deficiency judgement

简明释义

裁定短额

英英释义

例句

1.Many homeowners are unaware that a deficiency judgement 缺口判决 can be pursued by lenders after a foreclosure.

许多房主不知道，在止赎后，贷方可以追索缺口判决 deficiency judgement。

2.In some states, a deficiency judgement 缺口判决 cannot be issued if the property was sold for its fair market value.

在某些州，如果财产以其公平市场价值出售，则不能发出缺口判决 deficiency judgement。

3.If you receive a deficiency judgement 缺口判决, it can negatively impact your credit score for several years.

如果你收到缺口判决 deficiency judgement，这会对你的信用评分产生负面影响，持续多年。

4.After the foreclosure sale, the bank issued a deficiency judgement 缺口判决 against the homeowner for the remaining balance on the mortgage.

在止赎拍卖后，银行对房主发出了缺口判决 deficiency judgement，要求偿还抵押贷款的剩余余额。

5.The court ruled in favor of the lender, allowing them to obtain a deficiency judgement 缺口判决 for the unpaid amount.

法庭支持了贷方的请求，允许他们获得缺口判决 deficiency judgement，以追讨未支付的金额。

作文

In the realm of finance and real estate, understanding various terms is crucial for making informed decisions. One such term that often comes up during foreclosure proceedings is deficiency judgement. A deficiency judgement occurs when a borrower defaults on their mortgage, and the property is sold at a foreclosure auction for less than the outstanding loan balance. This situation leaves the lender with a financial shortfall, as they are unable to recover the full amount owed by the borrower. Consequently, the lender may seek a deficiency judgement against the borrower to recover the remaining balance.When a lender obtains a deficiency judgement, it means that the court has ruled in favor of the lender, allowing them to pursue the borrower for the unpaid amount. This judgement can significantly impact the borrower's financial future. It can lead to wage garnishment, bank levies, or liens against other properties owned by the borrower. Therefore, it is essential for borrowers to understand the implications of a deficiency judgement and how it can affect their credit score and overall financial health.From a legal standpoint, the process of obtaining a deficiency judgement varies by state. Some states allow lenders to pursue a deficiency judgement automatically after a foreclosure, while others require the lender to file a separate lawsuit. Additionally, some states have anti-deficiency laws that limit or prohibit lenders from seeking a deficiency judgement in certain situations, such as when the property is a primary residence. Understanding these laws is vital for both lenders and borrowers, as they dictate the rights and responsibilities of each party involved.Moreover, borrowers facing foreclosure should consider exploring alternatives to mitigate the risk of a deficiency judgement. Options such as loan modifications, short sales, or deed in lieu of foreclosure can provide viable solutions to avoid the negative consequences associated with foreclosure and a deficiency judgement. Engaging with a financial advisor or a legal professional can help borrowers navigate these options and make informed decisions.In conclusion, a deficiency judgement is a significant financial concept that borrowers should be aware of, especially in the context of foreclosure. Understanding what a deficiency judgement entails, its implications, and the legal framework surrounding it can empower borrowers to take proactive steps in managing their financial situations. By being informed, individuals can better protect themselves from the potential repercussions of a deficiency judgement and work towards a more secure financial future. Knowledge is power, and in the complex world of finance, it is essential to stay educated and prepared for any challenges that may arise.

在金融和房地产领域，理解各种术语对于做出明智的决策至关重要。其中一个在止赎过程中经常出现的术语是缺陷判决。当借款人违约其抵押贷款，并且该物业以低于未偿还贷款余额的价格在止赎拍卖中出售时，就会发生缺陷判决。这种情况使贷方面临财务短缺，因为他们无法收回借款人所欠的全额。因此，贷方可能会寻求对借款人进行缺陷判决以收回剩余余额。当贷方获得缺陷判决时，这意味着法院已裁定支持贷方，允许他们追索借款人未支付的金额。这一判决可能会对借款人的财务未来产生重大影响。它可能导致工资扣押、银行扣押或对借款人拥有的其他财产的留置权。因此，借款人必须了解缺陷判决的含义以及它如何影响他们的信用评分和整体财务健康。从法律角度来看，获得缺陷判决的过程因州而异。一些州允许贷方在止赎后自动追索缺陷判决，而其他州则要求贷方提起单独的诉讼。此外，一些州有反缺陷法，限制或禁止贷方在某些情况下（例如，当物业为主要居住地时）寻求缺陷判决。理解这些法律对贷方和借款人都至关重要，因为它们决定了各方的权利和责任。此外，面临止赎的借款人应考虑探索替代方案，以减轻缺陷判决的风险。诸如贷款修改、短售或以物易物的方式可以提供可行的解决方案，以避免与止赎和缺陷判决相关的负面后果。与财务顾问或法律专业人士接触可以帮助借款人导航这些选项并做出明智的决策。总之，缺陷判决是一个重要的财务概念，借款人应该意识到这一点，尤其是在止赎的背景下。理解缺陷判决的内容、影响以及围绕它的法律框架可以使借款人能够采取主动措施来管理其财务状况。通过了解，个人可以更好地保护自己免受缺陷判决潜在后果的影响，并朝着更安全的财务未来努力。知识就是力量，在复杂的金融世界中，保持教育和准备面对可能出现的任何挑战至关重要。