美国的贷款购房者也更有可能逃避债务，因为许多抵押资产都“无追索权”，就是说放贷者不能追踪借贷者的其它资产。

American homeowners are also much more likely to walk away from their debts because many mortgages are "non-recourse", meaning that lenders cannot come after borrowers' other assets.

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但是他们的做法却与财政部的宏观目标(减少丧失房屋抵押赎回权的概率，清除金融体系中的坏账和负资产，并且恢复借贷的活力)背道而驰。

But in doing so they are working against the Treasury's broader goals: reducing the chances of foreclosure, cleansing the financial system of bad debts and negative equity, and rejuvenating lending.

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美国的特殊还在于提供了“无追索权”房贷，可以让借贷人无负债的轻易走开。

America is also unusual in having non-recourse mortgages that let borrowers walk away with no liability.

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