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Vivinavi Los Angeles家のローンが終わる際に
- #1
-
- ゴクウ
- 2010/12/29 18:00
来年、家のローンを払い終えるのですが、
何かローン会社のほうに証明書みたいなものとか貰うんでしょうか?
あとローンに含まれていたPROPERTY TAXなんかはどうなるんでしょうか?
何かご存知の方いらっしゃいましたらよろしくお願いします。
- #2
-
- daniema
- 2010/12/29 (Wed) 19:00
- Report
ローン会社は関係なくなるので、
カウンティーのTreasurer Tax Collectorから
PROPERTY TAXのビルが直接家に届く。
年２回払いだが、一括で払ってもいい。
- #3
-
- エドッコ3
- 2010/12/29 (Wed) 22:00
- Report
すごいですね、一軒の家のローンを払いきるとは。
アメリカではその人の所得に応じて、普通、家を買い換えますよね。あるいはリファイナンスでまた１からローンがスタートするし。
プロパティータックスも含めたローンなら、ローン会社もトラブルを避けたいから、ローンが終わる時点であぁしろ、こぉしろ、と言ってくるんじゃないでしょうか。
それを済ませば、daniema さんが言うようにカウンティーから直接来ます。LA カウンティーの場合、通常、１０月頃その通知が届いて、いっぺんに総額払ってもいいが、なんせ高額なので、皆さんは２回に分け半額の１１月１日 Due のを１２月１０日までに払い、残りは２月１日 Due で４月１０日までに払います。これを過ぎてしまうと１０％ぐらいのペナルティーがつくので気をつけてください。
- #4
-
- gxe
- 2010/12/29 (Wed) 22:35
- Report
プロパティータックスも含めたローンなら
ローン会社もトラブルを避けたいから?
ローンが終わる時点でどんなトラブルが
襲ってくるのでしょうか
- #5
-
- エドッコ3
- 2010/12/29 (Wed) 23:16
- Report
その辺は私の勝手な想像です。
ローン自身の収束はローン会社だけの処理で済みますが、プロパティータックスも地方政府の代理として徴収している場合、代行手続きが終わることを地方政府と支払い側に通知する必要があるでしょう。もしそれを怠ればローン会社自身も何らかのトラブルを抱え込むような気がします。
多分、ローンが終わる数ヶ月前にローン会社は自動的にいろんな処理が出てくるだろうし、トピ主さんも心配ならその頃ローン会社に聞いてみてはいかがでしょう。
Posting period for “ 家のローンが終わる際に ” has been closed.
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