s******r
发帖数: 45 | 1 手里两套房子，房价均跌过半，不得已要出手一套。但有人警告我说，如果shortsale
或者foreclosure一套的话，银行有权把我另一套房子、存款、车子也拿走。果真如此
么？请懂行的给答一下。 |
h*******s
发帖数: 3932 | 2 干嘛不都出手？有一套在水上？
有人说如果你做过refinance，可能会这样。但貌似丢房子的人很多都做过refinance的。
shortsale
【在 s******r 的大作中提到】
: 手里两套房子，房价均跌过半，不得已要出手一套。但有人警告我说，如果shortsale
: 或者foreclosure一套的话，银行有权把我另一套房子、存款、车子也拿走。果真如此
: 么？请懂行的给答一下。
|
g********n
发帖数: 2314 | 3 no.
Try short sale first.
shortsale
【在 s******r 的大作中提到】
: 手里两套房子，房价均跌过半，不得已要出手一套。但有人警告我说，如果shortsale
: 或者foreclosure一套的话，银行有权把我另一套房子、存款、车子也拿走。果真如此
: 么？请懂行的给答一下。
|
r******d
发帖数: 1879 | 4 that is bullshit. Motgage is specific lien, which means the bank can only
take the house they made a loan on. |
s******r
发帖数: 45 | 5 有没有专业地产的来解答一下？这是我在wikipedia找到的：
This （short sale)agreement, however, does not necessarily release the
borrower from the obligation to pay the remaining balance of the loan, known
as the deficiency |
o****e
发帖数: 4946 | 6 要我就死捂，总有出水的那一天
shortsale
【在 s******r 的大作中提到】
: 手里两套房子，房价均跌过半，不得已要出手一套。但有人警告我说，如果shortsale
: 或者foreclosure一套的话，银行有权把我另一套房子、存款、车子也拿走。果真如此
: 么？请懂行的给答一下。
|
a****t
发帖数: 7049 | 7 The lien is placed against the specific house as collateral, but unless it's
a non-recourse loan, you still owe the bank money if the collateral's value
is less than the debt owed.
Refinanced loans in California, equity loans, loans made to investment
properties, are probably recourse loans, so indeed with a court order, the
bank can come after other assets. It's just a little less automatic.
【在 r******d 的大作中提到】
: that is bullshit. Motgage is specific lien, which means the bank can only
: take the house they made a loan on.
|
d********t
发帖数: 121 | 8 如果downpayment很少, 死捂是死路一条
【在 o****e 的大作中提到】
: 要我就死捂，总有出水的那一天
:
: shortsale
|
o****e
发帖数: 4946 | 9 我就不明白，房价不跌，付30年mortgage不是死路一条
怎么房价跌了，付同样的mortgage就是死路一条？
【在 d********t 的大作中提到】
: 如果downpayment很少, 死捂是死路一条
|
r******d
发帖数: 1879 | 10 if the deed of trust or mortgage contains a power of sale clause, Lenders
may not seek a deficiency judgment and the borrower has no rights of
redemption. |
|
|
s****l
发帖数: 327 | 11 银行会拒绝你其中一套的Short sale
shortsale
【在 s******r 的大作中提到】
: 手里两套房子，房价均跌过半，不得已要出手一套。但有人警告我说，如果shortsale
: 或者foreclosure一套的话，银行有权把我另一套房子、存款、车子也拿走。果真如此
: 么？请懂行的给答一下。
|
a****t
发帖数: 7049 | 12 There are people who think houses are investments.
【在 o****e 的大作中提到】
: 我就不明白，房价不跌，付30年mortgage不是死路一条
: 怎么房价跌了，付同样的mortgage就是死路一条？
|
a****t
发帖数: 7049 | 13 Power of sale just gives the lender an *option* to purse non-judicial
foreclosure by just selling the house. But if the bank wants, maybe because
there is significant other assets available to override the costs of getting
court involved, or maybe the bank is just an asshole, then it can pursue
judicial foreclosure and deficiency judgement.
【在 r******d 的大作中提到】
: if the deed of trust or mortgage contains a power of sale clause, Lenders
: may not seek a deficiency judgment and the borrower has no rights of
: redemption.
|
g********n
发帖数: 2314 | 14 It depends.
如果不是死撑，房价跌不跌无所谓。
如果是死撑， 房价跌不跌区别就大了。
【在 o****e 的大作中提到】
: 我就不明白，房价不跌，付30年mortgage不是死路一条
: 怎么房价跌了，付同样的mortgage就是死路一条？
|
d**********t
发帖数: 375 | 15 看看你的贷款条款上的小字，你这个是resource loan吗？ |
o****e
发帖数: 4946 | 16 死撑有啥区别？
【在 g********n 的大作中提到】
: It depends.
