賣空銷售

房屋之所以會賣空銷售是因為原來的屋主/貸款人無力繼續繳清貸款,而銀行為了避免查封房屋而被迫接受低於剩餘債務的價錢。賣空銷售不等於原屋主就無任何債務,除非得到了銀行的同意。


賣空銷售對於銀行來說可以替代查封,以便預防更多的損失。對於貸款人而言通常可以讓他們不再對原來的債務負責。通常賣空銷售和查封都會使原貸款人的信用降低。


原貸款人若想申請賣空銷售,他必須能夠證明他有財政困難。


若您想購買賣空銷售的房屋,你必須有足夠的現金支付全部的金額。貸款通常不能夠滿足銷售的合同要求。

What is Short Sale?

A short sale is a sale of real estate property in which the money received from the short sale buyer will be less than the amount owed to the lender. The original buyer fails to carry on the commitment to repay the lender in full amount. Therefore, the lender(usually a bank or financial institution) agrees to accept a price lower than the amount remaining of the debt to prevent additional loss. Short sale agreements do not always mean the original borrowers will be free from their obligations to repay any shortfalls on the loans, unless specifically agreed by the lender.


Short sale as an alternative for default borrower and lender:

A short sale is an alternative to foreclosure as it prevents the lender from additional loss, and to free up the liability of the borrower to a great extent. However, both short sale and foreclosure usually result in a negative credit report against the property owner.


In order to apply for short sale, the borrower must prove that they have financial difficulty results in the failure of paying the remaining debt.


To qualify to purchase a short-sale properly, you need to have the cash offer to make the purchase. A plan to mortgage financing usually cannot satisfy the short-sale agreement.