With mortgages amounting to 95% or more of the value of the house, debt restructuring will not be easy. What is required is to give individuals with excessive indebtedness an expedited way to a fresh start – for example, a special bankruptcy provision allowing them to recover, say, 75% of the equity they originally put into the house, with the lenders bearing the cost.
掠夺性贷方的受害者们才是需要政府帮助的人。当按揭总额达到房产价值的95%或以上时，债务重组就不那么容易了。需要给予过度负债的个人一种重新开始的快速通道—例如通过一项特别的破产规定允许他们重新获得起初投入房产的75%的资产，而贷方会承担相应成本。