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10 个短期销售的秘密 10 Mysteries You Should Know About Buying or Selling Short Sale

10 个短期销售的秘密 10 Mysteries You Should Know About Buying or Selling Short Sale. 李耀东 华泰地产行政总裁 Speaker: Joseph Lee Executive Vice President of National Realty Group.

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10 个短期销售的秘密 10 Mysteries You Should Know About Buying or Selling Short Sale

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  1. 10 个短期销售的秘密10 Mysteries You Should Know About Buying or Selling Short Sale 李耀东 华泰地产行政总裁 Speaker: Joseph Lee Executive Vice President of National Realty Group

  2. 您的房屋负债高於房价吗？Are you upside down on your house?您的房屋有被银行收走的危险吗？Are you facing foreclosure?您已经有几个月无法支付贷款了吗？Are you behind on your mortgage payments?

  3. 1. 什么是短期销售? What is Short Sale? • 房屋贷款超过房屋市值 Owe more than the fair market value of the home • 房屋产权人经济突然发生危机 Face a demonstrable financial hardship • 面临收屋通过银行批准卖出房屋的一种销售方式 Need your lender’s approval to close escrow

  4. 比银行收回房屋要节省费用 Lower loss severity on their investment than a foreclosure 屋主出示经济困难证明 Must demonstrate a financial hardship 屋主无法还清贷款总额 Inability to pay back the full amount of loan(s) 证明屋主没有资格再承受这个贷款 Like “reverse qualifying” for your loan(s) 2. 为什么银行会批准短期销售？Why would lender(s) approve Short Sale?

  5. 屋主突然发生经济危机的申诉书 Hardship Letter 两个月的银行帐单 Two-monthBank Statements 最近两年的报税单，最近一个月的工资单等所有可以证明屋主无法承付现有房贷的证明材料Tax returns, pay stubs, financial statements and other documents to prove inability to pay off the loan 签署同意华泰地产代表屋主与银行谈判的书面协议，合同及附件等 Signed authorization, aknowledgements, addnendums and disclsoures  3.短期销售需要什么资料? General requirments for Short Sale

  6. 接受，协商，或回绝 Accept, counter or reject the offer 合同需要等待银行同意 Contingent upon the lender (s) approval 华泰地产收到合同后，会向银行递交整理好的所有文件Submit the signed contract and complete short sale listing/offer package  4.收到合同后如何处理What happens after receiving an offer?

  7. 银行需要45-60天的时间审批申请 Must be prepared to wait at least 45 to 60 days 审批时间从银行收到合约之时开始计算（时间的长短根据银行的不同而有所不同），还有一些其他条件需要满足Remember after approval, other contingencies (home inspections, buyer’s loan qualifications, apprasial) must be met； Approval is only one piece of the puzzle 5.  短期销售的时间表? How long will the lender(s) take?

  8. 变为“有条件的接受”状态，需经银行同意 In “contingent” status upon short sale approval 在与银行协商的过程中，其他买方还可以递交合同 Other buyers may make an offer 按照法律规定，卖方经纪必须递交所有合同 Agent will be required by Nevada law to present other offers 6. 接受合同后还需要上市吗？Will the house stay on the market?

  9. 银行可能会把债务一笔勾销 May forgive the debt 银行可能会在年终发给屋主税单 May issue a 1099 at the end of year 银行可能会将部分欠款转变成无抵押信用贷款 May issue an unsecured note 至今为止，华泰地产已成功地为95%的顾客与银行协商勾销了所欠债务 Naitonal Realty Group has 95% sucessful rate at getting lender to forgive the debt 7. 如果银行同意短期销售，我还欠钱吗？ Do I owe the difference after Short Sale?

