<prompt> Translate the following text to EnglishHUD inaripoti kwamba sheria ya mpito itakuwa na athari ya moja kwa moja tu juu ya kuundwa kwa familia, matengenezo, na ustawi wa jumla na kwamba athari hiyo itakuwa ya manufaa kwa sababu itasaidia wamiliki wa mikopo ya nyumba kudumisha umiliki wa mali zao.  <response>: HUD reports that the interim rule will have only an indirect impact on family formation, maintenance, and general well-being and that such impact will be beneficial because it will assist mortgagors in maintaining ownership of their properties. 