Washington remains behind the curve. Fearing for its finances, the Federal HousingAdministration is increasing fees on mortgages it insures, which account for roughly a third ofall new bank loans. A typical borrowers loan costs may rise by just $5 a month, yetAmerican Banker, a financial-services daily, suggests the rise could cut lending by billions ofdollars. The Federal Housing Finance Agency is moving only slowly to pack foreclosed-onhomes into bunches to be sold to investors for renting out. Thanks to those renters, the worstmay be over. But it will be years before the mortgage market fully recovers.
美国政府还没有跟上形势。因为担心现在的财政状况,联邦住房管理局抬高了担保按揭贷款的费用,大约占新的银行贷款的三分之一。一个典型的贷款者每月需要还的房贷可能会上涨5美元,不过,金融类日报《美国银行家》称,还贷量增加可缩减数十亿美元的借贷。联邦住房金融署磨磨蹭蹭地把止赎房屋收回并卖给投资商,让他们转租出去。多亏那些租房者,最困难的坎儿似乎度过去了,但是想让按揭市场完全好转过来还需要很长时间。
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