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本文先介绍处置按揭法拍屋和强化未见起色房市努力这两大问题。对金融市场,虽已采取了许多有效地稳定措施,但房市的问题,基于本文详列的各种理由仍很难解决。再详述联储理事会设计的消费者保护改革以处理当前按揭承作过程的滥用。在考虑按揭问题时,须谨记这绝非一场次贷危机;因所有遭遇法拍屋的案例中,有51%是优质贷款而非次级贷款。~([1])迄今全美房市价格仍未止跌。2011年第1季度标普/Case-Shiller全美房价指数下跌4.2%,在2010年第4季度跌去3.6%之后。全国层面,房价是2002年中期的水平。~([2])
This article first describes the disposal of mortgage housing and strengthen the housing market did not see the improvement of these two major problems. For the financial markets, although many effective stabilization measures have been taken, the housing market’s problems, based on a variety of reasons detailed in this article, remain elusive. More details on the consumer protection reforms designed by the Federal Reserve Board to address the abuse of the current mortgage commitment process. In considering the mortgage issue, it should be borne in mind that this is by no means a subprime mortgage crisis, as 51% of all cases of illegal housing are high-quality loans rather than sub-prime loans. ~ ([1]) so far the US housing market prices have not stopped falling. Q1 2011 S & P / Case-Shiller The U.S. price index fell 4.2% after falling 3.6% in the fourth quarter of 2010. Nationally, housing prices are at the mid-2002 level. ~ ([2])