In the government February 2009, the end of l' presented; screen the accessible main program which makes a success of two main programs: for modifications of loan and one loans again are financed. The part of modification of loan is called l' accessible with conversion program (HAMP). It is developed, to reduce the owners of house in property of the d' payments; mortgage engagements pays per month on the levels stützbaren. The réplan will again finance the accessible house with program (TOOTHING-STONE) city. In accordance with the details of the HAMP of plan: * The place kreditgebende would be d' access to the bottom person in charge to take rate d' interest, so that the d' payment; mortgage month of taker d' money No is more like 38 percent its or returned. * L' initiative would gather d' access d' other reductions in d' payments; interests the dollar for dollar with the place kreditgebenden, to lower these relations with respect to 31 percent. * Lenders is also measures d' of it; to lower payments per month, by reducing the direction which is due on l' mortgage, if the treasure divides in the expenses. * Takers d' money are placed on a modification d' sample with the new rate d' interest and a payment for three months. S' they carry out in time all their payments, the modification with the new rate is introduced to be fixed locally and for five years. Under the HAMP of the modifications of loan are standardized, if the directives of modification of loan the constants by never and Freddie Mac used, and then will become they during all l' industry d' mortgage introduced.