U.S. Banks, the stocks on Thursday after the reports of the administration has proposed Autoguiding on an anti-except what the government subsidizes the reduction of the surplus in the monthly payments for the borrower.

The Department of the Ministry of Finance has refused to confirm or refute the accuracy of the Reuters report, which says that the discharge would be for all borrowers, which have, depending on their needs. Officials said that the not yet completed.

But they have told the Financial Times the government was the use of 50 billion U.S. dollars to be the active help for difficulties in order to reduce the monthly payment.

The treasure could be of assistance to the banks have a problem with the mortgage portfolio by structuring the system in a manner which provides financial support to donors to prevent the loss of payments.

People who are in the process, the Treasury was likely to continue its policy to a defense by Sheila Bair, head of the Federal Deposit Insurance Corporation. This plan may be the monthly expenses for a maximum of 38 percent of income, May, which is the standard for the system of government.

Under the FDIC plan to Indymac, a bank, was approved by the regulators before selling to investors who would be prepared to offer amendments to the borrowers who are ready too late. Policy makers are concerned about this rule by providing an incentive for payments behind in order to enjoy the help.

The attractiveness of a standard test affordability is not the people back. The disadvantage is that this meant that the government subsidization of certain borrowers who slept on the roof of their loans in any case – by an increase in the total cost to the taxpayer.

Ms. Bair suggested the banks to reduce monthly payments accepted for the loss if the loan at a later date in default.

But the officials of the Ministry of Finance and the Federal Reserve Bank argued for the Advancement of subsidies, since the cost of government would be easier to quantify.

Experts say that the backup of the displacement is also the cash for services to ensure their efficiency and performance incentive for the loan in support of securities sold to investors.

The biggest uncertainty is whether it is taking action to reduce the outstanding capital stock in cases where the value of a mortgage on the value of the home page.

Fed research suggests that this phenomenon – and negative – can be a major driver of default and seizures, other analysts in the government do not agree. The Fed has recently published a standard for writing the main proceedings on loans, he co-owner, if the credit exceeds 125 percent.