They mean that if, under the supervision of the courts, a specified percentage of the debt is repaid within a specified time, then financial institutions may not unleash debt collectors to use whatever means necessary to recover the debt.
其次，「自用住宅借款」是參考日本作法，保障債務家庭的基本居住權，在債權人與法官同意下，債務人於更生期間可以只繳房貸利息，至更生期間結束後，再繼續償還本金與利息。