{"id":10473,"date":"2025-05-06T22:32:55","date_gmt":"2025-05-07T05:32:55","guid":{"rendered":"https:\/\/www.slyar.com\/blog\/?p=10473"},"modified":"2025-05-06T23:12:21","modified_gmt":"2025-05-07T06:12:21","slug":"california-non-recourse-loan-mortgage-foreclosure","status":"publish","type":"post","link":"http:\/\/www.slyar.com\/blog\/california-non-recourse-loan-mortgage-foreclosure.html","title":{"rendered":"\u88ab\u623f\u8d37\u538b\u57ae\u7684\u676d\u5dde\u7a0b\u5e8f\u5458\u4e0e\u7f8e\u56fd\u52a0\u5dde\u7684\u65e0\u8ffd\u7d22\u6743\u623f\u8d37\uff1a\u4f60\u5fc5\u987b\u4e86\u89e3\u7684\u65ad\u4f9b\u771f\u76f8"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u6587\u7ae0\u4f5c\u8005\uff1a<span style=\"color: #0000ff;\">\u59dc\u5357(Slyar) <\/span>\u6587\u7ae0\u6765\u6e90\uff1aSlyar Home (<a title=\"Slyar\" href=\"http:\/\/www.slyar.com\" target=\"_blank\" rel=\"noopener\">www.slyar.com<\/a>) \u8f6c\u8f7d\u8bf7\u6ce8\u660e\uff0c\u8c22\u8c22\u5408\u4f5c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u676d\u5dde\u65ad\u4f9b\u8005\u7684\u60b2\u5267<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u963f\u4f1f (\u5316\u540d) \u662f\u4e00\u4f4d\u66fe\u5728\u963f\u91cc\u5df4\u5df4\u5de5\u4f5c\u7684\u7a0b\u5e8f\u5458\u3002\u51e0\u5e74\u524d\uff0c\u4ed6\u5728\u676d\u5dde\u7528\u8d37\u6b3e\u8d2d\u4e70\u4e86\u4e00\u5957\u603b\u4ef7\u8d85\u8fc7800\u4e07\u5143\u4eba\u6c11\u5e01\u7684\u5546\u54c1\u623f\u3002\u90a3\u65f6\u7ecf\u6d4e\u5411\u597d\uff0c\u94f6\u884c\u5bf9\u201c\u4f18\u8d28\u5de5\u4f5c\u8005\u201d\u5ba1\u6279\u5bbd\u677e\uff0c\u963f\u4f1f\u51e0\u4e4e\u6ca1\u6709\u72b9\u8c6b\u5c31\u7b7e\u4e0b\u4e8630\u5e74\u7b49\u989d\u672c\u606f\u7684\u623f\u8d37\u5408\u540c\uff0c\u6bcf\u6708\u8fd8\u6b3e\u8d85\u8fc74\u4e07\u5143\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u968f\u7740\u7ecf\u6d4e\u4e0b\u884c\uff0c\u963f\u4f1f\u5728\u4e00\u8f6e\u88c1\u5458\u4e2d\u5931\u4e1a\u3002\u5931\u4e1a\u540e\u51e0\u4e2a\u6708\uff0c\u4ed6\u5c1d\u8bd5\u7528\u79ef\u84c4\u6491\u4f4f\uff0c\u4f46\u7ec8\u7a76\u65e0\u529b\u7ee7\u7eed\u8fd8\u6b3e\u3002\u4ed6\u88ab\u8feb\u201c\u65ad\u4f9b\u201d\uff0c\u4e5f\u5c31\u662f\u505c\u6b62\u8fd8\u8d37\u3002\u94f6\u884c\u8fc5\u901f\u542f\u52a8\u6cd5\u62cd\u7a0b\u5e8f\uff0c\u623f\u5b50\u88ab\u62cd\u5356\u3002\u4f46\u7531\u4e8e\u623f\u4ef7