  10. 两者的主体不同，两者的销售手段不同 Lender(s) dispose property through different process 对房屋产权人信用所产生的影响不同, 短期销售可能在信用报告上显示已偿还贷款，或需偿还贷款，或晚缴付款等。短期销售能将对信用的影响减至最低 A short sale is listed as SETTLED DEBT, and is much less harmful to homeowner’s credit 银行回收后在房屋产权人的信用报告上会有房屋曾被银行收回的记录。此记录并将在信用报告上显示七年 Foreclosure will show up as FORECLOSURE for up to seven years and may have negative impact on job applicantion 通过短期销售的房屋产权人3年之内即有权利再次买房。 Can still qualify for finacing within 3 years 8.短期销售与银行回收屋的区别Short Sale vs. Foreclosure

  11. 如果不批准或买卖不成功的话，银行就会通过法律途径拍卖房屋如果不批准或买卖不成功的话，银行就会通过法律途径拍卖房屋 Denial may result in foreclosure 同意买卖成功后，会有前叙结果发生 Situations we described before may occur 但不会影响到屋主的其他财产 But settled short sale won’t affect your other properties 9. 短期销售的后果The liabilities of doing Short Sale

  12. 一般房屋销售卖方负责双方经纪佣金及其他相关费用一般房屋销售卖方负责双方经纪佣金及其他相关费用 In gerenal, seller is responsible for the seller and buyer broker’s compensations 短期销售的卖方无需支付经纪佣金及其他销售房屋的费用 In short sale, broker’s compensations and other liens are deducted from sales price 卖方银行根据产权公司提供的清单，将卖方所需支付的费用和卖方欠款余额加在一起作为亏欠总额进行处理 The net proceeds are credited to the lender(s) after closing costs. In an other word, seller gets ZERO dallor from the sales proceeds 10.短期销售的费用 Cost of Short Sale

  13. 短期销售是一个审批复杂的过程，所以您选择的卖方经纪在短期销售中起著至关重要的作用。 华泰地产的专业团队有著丰富的与银行谈判的技巧，并有许多成功的经验，可为您提供短期销售的所有服务，以释还贷之危，负债之苦。您将是下一个收益人吗？Short Sale is a very complicated process, therefore choosing the right real estate expert to help you is very critical. National Realty Group has a team of experienced professionals with the skills and tools to negotiate with your lender(s). Our high successful rate could help you to solve your financial hardship during this difficult time. Are you the next person who can benefit from our services?

  14. 您知道您有可能得到政府零头款的房贷资助吗？Do you know that you can still qualify for $0 down payment new government home loan programs?如何在房市危机中抄底获利呢？Also you can profit from and build equity as a result of this declined housing market.

  15. 销售量比较Sales Comparison

  16. 出租价格比较Rent Comparison

  17. 买房及租房实例分析Buy vs Rent Case Study • 卖价Sales Price: $165,000 • 头款Down Payment: 20% • 月付Monthly Payment: $950 PITI • 买这个房子可以每月帮您节省$300 You save $300 per month to be a homeowner

  18. 买短期销售房还是银行回收房Buying Short Sale vs. REO • 短期销售一般是屋主自住，所以都维护得比较好 Usually owner occupied and well maintained • 价位都比银行回收房会便宜 Save 10 - 20% on price than REO • 无需竞价 No bidding war • 但等待时间会稍长 Long waiting period

  19. 如何保护投资及增加收益How protect your investments & increase profit • 选择正确的房地产专业人士 Choosing the right real estate expert • 选择合适的地点 Buying in a high rental rate area • 选择可靠的职业房产管理经理 Hiring a professional property manger • 不是每个地产经纪都熟悉房产管理的程序 Not all real estate agents know how to manage your property

  20. 华泰地产房产管理部 NRG Property Management Division • 24小时网上管理系统 24 Hour Online Management System • 24小时紧急热线 24 Hour Emergency Hotline • 不出租不收费 No Upfront & Setup Fees • 强大的市场推广 Extensive Marketing • 完整的租客背景调查 Complete Tenant Screening • 每月管理费最低从5%起 Low 5-8% Monthly Fees

  21. 李耀东行政总裁Joseph Lee Executive Vice President华泰地产National Realty Group 702-727-3500www.NRGLV.com Contact Information

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