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Short Saleについて
- #1
-
- 悩み相談
- 2011/09/06 14:48
少し前に大きな怪我をして入院をし、医療費の支払いや休業が理由で家のローンの支払いが滞ってしまいました。
非営利団体に相談したところ、Short Saleについてレターが来ました。
受けるかどうか悩んでいますが、Short Saleにするとどんなデメリットがあるのでしょうか?
Refinanceは絶対に無理な状況で、Loan Modificationも天地がひっくりかえれば運良くできるのかもしれなません。要はShort Saleしか道はないと思うのですが・・・・
今後の人生において、どんなデメリットがあるのか心の準備もしておきたいのですが、調べる限りではクレジットスコアのことしか出てこないのでよくわかりませんでした。
一方では大した影響はなかったと言う人もいたので少々混乱気味です。
まことに勝手な相談ですがよろしくお願いいたします。
- #2
-
- okada123
- 2011/09/06 (Tue) 15:58
- Report
不動産屋さんに聞いた話ですが、翌年、Form1099（ローン金額から
売れた金額を差し引いた金額）が来るので要注意だそうです。
要するに、その金額を収入として申告しなければならないという
事です。
- #3
-
- エドッコ3
- 2011/09/06 (Tue) 17:22
- Report
> 今後の人生において、どんなデメリットがあるのか
Foreclosure になるよりはマシでしょう。でも Lender が Short Sale を OK してくれるかが先です。Lender とじっくり相談するべきです。
しかしこの時期不動産はいくら安くしてもなかなか売れませんよ。数軒先の家も Foreclosure になってから売りに出されましたが、半年ほど売れていません。
- #4
-
- furuisan
- 2011/09/08 (Thu) 23:21
- Report
事故などの理由で、家を手放すことになりお気の毒です。 住居の場合、２０１０年では＄２Mまでなら、ローンの免除額は税金上収入とならなかったので、大丈夫だと思います。
銀行さえ同意すればShortSaleにしても、CreditReportに残るのと、家の頭金をなくす意外には影響はないと思います。 医療費などの費用のためにローンを払えないというのは、Modificationの対象になると思いますが、銀行とこれについては話しましたか?
医療費はまだ払ってなければ、病院と交渉すればたいてい大幅な減額をしてくれます。
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