Skip to main content

退出寬限期

English | Español | Tiếng Việt | 한국어 | Tagalog | اَلْعَرَبِيَّةُ

退出抵押貸款寬限期需要制定計劃。瞭解您的選擇,獲得專家幫助,並找到適合您的選擇。



瞭解您的還款選擇

在您的抵押貸款寬限期終止之前,您應該聯繫您的貸款服務機構,制定下一步計劃。他們將與您一起討論以何種方式償還寬限金額

本視頻解釋可向借款人提供的退出寬限期的常見選擇。如果您只聽說過一次性還款計劃,請詢問其他選擇。

[Beginning of video.]

There are a number of options for repaying forbearance, but which options are available to you may depend on who owns or backs your mortgage, your mortgage servicer, and your particular situation. There's no one-size-fits-all for options. For instance, if you have a federally backed mortgage, which is a loan from Fannie Mae, Freddie Mac, FHA, VA, or USDA, your servicer cannot require you to pay back your forbearance as a lump sum. Many servicers for non-federally backed mortgages also do not require lump sum repayments but some may, so if you only hear about a lump sum repayment ask about other options.

There are four common ways to repay the money due from your forbearance. The first option is sometimes called a repayment plan. This can be a good option if you can make your regular mortgage payment plus some extra. It adds the amount unpaid during the forbearance to your regular monthly payments over a certain period of time. Let's say your servicer offers you a forbearance where you can pause your mortgage payments for three months, and your regular mortgage payment is $1,000 each month. So the payments you missed during your forbearance add up to $3,000. Suppose your servicer offers you one year to make up the $3,000 that was unpaid due to the forbearance. Doing the math, that comes to $250 added to your regular mortgage payment each month for one year. So your total mortgage payment would be $1,250 until you make up the skipped payments. After you've repaid the payments you skipped, your monthly payments would return to the normal $1,000.

Another option is sometimes called payment deferral. That's when you wait to make up your unpaid forbearance amounts until the end of the term of your loan or when you sell or refinance your home. This option can be useful if you can keep making your regular payment but can't pay any extra. If you receive a payment deferral, you don't need to make up the payments you are allowed to pause or reduce during forbearance until the end of your loan. At the end of the loan, your servicer may require you to repay the skipped payments all at once from the proceeds of the sale or through refinance. Let's say you sell your house in 10 years—in that case, you would pay off the forbearance then.

Another option is sometimes called a loan modification. That's when you work with your servicer to change the terms of your loan to accommodate the missed forbearance payments. A modification might be right for you if you can no longer afford your regular mortgage payment because of a permanent change in your situation, such as long-term job loss. A loan modification would be, for example, if the servicer adds the missed payments to your entire loan balance, then recalculates your monthly payment, adjusting your loan term to bring your monthly payments to an affordable level. So instead of having 20 years until your mortgage is paid off, you might have 22 years to pay off your new loan balance. As you can see, your monthly payments may be lower, but it could take longer to pay off your loan, and you might have to pay more interest over the life of your loan.

The final typical option is the lump sum payment. It's just how it sounds—as soon as your forbearance period ends you repay all of your missed payments in one payment. So, let's say your servicer offers you forbearance to pause your mortgage payment for three months. With a lump sum repayment agreement, in month four, you pay your normal mortgage payment plus the payments you paused. So, if your mortgage payment is $1,000 a month, in month four when your forbearance ends, you will pay $4,000. [That’s] $1,000 for your normal monthly payment and $3,000 to repay the payments you skipped. After that, your monthly payment will go back to the normal amount. If you have the money to make the lump sum payment this can be a simple option for getting back on track. However, many borrowers may not be able to afford the higher payment. If that's the case for you, ask your servicer about other options. Remember, if you have a federally backed mortgage you will not be required to pay your forbearance payments back in the lump sum.

Those are a lot of options, but not all may be available to you. It's important to work with your servicer to understand the process, consider your next steps, and understand the best option for your circumstance. For help talking to your mortgage servicer, or understanding your options, or if you are worried about foreclosure, contact a HUD-approved housing counseling agency in your area.

[End of video.]


在退出寬限期時瞭解您的選擇

通常,借款人可以透過幾種方式補交漏過的付款。但是,還款方式可能因您的貸款不同而異。並非所有借款人都有資格利用所有選擇。請詢問您的貸款服務機構,您可以有哪些選擇。如果您擔心失去住房,請聯繫住房與城市發展部(HUD)批准的住房諮詢機構。他們可以幫助您找到您的選擇,並在您填寫表格以及與您的貸款服務機構合作的過程中提供指導。請查找您附近的住房顧問

請記住,您可以免費獲得幫助。您無需向任何人付費幫助您避免喪失抵押品贖回權。

還款計劃

如果您符合以下條件,這種選擇可能對您適用:

您可以在幾個月內支付比定期抵押貸款還款更多的費用。

如何運作

您的部分欠款額將添加到您每月支付的金額中。

觀看解釋這種選擇的視頻

如果您符合以下條件,這種選擇可能對您適用:

您可以恢復定期付款,但不能增加付款額。

如何運作

這些選擇要麽將您漏過的付款轉到貸款終止時,要麽將它們放入僅在您再融資、出售住房或終止抵押貸款時才需要償還的次級留置權中。

觀看解釋這種選擇的視頻

如果您符合以下條件,這種選擇可能對您適用:

