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People with bad credit and bad habits should be squeezed out of housing

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Year of Reckoning for Commercial-Property Lending?

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The waiting game could be over in 2010, as banks could start taking hits on commercial loans portfolios when they unload them from their books. "So far, banks have mostly been turning a blind eye to technical breaches of loans. Rather than foreclosing and being forced to take write-downs, they have held nonperforming commercial-property loans on their balance sheets, extending deadlines, refinancing debt or even selling them off to subsidiaries."

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