short sale

简明释义

卖空

英英释义

例句

1.Before making a short sale, it's crucial to analyze market trends carefully.

在进行卖空交易之前，仔细分析市场趋势是至关重要的。

2.Many traders use short sales as a strategy to hedge against potential losses.

许多交易者将卖空交易作为对冲潜在损失的一种策略。

3.The investor decided to execute a short sale to profit from the declining stock prices.

投资者决定进行一次卖空交易以从下跌的股价中获利。

4.He lost money on his short sale when the stock unexpectedly rose.

当股票意外上涨时，他在卖空交易中亏了钱。

5.A short sale can be risky if the market moves against you.

如果市场走势对你不利，卖空交易可能会很危险。

作文

In the world of finance and real estate, the term short sale refers to a specific type of transaction where a homeowner sells their property for less than the amount owed on the mortgage. This situation often arises when homeowners find themselves in financial distress, unable to keep up with their mortgage payments. The short sale process can be complex, requiring approval from the lender, who must agree to accept a reduced payoff on the loan. To understand the implications of a short sale, it is essential to grasp the conditions that lead to such a decision. Economic downturns, job loss, medical emergencies, or other unforeseen circumstances can force homeowners into a position where they owe more on their home than it is worth in the current market. In these cases, a short sale can provide a viable solution, allowing the homeowner to avoid foreclosure, which can have devastating long-term effects on their credit score and financial future.The process of executing a short sale begins with the homeowner listing their property at a price that reflects its current market value, which is typically lower than the outstanding mortgage balance. Once an offer is received, the homeowner must submit a request to their lender for approval of the short sale. This request usually includes documentation of the homeowner's financial situation, such as income statements and a hardship letter explaining the reasons for selling the property at a loss.Lenders are often willing to consider short sales because they can be less costly than foreclosures. A foreclosure involves legal proceedings, maintenance costs, and the potential for a lengthy selling process once the bank takes ownership of the property. By approving a short sale, lenders can recover some of their losses while providing relief to struggling homeowners. However, there are risks associated with short sales that both buyers and sellers should be aware of. For buyers, purchasing a property through a short sale can be a lengthy and uncertain process. It may take weeks or even months to receive approval from the lender, during which time the buyer's situation may change. Additionally, there is no guarantee that the lender will accept the offer, which can lead to frustration and delays. For sellers, while a short sale can help them avoid foreclosure, it may still impact their credit score. Although a short sale is generally less damaging than a foreclosure, it can still result in a significant decrease in creditworthiness. Furthermore, sellers may be held liable for the remaining balance on the mortgage, known as a deficiency judgment, unless they negotiate a waiver with the lender. In conclusion, a short sale can be a beneficial option for homeowners facing financial difficulties, providing a way to sell their property without the severe consequences of foreclosure. However, it is crucial for both buyers and sellers to understand the complexities and potential drawbacks involved in this process. Consulting with real estate professionals and financial advisors can help navigate the intricacies of a short sale, ensuring that all parties make informed decisions that align with their best interests.

在金融和房地产领域，短语short sale指的是一种特定类型的交易，其中房主以低于抵押贷款余额的价格出售其财产。这种情况通常发生在房主面临财务困境，无法继续支付抵押贷款时。short sale过程可能很复杂，需要获得贷方的批准，贷方必须同意接受减少的贷款偿还。要理解short sale的影响，必须掌握导致这种决定的条件。经济衰退、失业、医疗紧急情况或其他不可预见的情况可能迫使房主处于欠债比房屋当前市场价值更高的状况。在这些情况下，short sale可以提供可行的解决方案，使房主避免止赎，这对他们的信用评分和财务未来可能产生毁灭性的长期影响。执行short sale的过程始于房主以反映其当前市场价值的价格列出其财产，该价格通常低于未偿还的抵押贷款余额。一旦收到报价，房主必须向其贷方提交请求，以获得short sale的批准。此请求通常包括房主财务状况的文件，例如收入报表和解释以损失的价格出售财产原因的困难信。贷方通常愿意考虑short sale，因为与止赎相比，它们可能成本更低。止赎涉及法律程序、维护费用以及银行接管财产后可能需要的漫长销售过程。通过批准short sale，贷方可以回收部分损失，同时为陷入困境的房主提供救济。然而，买卖双方在进行short sale时应注意一些风险。对于买家来说，通过short sale购买财产可能是一个漫长而不确定的过程。获得贷方批准可能需要数周甚至数月，在此期间，买家的情况可能会发生变化。此外，贷方没有保证会接受报价，这可能导致挫折和延误。对于卖家来说，虽然short sale可以帮助他们避免止赎，但仍可能影响他们的信用评分。尽管short sale通常对信用的伤害小于止赎，但仍可能导致信用worthiness显著下降。此外，除非卖家与贷方协商放弃，否则卖家可能仍需承担抵押贷款的剩余余额，即缺口判决。总之，short sale可以成为面临财务困难的房主的有利选择，提供了一种以避免止赎的严重后果而出售其财产的方式。然而，买卖双方都必须了解此过程中的复杂性和潜在缺点。咨询房地产专业人士和财务顾问可以帮助导航short sale的复杂性，确保所有各方做出符合自身最佳利益的明智决策。