If these were commercial loans, creditors would consider restructuring them – extending the payment schedule and typically writing down principal. But, in America’s home mortgage market, this is much less common.
如果这些贷款都是商业贷款，那么债权人可以考虑对其进行重组——即延长偿还期，通常还包括减记本金。但是，在美国住房抵押贷款市场，这么做并不普遍。银行肯定不愿意进行数百万次重组谈判，而且更重要的是，它们不愿意直面其贷款组合所隐含的损失。