为什么在新西兰贷款者不能把“资不抵债”的房屋交给银行了事

wkjxz

正在看这个新闻“NZ房贷借款增长飞快 房市是经历繁荣还是要崩盘”。这个是链接。http://money.skykiwi.com/realestate/2016-06-10/220545.shtml

有个地方没有看懂。请给指教一下？为什么在新西兰贷款者不能把“资不抵债”的房屋交给银行了事？难道银行还要把所有个人财产来抵债？

“美国的购房者还算幸运的，因为在很多州，如果房产“资不抵债”，贷款者只要把房屋交给银行就可以。但是在新西兰，这是行不通的——债务会一直跟随借款人。”

piaomiao

我的理解是你找银行借了100万买房子，然后你还不起了，就把房子给了银行，然后银行把房子卖了80万，剩下的20万还是要你来还。

bungyjumping999

when you go to the law firm to sign the loan agreement and mortgage, you will be explained:-

1) if you fail to pay the loan, the bank can mortgagee sale your property and recover any costs related to recovery, default interest ( can be 13% or more), expenses, legal costs ( bank will engage external lawyer normally expensive law firm eg Russell McVeagh) from the sales proceeds.

2) if not enough from the sales proceeds, the bank will sue you and joint borrowers, or guarantors to recover any shortfall.

3) if still not able to recover, the bank will bankrupt you and other borrowers/  guarantors named in the documents.

Any debt ( balances) still not recovered will be treated as bad debt in bank's balance sheet, which is tax deductible.
The file is then closed from bank's points of view, as your's ( and other joint borrowers and guarantors) assets and liabilities are now in the hands of an official assignee who will manage the bankrupts' estate.
In summary, "if the weather is good, the bank gives you an umbrella, the moment the weather has changed, the bank will take the umbrella away from you " There is nothing new, the normal cycle of capitalism, heyha..

XiaoFaye

piaomiao 发表于 2016-6-12 13:24
我的理解是你找银行借了100万买房子，然后你还不起了，就把房子给了银行，然后银行把房子卖了80万，剩下的2 ...

全中，反正银行是不会亏的。

NewLynnHse

要是能把房子给银行然后拍拍屁股走就好了

SunshineBay

NewLynnHse 发表于 2016-6-12 23:18
要是能把房子给银行然后拍拍屁股走就好了

可以的，就是要先要向法院申请破产，破产身份拿到了，欠银行的钱就不用还了，利息也没有了。

美国是以抵押物为限，抵押物交给贷款银行就没有借代关系了。