您無力再支付定期抵押貸款。

如何運作

您的付款額可以減少到負擔得起的金額,您漏過的付款將添加到您的欠款中。您的每月還款額也可能較低,但還清貸款可能需要更長的時間。

觀看解釋這種選擇的視頻

如果您符合以下條件,這種選擇可能對您適用:

您希望一次性償還所有漏過的付款。

如何運作

對於大多數貸款,貸款服務機構不能要求您一次性還款。因此,如果您只聽說过一次性還款,請詢問其他選擇。

觀看解釋這種選擇的視頻

還款方式因機構不同而異

與聯邦機構、房利美或房地美之間的抵押贷款寬限期可能不同一样,償還寬容期暫停的金額也是如此。以下資訊提供了每個機構提供的一些具體還款選擇。

擁有房利美房地美持有或擔保抵押貸款的房主可能有資格獲得不同的還款選擇。房利美和房地美不要求在寬限期終止時一次性還款。

  • 如果您無法一次性全部償還漏過的付款,但有能力在一段時間內支付更高的每月抵押貸款金額,您可能有資格參加還款計劃,該計劃允許您在一段時間內償還逾期未付的款項。
  • 如果您有能力恢復每月定期抵押貸款付款,您可能有資格申請延遲付款,這會將您漏過的抵押貸款付款轉為在您的住房出售或再融資時或貸款終止時到期的付款。
  • 如果您的收入持續減少,並且無法支付您的每月定期抵押貸款付款,您可能有資格獲得貸款修改,從而改變您的貸款期限,以便您能負擔得起付款。

貸款服務機構將在您的寬限計劃終止前大約30天與您聯繫,以便確定當時哪項援助計劃最適合您。與您的貸款服務機構合作,確定您有資格獲得哪項選擇。

HUD/FHA不要求在寬限期終止時一次性還款。接受特殊新冠病毒疫情寬限的房主將首先由其貸款服務機構評估是否在寬限期終止前有資格參加FHA的新冠病毒恢復獨立部分索賠住房保留計劃。新冠病毒恢復獨立部分索賠計劃適用於今後能夠恢復支付當前每月抵押貸款的房主。

新冠病毒恢復獨立部分索賠計劃將您欠付的款項放入次級留置權中,僅在您為抵押貸款再融資、出售住房或因其他原因抵押貸款終止時才償還。該留置權不生成利息。

如果您無法繼續支付現有的每月抵押貸款,FHA擔保的抵押貸款服務機構將對您進行新冠病毒恢復修改評估。新冠病毒恢復修改按照固定利率將抵押貸款期限延長至360個月,旨在減少每月抵押貸款付款的每月本金和利息金額。

如需瞭解有關聯邦住房管理局抵押貸款的更多資訊:answers@hud.gov,電話:1-800-CALL-FHA (1-800-225-5342),或查看HUD向房主提供的資訊

美國農業部農村住房服務署不要求在寬限期終止時一次性還款。

如果您能夠恢復定期還款,您的貸款服務機構或貸款公司應該提供可負擔的還款計劃或延長還款期限,將任何漏過的付款推遲到貸款終止。如果您無法恢復定期付款,您的貸款服務機構或貸款公司應評估可向您提供的所有減輕損失的選擇。

寬限期終止後,貸款公司應與借款人溝通,確定借款人是否能夠恢復正常合約付款。如果可以,貸款公司應向借款人提供書面還款計劃,償還任何到期款項,或者應借款人的請求,至少將貸款期限延長至寬限期的長度。

請查閲美國農業部農業發展署新冠病毒疫情網站 ,瞭解有關美國農業部擔保貸款寬限期的更多資訊。

VA貸款 貸款服務機構不能要求借款人在借款人退出《新冠病毒疫情援助、救濟和經濟安全法案》(簡稱《CARES法案》)寬限期後立即一次性還款。

VA有一整套減輕損失的選擇,例如還款計劃和貸款修改,幫助借款人償還根據《CARES法案》寬限期漏過的付款。此外,VA正在繼續評估其他選擇,以便進一步幫助受新冠病毒疫情國家緊急情況影響的借款人。

美洲原住民直接貸款(NADL)由BSI Financial Services管理。NADL借款人可撥打電話 800-327-7861,或發電子郵件至 customercare@bsifinancial.com,聯繫BSI違約解決方案團隊,申請寬限計劃。

如需瞭解更多資訊,請查閲VA網站 ,您可以在該網站上查看《CARES法案》常見問題解答。此外,您還可以撥打電話號碼 (877) 827-3702,與VA地區貸款中心聯繋。

請諮詢您的貸款服務機構,瞭解他們提供的寬限還款選擇。您可以透過查看貸款公司和貸款服務機構的網站,瞭解更多詳細資訊,找到有關寬限計劃的資訊。由於貸款不受聯邦擔保,請務必詢問可能適用您的貸款償還的限制、選擇和費用。

獲得專家幫助

向住房顧問諮詢

如需獲得與您的抵押貸款服務機構交談或瞭解您的選擇的幫助,請聯繫您所在地區的HUD批准的住房諮詢機構。住房顧問可以制定量身定制的行動計劃,幫助您與您的抵押貸款公司合作,您無需支付任何費用。

向律師諮詢

如果您需要律師,可能有資源可以幫助您,您可能有資格透過法律援助獲得免費法律服務。如果您是軍人,則應諮詢當地法律援助辦公室

提交投訴

如果您想要對您的抵押貸款或寬限計劃提出投訴,請告訴我們您的問題 — 我們會將您的投訴轉給公司,並努力幫助您得到答復,通常會在15天內得到答復。