显然，改善负债家庭以较低的当前利率获得再融资的能力有助于减少他们的债务负担，对借款人因房价大跌而导致按揭严重资不抵债者（即未偿还按揭高于住房价值）给予一定的按揭债务减记也可以起到相同的效果。
Clearly, improving indebted households’ ability to refinance at low current interest rates could help to reduce their debt burden, as would writing off some mortgage debt in cases where falling house prices have left borrowers deep underwater (that is, the outstanding mortgage exceeds the house’s value).