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Vivinavi Los Angelesショートセールで家を売る時のリスク
- #1
-
- ハードワーカー５
- 2013/11/30 16:55
５年前にコンドを購入しました。
今のエージェントから、ロケーションが余り良くないために買った値段以上には、値上がりが期待できないということで、ショートセールで家を売ることを勧められています。
そのエージェントは銀行がショートセールでオッケーすれば、クレジットヒストリーにも傷がつかないと言っています。
ショートセールで家を売る際のリスクがあれば教えてください。
過去にショートセールで家を売った経験のある方、教えていただけますでしょうか。
よろしくお願いします。
- #2
-
＞ロケーションが余り良くないために買った値段以上には、
余り良くない、と言われても買うときはどんな事をいわれたのでしょうか。
- #4
-
ショートセールはForeclosureされたくないときにレンダーがＯＫしてくれれば選べるチョイスです。 毎月の支払いができないという事実があり、レンダーがＯＫしてくれれば可能、、、ということです。 これまでローンをはらってるならレンダーはこれからもずっと払ってほしいのでＯＫはしてくれません。
支払がとどこるとレンダーがＯＫしてくれる可能性がでてきますが、そうすると当然クレディットレコードに影響します。 ショートセール自体はクレディットスコアに影響するとあちこちに書いてあるので、ネットで調べた方がいいですよ。
ショートセールはForeclosureとあまりかわらないと思った方がいいです。 売値はレンダーが決めますが、いくらで売れてもあなたにはお金は入ってこないので関係ありませんが、ローンの額と売れた金額の差（免除されたローン額）は収入として所得税がかかります。
頭金が１０％なら泡と消えてもしょうがないと思えますが、２０％ならちょっとおしいですよね。 マーケットがよくなるまで少しまつのがいいのでは?
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