: 如果不是死撑，房价跌不跌无所谓。
: 如果是死撑， 房价跌不跌区别就大了。
|
a****t
发帖数: 7049 | 17 死撑 = stupid + braindead regardless of house price.
【在 g********n 的大作中提到】
: It depends.
: 如果不是死撑，房价跌不跌无所谓。
: 如果是死撑， 房价跌不跌区别就大了。
|
o****e
发帖数: 4946 | 18 别这么说，貌似弯曲死撑一族人数不少
【在 a****t 的大作中提到】
: 死撑 = stupid + braindead regardless of house price.
|
x***q
发帖数: 4953 | 19 两套房子都扔给银行。不要搬也不要付钱，除非他们把你赶走。
就算赶也要尽量赖着不走。
银行是有钱人，损失当然由他们背。
如果你被它们欺骗，吓唬，那我只能说你活该受穷。。。
shortsale
【在 s******r 的大作中提到】
: 手里两套房子，房价均跌过半，不得已要出手一套。但有人警告我说，如果shortsale
: 或者foreclosure一套的话，银行有权把我另一套房子、存款、车子也拿走。果真如此
: 么？请懂行的给答一下。
|
t***s
发帖数: 4666 | 20 but ca is a "one-action" state. if they decide to foreclose, which
is one action, on you, they cannot have other actions against you.
's
value
【在 a****t 的大作中提到】
: The lien is placed against the specific house as collateral, but unless it's
: a non-recourse loan, you still owe the bank money if the collateral's value
: is less than the debt owed.
: Refinanced loans in California, equity loans, loans made to investment
: properties, are probably recourse loans, so indeed with a court order, the
: bank can come after other assets. It's just a little less automatic.
|
|
|
r******d
发帖数: 1879 | 21 why?
发信人: svbull (硅谷牛), 信区: SanFrancisco
标 题: Re: 懂short sale和foreclosure的进来看一下！
发信站: BBS 未名空间站 (Tue Apr 20 14:35:23 2010, 美东)
银行会拒绝你其中一套的Short sale |
m*******n
发帖数: 338 | 22 I have came across home owners who are doing short sale while having another
underwater house.
Also when you do short sale, make sure you get an experienced agent, and
make sure he will put in a debt relief document for the bank to agree not go
after you after short sale. |
t********9
发帖数: 441 | 23 不太懂，既然都在水下，那就都不要了算了，反正credit也毁了，就一次毁个够。一般
说refinance过了之后银行理论上可以追你其它的财产的。 |
r*******F
发帖数: 250 | 24 one of my friend was in the same situation as you.He bought a house and did
refiance to get 100K from bank, and then used this money as downpayment to
buy another house in 2006. He short saled the first house in 2008, and kept
the second one, no any problem at all.as someone said b4, you have to get a
experience agent to make sure he will put in a debt relief document for the
bank to agree not go
after you after short sale. some bank may not aprove your short sale, and
then just let it foreclose |
r*******F
发帖数: 250 | 25 my own experience.
I bought a house in 2006 with no dp, but it was deep under water in 2008
when I was trying to refiance. I bought another one in 2008, and tried to
short sale the first one,but bank asked me to pay 45k something for the it.I
refused it and bank foreclosed the first house last year. My credit went
bad, but no any effect on my second house. as long as your mortgage is
purchasing loan,bank can only get back the house, it has no right to ask you
for more money other than the house. |
m********5
发帖数: 285 | 26 如果DOWN 放得不多，当然是两套都出手了，留着给黑黑娶媳妇啊？ |
a****t
发帖数: 7049 | 27 You are talking about if the lender pursues non-judicial foreclosure.
By the way, in some cases cancelled debt is considered income subject to tax
. Basically if you are trying to do a strategic default on recourse loan
properties, you may be really screwed.
【在 t***s 的大作中提到】
: but ca is a "one-action" state. if they decide to foreclose, which
: is one action, on you, they cannot have other actions against you.
:
: 's
: value
|
r******d
发帖数: 1879 | 28 sfresher never said he refinanced his two houses.
if (not refinanced)
lender can't pursue deficiency judgement according Section 580b;
else if (non-judicial forclosure) //majority cases in california
lender can't pursue deficiency judgement according Section 580d;
else //very rare
lender can pursue deficiency judgement;
|
