补偿再融资

关于carry - back融资

背带融资是一种抵押贷款，卖方, 只要他或她拥有他们的财产, 能否有效地直接向卖方提供融资. 这是由卖方带着购买价格的一定数额的票据来完成的. 金额从购买价格的10%到100%不等.

背带融资的好处

对那些信用有问题的人来说，carry - back融资是一个很好的选择, 难以从传统来源获得融资, 而且可能财力有限. 这种类型的融资可以让卖家有效地让买家买到房子, 即使他们的信用记录不是很完美，买家也想拥有自己的房子.

另外, 因为背带贷款比传统贷款更灵活, 这一安排可以精心安排，使交易双方都能满意. The amount of interest a seller can charge is less than what a traditional lending institution would charge. 另外，一笔贷款的平均期限是5到7年. This is the perfect amount of time for the buyer to reestablish his or her credit and eliminate negative reporting. 当这段时间结束时, 然后，买方可以从信誉良好的贷方获得传统融资. 当然, 和其他贷款一样, 在获得新的融资时，将有相关的交割成本和其他费用.

相关的风险

Because the type of buyer who traditionally seek carryback financing are people with credit history issues, 如果买方违约，这将给卖方带来巨大风险. The seller would be stuck with the whole mortgage, if there is still a mortgage on the property. 还有驱逐买家的任务.

买家也不是没有风险. 卖方可能会拖欠房屋抵押贷款. 如果有人欠了房款而卖方违约, the seller could lose the property and the buyer would then lose the sum of the amount they invested in the property up until that date of default.

房地产背债的陷阱

在房地产交易中, it is not uncommon for a buyer to ask the seller to finance a portion of the purchase price via a promissory note secured by a second deed of trust against the property.

Where the property is residential real estate of two and one-half acres or less—a normal residential sale—special rules apply and the seller will have no right to sue to collect money due in the event of a default.

根据亚利桑那州的法律，卖方的唯一补救办法是取消财产赎回权. 止赎的过程可能很长，而且, 与此同时, 卖方必须保持先前的产权留置，以保护自己的利益. In effect, this amounts to giving the defaulting buyer free rent during the foreclosure process.

A seller can be in a very difficult spot where there is insufficient equity in the home or where the seller’s funds are insufficient to keep the prior encumbrances current. 每个案例都必须根据其是非曲直加以分析, but where a seller can foresee no circumstances in which he or she would retake possession of the home, 把随身携带的纸币和其他财产放在一起保管可能是更好的做法, 如果可用, 或者干脆不去保护它, 因此，在发生违约的情况下，保留了起诉催收的选项.

向律师咨询背带融资的问题

以便起草一份可靠的carry - back融资协议, 咨询房地产律师以保护双方当事人是非常必要的. 这类融资和聘请律师有许多错综复杂之处, 至少, 审查文件和安排是确保协议成功的唯一途径.

To talk with one of our experienced real estate attorneys about carryback financing, please 联系律师事务所 of ladbrokes立博亚洲 & Westby P.C.，或致电 602-277-4441.