowers who pay on time, but are deeply underwater. In exchange, the federal housing administration will guarantee losses.
“The White House is expected to unveil a new plan today.” Barely minutes after the news leaked out today, a wave of outrage hit the bloggers. Writes one. “I am so disgusted with this never ending bailout of people who acted irresponsibly at the expense of those of us who didn’t.” Says another. “Those who did the right thing are now watching those that gambled without a concern now gaming the system and winning the lottery.” Now as for unemployed borrowers, the administration also announced a program to give them a three month reprieve연기 while they look for a new job. That is lower monthly payments based on their unemployment benefits. When they get a job, they have to pay it back.