The Candidates on the Economy (2/2)

Right now, falling property values are a big worry for millions of families. Some people who borrowed more for houses than they should have, or took out loans with rising payments, may lose their homes. 

This week, researchers from the Pew Charitable Trusts predicted that three percent of all homeowners will be in foreclosure in the next few years. This would be the result of high-cost subprime loans made in two thousand five and two thousand six, and the effects on local property values. Problems can be found nationally, though some areas and neighborhoods are more affected than others. 

Hillary Clinton proposes to stop foreclosures for at least ninety days and freeze interest rates on adjustable-rate mortgages for five years. She also proposes thirty billion dollars in aid to help states prevent foreclosures. Barack Obama's plan calls for ten billion dollars for homeowner aid.

Last month, John McCain said "it is not the duty of government to bail out and reward those who act irresponsibly, whether they are big banks or small borrowers." But he now proposes to let some homeowners replace their subprime mortgages with federally guaranteed loans. His campaign says the plan would help up to four hundred thousand homeowners.

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现在，数百万家庭对下跌的房地产价值忧心忡忡。有些家庭为了房屋超额度借款，或者为了支付增长的还款而贷款，这些都可能导致他们失去自己的家。

这周，皮尤信托慈善基金的研究员预测3%的购房者在未来几年内将丧失抵押品赎回权。造成原因可能是在2005到2006年间的高额次级贷款和当地物业价值的影响。全国都可以看到这样的问题，只是一些地区和人们更容易受影响。

希拉里.克林顿提议至少在90天内避免丧失抵押赎回权和冻结五年内的可调利率抵押贷款的利率。她也提议出资300亿美元帮助各州，防止丧失抵押赎回权。巴拉克.奥巴马则倡议为购房者提供100亿美元的资助。

上个月，约翰.麦凯恩说：“紧急财政资助和奖励那些不负责任的人，无论他们是大银行还是小借贷者，这都不是政府的责任。”但是他现在提出，让一些购房者使用政府保证金来代替次级贷款。他的竞选团说，该计划将惠及40万购房者。