主题:【原创】从一个short sale看美国的次贷危机 -- 东方射日
A short sale is a sale of real estate in which the sale proceeds fall short of the balance owed on the property's loan. It often occurs when a borrower cannot pay the mortgage loan on their property, but the lender decides that selling the property at a moderate loss is better than pressing the borrower. 。。。This agreement, however, does not necessarily release the borrower from the obligation to pay the remaining balance of the loan, known as the deficiency。
翻译如下:
short sale就是房产的销售价低于房产的债务。通常发生在借款人无法偿付房贷的时候,但借款人决定宁愿销售房产承受损失,好过压迫贷款人(还款)。
然而这个合约,并不一定意味借款人可以不用付剩余的贷款额。
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也就是说,short sale的定义是销售价低于债务。
借款人无法付月供,这仅仅是常见的情况,既非必要,也非充分。
至于债务解除,也不是必然的结果,不过就美国的现在,大约99%吧,债务都随short sale解除了。
- 相关回复 上下关系8
🙂shor sale的意思应是不管什么价卖出,债务一笔购销 20 铁手 字364 2011-06-22 14:05:03
🙂这个解释得对 5 Climb 字365 2011-06-22 21:27:29
🙂不太懂,好像说的是一回事? 2 ifuleu 字615 2011-06-22 10:05:15
🙂这段话说得很清楚啊
🙂请教一下 有个地方没太看懂 1 青石崖下 字688 2011-06-22 04:34:56