http://seattletimes.nwsource.com/html/realestate/2014684447_harney10.html
联邦政府正在拟定新的贷款规则，包括：
- 至少20%的头期
- 严格的debt-to-income比例：36%，远远小于现在市场上的45%
- 如果要重新贷款，房屋资产不得少于25%；如果要作cash-out重贷，房屋资产不得少于30%
- 更严格的信用要求。比如说，如果你在过去2年里有过一次拖延付款60天以上的记录的话，你将不能拿到最好的利率
这个新的提案就是所谓的“qualified residential mortgage”，或QRM。按照联邦政府提议，如果某项贷款不符合QRM标准，银行必须要提取5%的保证金，以备贷款人跳票。而这5%的费用，将无可避免的被转移到消费者头上。
新的提案正在收集公众的建议，建议截止期是6月10日，预期到2012年开始正式施行。
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