Obama administration expands foreclosure prevention program--By Les Christie @CNNMoney January 27, 2012

NEW YORK (CNNMoney) -- The Obama administration is taking another swing at improving its main foreclosure prevention program.-----政府當局表示，這是擴大其家庭負擔得起的修改為 HAMP計劃，對借款人的資格與較高的債務負擔和三倍的激勵機制，減少對貸款的本金支付的銀行。 The administration said it was expanding eligibility for its Home Affordable Modification Program, known as HAMP, to borrowers with higher debt loads and tripling the incentives it pays banks that reduce principal on loans.
1101打印 Print 評論 Comment 當局亦表示，將房利美（Fannie Mae和Freddie Mac）提供獎勵，以減少對貸款的本金。 The administration also said it would offer incentives to Fannie Mae and Freddie Mac to reduce principal on loans. 以前，政府只提供私人貸款和銀行的激勵機制。 Previously, the government had only offered incentives to private lenders and banks. 該計劃還擴展到2013年12月。 The program was also extended to December 2013. 它最初是在今年年底到期。 It was initially set to expire at the end of this year. 上週五下午，由住房和城市發展部長肖恩多諾萬，助理財政部長蒂姆Massad，白宮國家經濟委員會主任斯珀林基因舉行的聯合記者招待會宣布的變化。 The changes were announced in a joint press conference held by Housing and Urban Development Secretary Shaun Donovan, Assistant Treasury Secretary Tim Massad, and White House National Economic Council Director Gene Sperling on Friday afternoon. 最初的設計，以幫助約 400萬時，它是在2009年2月，首次推出的按揭借款人，HAMP幫助少於 1萬房主。 Originally designed to help some 4 million mortgage borrowers when it was first introduced in February, 2009, HAMP has helped fewer than 1 million homeowners.-----奧巴馬的住房政策失敗了嗎？ Has Obama's housing policy failed?
隨著這些變化，HAMP是一個轉折點“的上述策略，以幫助負責任的屋主降低成本，留在家裡的所有基因斯珀林說，國家經濟委員會主任，也參加了新聞發布會的一部分。” With these changes, HAMP is turning into an "all of the above strategy to help responsible homeowners lower their costs and stay in their homes," said Gene Sperling, the Director of the National Economic Council, who also took part in the press conference.
-----這裡有一個破舊的新變化： Here's a rundown of the new changes:

•擴張的資格：HAMP的設計帶來的抵押貸款借款人的資產負債率下降到31％的收入。 Expansion of eligibility: HAMP was designed to bring the debt ratio of mortgage borrowers down to 31% of their incomes. 的抵押金已低於這一水平已沒有資格修改。 Those whose mortgage payments were already below that level had been ineligible for a modification. 他們現在可能有資格。 They may qualify now. 新準則將允許更靈活的方式考慮其他債務計算債務對收入比率時。 The new guidelines will allow for a more flexible approach that takes other debt into account when calculating debt-to-income ratios.
•出租物業：老HAMP規則僅適用於自用住宅，但現在那些擁有出租物業的業主資格的擴展，也可以有資格為HAMP修改。 Extension of eligibility to owners of rentals properties: The old HAMP rules applied solely to owner-occupied homes but now those who own rental properties may also qualify for a HAMP modification.
•三重平衡，減少獎勵：新HAMP將支付每美元18美分和63美分之間，貸款人貸款本金，從6美分和21美分之間。 Triple balance-reduction incentives: The new HAMP will pay between 18 cents and 63 cents for every dollar that lenders take off the mortgage principal, up from between 6 cents and 21 cents.
•糧房利美和房地美相同的激勵機制：目前，房利美（Fannie Mae和Freddie Mac）不提供主要的削減計劃作為他們HAMP修改的一部分。 Pay Fannie and Freddie the same incentives: Currently, Fannie Mae and Freddie Mac do not offer principal reduction plans as part of their HAMP modifications. 為了鼓勵這種援助，財政部表示，該公司將支付相同的本金減少激勵房利美或房地美（Freddie Mac），如果他們允許服務商主要在與 HAMP修改一起原諒。 To encourage this assistance, Treasury said it will pay the same principal reduction incentives to Fannie Mae or Freddie Mac if they allow servicers to forgive principal in conjunction with a HAMP modification. 雖然新的變化，可以大大拓展了房主收到HAMP幫助，它可以邀請爭議。 While the new changes could greatly expand the number of homeowners that receive help from HAMP, it could invite controversy. 在租金上漲的時間與納稅人的錢補貼房地產投資者沒有多大意義，喬治梅森大學房地產學教授安東尼桑德斯，例如。 Subsidizing real estate investors with taxpayer money in a time of rising rents doesn't makes much sense to Anthony Sanders, a real estate professor at George Mason University, for example.
0:00 / 3時54分 ，一名男子的打擊止贖 0:00 / 3:54 One man's fight against foreclosures
然而，住房和城市發展部部長肖恩多諾萬說，它不會不管隔壁的房子給你的是由承租人或所有者佔用。 Yet, HUD Secretary Shaun Donovan said that it doesn't matter whether the house next door to you is occupied by a tenant or an owner.

“如果房子出現空置，你的房子的價值下降$ 5,000或$ 10,000那一天，”他說。 "If the house goes vacant, the value of your house goes down $5,000 or $10,000 that day," he said. “這些都是房主的重大問題。” "These are major problems for homeowners."

在新聞發布會上，負責監管房利美和房地美，聯邦住房金融局發表了一份聲明，表示將考慮 HAMP計劃的變化。 Following the press conference, the Federal Housing Finance Agency, which oversees Fannie and Freddie, issued a statement that said it would consider the changes to the HAMP program.

然而，它指出，最近進行的分析發現“，主要寬恕沒有提供的利益，大於主要忍”的信號，房委會可能不支持作為一種方法來幫助業主降低貸款本金。 However, it noted that an analysis it recently conducted found "that principal forgiveness did not provide benefits that were greater than principal forbearance," signaling that the housing authority may not support reducing the principal on loans as a way to help homeowners.

沒有新的資金需要分配HAMP的擴張。 No new funds need be allocated for HAMP's expansion. 由於預留的方案至今已花費 29美元億美元的10億美元不到，蒂莫西Massad表示，在財政部的金融穩定局助理局長。 Since less than $10 billion of the $29 billion set aside for the program has been spent so far, said Timothy Massad, Assistant Secretary for Financial Stability at the Treasury Department. 政府當局不會危害在擴大方案將有助於多少更多的借款人的猜測。 The administration would not hazard a guess at how many more borrowers the expanded program would help.
止贖：美國的重災區街區 Foreclosures: America's hardest hit neighborhoods
HAMP的變化，不考慮至4月底的效果，但財政部發言人說，任何掙扎的房主應達到並立即尋求贖預防輔導。 The changes in HAMP do not take effect until the end of April, but a Treasury spokeswoman said any struggling homeowners should reach out and seek foreclosure prevention counseling immediately. 這樣，他們可以學習他們的選擇，其中可能包括試圖堅持到新HAMP準備。 That way, they can learn their options, which could include trying to hold on until the new HAMP is ready. 

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發布時間：2012年1月27日：下午05:10 ET First Published: January 27, 2012: 5:10 PM ET ---CNN NEWS---.