加州地產─柏瑞雅 為您解答免費房產市場需求諮詢

Free Q&A for Your Real Estate Needs  Call Rhea Bai Today

無法償還每月房屋貸款?
Having Trouble Paying Your Monthly Mortgage Payment?
SHORT SALE可能是你的最佳選擇
A SHORT SALE may be an option for you

如果你正面臨以下問題:
If you are experiencing all of the following:
• 失業, 離婚, 昂貴的醫療
A hardship, such as a job loss, divorce or medical emergency
• 房屋欠債額超過您房屋的目前市值
Owe more than your house is worth
• 無法負擔您現在的房屋貸款
Unable to afford your current home loan
• 無法重組或調整您現在的房屋貸款情況
Unable to modify your current home loan

壓力重重的您可以有以下選擇:
Options for distressed homeowners
• 重新借貸
Refinance
• 賠售
Short Sale
• 重組或調整目前的房屋貸款計畫
Lender workout
• 銀行收屋及拍賣,等
Deed in lien of foreclosure, etc

 自2009年末以來, 50%的房屋轉售涉及到SHORT SALE及Foreclosure
By the end of 2009, 50%of the resale transactions closed involved with short sale and foreclosures.

Q: 什麼是SHORT SALE賠售?
What is a SHORT SALE?
A: SHORT SALE賠售是指seller和lender 達成協議,seller按市值折價出售房屋,賣房以還清債 務。如果房屋擁有者無法在規定時間內賣出房屋,Lender(通常情況下為銀行)將會開始法拍程式,進行收屋並拍賣。在此情況下,seller為了脫離債務,將被迫宣佈破產。然而,有時即使宣佈破產,也未必可以脫債。
A Short Sale means the seller’s lender is accepting a discounted payoff to release an existing mortgage. If the owner failed to sell the property within a certain period of time, the property will go into Foreclosure.

Avoid Foreclosure and Protect Your Credit。Discover Your Options！

Q: 在SHORT SALE這段時間裡,我該注意什麼?
What should I expect during a short sale?
A: SHORT SALE是個很好的選擇,但一些信用上的負面影響仍舊是不可避免的。雖然如此,SHORT SALE比銀行法拍仍有利很多。根據Faddi Mac的政策,現今,如果進行SHORT SALE,憑信用您可能在2到3年後依舊可以重新貸款買房。然而,如果您選擇了銀行法拍,那麼您的信用將在7到10年後才可能恢復。
There are still some negative impacts on your credit even with the short sale option. However, the negative impact may be less than you would have with a foreclosure. Under current Fannie Mae regulations, a short sale may enable you to qualify to buy a house again sooner, in as little as 2 to 3 years, than if you had gone through a foreclosure, which would be 7 to 10 years before you would be eligible again.

Q: 為什麼SHORT SALE可能會失敗?
Why Short Sale Fail?
A: SHORT SALE的失敗可能會有很多原因造成。 其中包括:
There are many reasons why short sales fail, including, but not limited the following:
不充分的SHORT SALE材料
Incomplete short-sale package
無法在指定時間內達成合約
No reasonable chance of closing
Agent關於short sale方面 經驗不足
Inexperienced listing agent
屋主補足貸款,有能力償還
Release of deficiency
屋主沒有充分證明以證實其有財務困難
No hardship
與非第一順位債權人無法達成協議折扣金額
Junior liens
第一順位lender要求的條件高出買家出價, 等。
Lender， etc.

時間就是制勝關鍵!!!
Time is Essential!!!

Q: 我該如何開始SHORT SALE?
How do I get started with a short sale?
A: 儘快聯繫您附近的SHORT SALE專家來説明您。因為時間有限,越及時的決定會帶給您越大的先機!
Contact your short sale and neighborhood specialist to help you. Because the sooner you make a decision, the better position you will get.
良好的信用幾乎是您在美國的第二生命,它幾乎是您創業冶業必不可少的條件。
如果你面臨還貸問題並且有意short sale,趕快給柏瑞雅打電話吧!她會説明您準備好short-sale package lists,和您一起馬上開始SHORT SALE !!!
Call Rhea Bai today and she will give you the short sale package list to help you start your short-sale right now!!!