您在償還房貸時遇到困難嗎?

對於我們客戶的自住和淨值房屋貸款,建東銀行或許可以提供幫助。

如果你無力支付每月的貸款金額並希望避免房屋遭到拍賣,你可能有資格獲得貸款“重整”。我們會根據具體情況確定貸款“重整”的資格。重要的是,我們的貸款“重整”方案會考慮你財產的價值和你的負擔能力(根據你當前的收入)決定每月貸款金額。還款選項包括但不限於你的貸款的債務償還期的延展或修改。

如果你想與我們討論避免房屋遭到拍賣的選擇,請致電800-881-2686聯繫建東銀行消費者貸款部門。我們的工作時間是周一至週五上午9點至下午5點(太平洋標準時間)。

如果你在與我們的消費者貸款部門交談後決定繼續該流程,首先需要提供一份“貸款重整申請表”,其中說明了你所要求的幫助和為何落後於每月供款,以及你未來付款的能力,以及該物業是否有其他貸款。要完成申請表,請聯繫建東銀行消費者貸款部。填寫並通過傳真將貸款重整申請表返回415-398-8949,或填寫表格並通過[email protected]與我們聯繫以獲取安全的電子郵件說明。除此之外,你可能需要提供:

 完整的財務報表
 所有借款人最近一個月的工資單副本; 如果職業是自顧者,提供最近一年的所得稅申報表和當年初至今的損益表。
 如果房產中存在其他貸款(例如,第二抵押貸款或房屋淨值信貸額度),請提供貸方的當前貸款聲明副本以及原始貸款之後所作的任何付款安排的文件。
 銀行月結單
 房屋售賣協議的副本
 簽署4506T表格,以便我們與國稅局核實你的納稅申報表資料

當收到完整的財務資料後,建東銀行才可能推遲任何未決的止贖行動。如果未能提供所要求的信息你可能會喪失對任何止贖預防替代品的權利。經審核後如你的貸款重整資格不符合要求我們將以書面形式通知你。貸款重整審查並不代表著我們將批准止贖替代品。

你也可以撥打800-569-4287聯繫住房和城市發展部(HUD)尋找HUD認證的住房諮詢機構。其他信息可在HUD網站上獲得。

重要提示:出於安全和隱私原因,請勿向建東銀行發送電子郵件,包含個人或財務資料,如社會安全號碼,用戶名,密碼,帳號或信用卡號。如果你有任何問題或疑慮,請在周一至週五上午9點至下午5點(太平洋標準時間)致電800-881-2686與我們聯繫。

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