- 1、本文档共44页,可阅读全部内容。
- 2、原创力文档(book118)网站文档一经付费(服务费),不意味着购买了该文档的版权,仅供个人/单位学习、研究之用,不得用于商业用途,未经授权,严禁复制、发行、汇编、翻译或者网络传播等,侵权必究。
- 3、本站所有内容均由合作方或网友上传,本站不对文档的完整性、权威性及其观点立场正确性做任何保证或承诺!文档内容仅供研究参考,付费前请自行鉴别。如您付费,意味着您自己接受本站规则且自行承担风险,本站不退款、不进行额外附加服务;查看《如何避免下载的几个坑》。如果您已付费下载过本站文档,您可以点击 这里二次下载。
- 4、如文档侵犯商业秘密、侵犯著作权、侵犯人身权等,请点击“版权申诉”(推荐),也可以打举报电话:400-050-0827(电话支持时间:9:00-18:30)。
- 5、该文档为VIP文档,如果想要下载,成为VIP会员后,下载免费。
- 6、成为VIP后,下载本文档将扣除1次下载权益。下载后,不支持退款、换文档。如有疑问请联系我们。
- 7、成为VIP后,您将拥有八大权益,权益包括:VIP文档下载权益、阅读免打扰、文档格式转换、高级专利检索、专属身份标志、高级客服、多端互通、版权登记。
- 8、VIP文档为合作方或网友上传,每下载1次, 网站将根据用户上传文档的质量评分、类型等,对文档贡献者给予高额补贴、流量扶持。如果你也想贡献VIP文档。上传文档
查看更多
Chapter2Financing:notesandmortgages
Chapter 2 Financing: Notes and Mortgages Contents Notes-Major Provisions The mortgage instrument Assumption of Mortgage Other financing sources Default Alternative to foreclosure: Workouts Foreclosure Bankruptcy I. Notes 借据/期票(相当于“抵押贷款合同”) Serves as an evidence of debt Major Provisions (I): Amount borrowed Interest rate Payment amount, number of payments Maturity date Application of payments: Default conditions and penalties Major Provisions (II) Early payments or Prepayment of outstanding balances 提前还款 A privilege not a right Generally for residential mortgage loans, highly restricted for income-producing properties Default and Acceleration Clause 加速还款条款 Lender may accelerate on the note by demanding outstanding balances be paid immediately in case of default Nonrecourse Clause 无追索权条款 Lender will not hold the borrower personally liable in case of default Major Provisions (III) Loan Assumability 贷款续供 Loan assumed by the new buyer to retain favorable financing terms previously negotiated “Due on sale” clause 转售即还条款 Assignment clause 抵押贷款转让条款 Lender can sell the note to another party without approval of the borrower Future Advances 追加贷款 For additional funds Release or extinguishment of lien by lender 解除或灭失抵押权 when the loan is fully repaid II. Mortgage Instrument Utilization of mortgage financing has been the most common method of financing the purchase of real estate, esp. residential properties. Real estate is generally regarded as excellent security for a loan, since the lender acquires a secured interest in the real estate with a mortgage. Two sources for the loan be repaid: The borrower’s repayment The property serves as a security Definition of a mortgage A mortgage is created in a transaction whereby one party pledges real property to another party as security for an obligation owed to that party. A promissory note 应付票据/借款合同 Mortgage is evidenced by a separated promissory note. A written promise to pay or repay a specified sum of mo
您可能关注的文档
- 601语文期中质量分析与教学困惑.doc
- 6、公积金基础知识培训.ppt
- 6、评阅教师评语.doc
- 6年级下册科学2011年春第一学月题.doc
- 6sigama对比实验.ppt
- 6第四章--结构化设计2.ppt
- 6学生行为规范养成教育计划2011.doc
- 7-9试剂管理程序B-0.doc
- 7-7桁架的影响线.ppt
- 7.3.2三元一次方程组及其解法(加减消元法).ppt
- DB32∕T 2202-2012 北美鹅掌楸容器苗生产技术规程.docx
- DB32_T 2942-2016鲜食夏大豆 通豆9号品种.docx
- DB3210_T 1142-2023 扬州豆腐菜肴制作技艺.docx
- 鸟类追踪器使用规范_DB23T 2871-2021.docx
- DB33/T 2548-2022朱鹮人工种群构建及野化训练技术规程.docx
- DB3308T 153-2024柑橘园碳排放核算办法.docx
- DB3305_T 107-2019 营养健康村建设规范.docx
- DB3305╱T 112-2019 乡镇现代商贸建设和评价规范.docx
- DB3301 T 0393-2023 放心消费直播间管理规范.docx
- DB22T 2349-2015 无公害农产品 寒酥梨生产技术规程.docx
最近下载
- 铁塔室外光电一体箱(技术规范书)-.docx VIP
- 铂科磁材在太阳能逆变器的应用.pdf VIP
- 2025·上海浦东新区·二模智慧藏于“笨办法”:慢工出细活的真谛+审题立意及范文-备战2025年中考语文各地名校模考卷作文导写.docx VIP
- 经血源传播疾病的医院预防控制措施.docx VIP
- 安全操作规程(全套).doc VIP
- (word完整版)苏州工业园区合格证第四版参考题库答案.pdf VIP
- 2025年北京市通州区中考一模从“乐在其中”悟人生真谛”审题立意及范文-备战2025年中考语文各地名校模考卷作文导写.docx VIP
- 2021版 客户侧电能计量装置通用设计要求 第1部分 10kV用电客户电能计量装置.docx VIP
- Q∕SYCQ 4008-2022 工业用液化轻烃原料(打印版).pdf VIP
- 租房合同范本(完美打印版)6篇 .pdf VIP
文档评论(0)