\u5df2\u4e0b\u8dcc\uff0c\u62cd\u5356\u4ef7\u683c\u8fdc\u4e0d\u8db3\u4ee5\u8986\u76d6\u5269\u4f59\u8d37\u6b3e\u4f59\u989d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u66f4\u4ee4\u4eba\u7edd\u671b\u7684\u662f\uff0c\u5728\u4e2d\u56fd\uff0c\u5373\u4fbf\u623f\u5c4b\u5df2\u7ecf\u6cd5\u62cd\uff0c\u539f\u623f\u4e3b\u4ecd\u8981\u5bf9\u672a\u507f\u8fd8\u7684\u8d37\u6b3e\u4f59\u989d\u627f\u62c5\u8d23\u4efb\u3002\u8fd9\u610f\u5473\u7740\u963f\u4f1f\u4e0d\u4ec5\u5931\u53bb\u4e86\u623f\u5b50\uff0c\u8fd8\u80cc\u8d1f\u4e86\u6570\u767e\u4e07\u7684\u503a\u52a1\u3002\u82e5\u62d2\u7edd\u507f\u8fd8\uff0c\u540e\u679c\u4e25\u91cd\uff1a\u4fe1\u7528\u53d7\u635f\u3001\u88ab\u5217\u5165\u5931\u4fe1\u4eba\u540d\u5355 (\u4fd7\u79f0\u201c\u8001\u8d56\u201d)\u3001\u65e0\u6cd5\u9ad8\u6d88\u8d39\u3001\u5750\u9ad8\u94c1\u98de\u673a\u53d7\u9650\uff0c\u751a\u81f3\u53ef\u80fd\u88ab\u5f3a\u5236\u6267\u884c\u4e2a\u4eba\u8d22\u4ea7\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7f8e\u56fd\u7684\u65ad\u4f9b\u653f\u7b56\uff1a\u65e0\u8ffd\u7d22\u6743\u8d37\u6b3e(Non-Recourse Loans)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u7f8e\u56fd\u4e00\u4e9b\u5dde\u7684\u623f\u8d37\u5236\u5ea6\u5bf9\u501f\u6b3e\u4eba\u66f4\u4e3a\u5bbd\u5bb9\uff0c\u5c24\u5176\u662f\u201c\u65e0\u8ffd\u7d22\u6743\u8d37\u6b3e\u201d(Non-Recourse Loans)\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u8fd9\u4e9b\u5dde\uff0c\u5982\u679c\u501f\u6b3e\u4eba\u65ad\u4f9b\uff0c\u94f6\u884c\u901a\u8fc7\u6cd5\u62cd\u6536 (foreclosure) \u56de\u623f\u4ea7\u540e\uff0c\u4e0d\u80fd\u8ffd\u8ba8\u623f\u8d37\u4f59\u989d\u7684\u5dee\u989d (deficiency)\u3002\u8fd9\u610f\u5473\u7740\uff0c\u623f\u4e3b\u6700\u591a\u5931\u53bb\u623f\u5b50\uff0c\u800c\u4e0d\u5fc5\u50cf\u963f\u4f1f\u90a3\u6837\u80cc\u8d1f\u5356\u623f\u4e0d\u591f\u8fd8\u8981\u5356\u8eab\u8fd8\u503a\u7684\u6c89\u91cd\u67b7\u9501\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u54ea\u4e9b\u5dde\u662f\u201c\u65e0\u8ffd\u7d22\u6743\u201d\u5929\u5802\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u7f8e\u56fd\u662f\u8054\u90a6\u5236\u56fd\u5bb6\uff0c\u623f\u5730\u4ea7\u6cd5\u5f8b\u7531\u5404\u5dde\u81ea\u884c\u5236\u5b9a\u3002\u7f8e\u56fd\u670912\u4e2a\u5dde\u5728\u8d37\u6b3e\u4e70\u623f\u65f6\uff0c\u6cd5\u5f8b\u5141\u8bb8\u6216\u4e3b\u8981\u4f7f\u7528\u65e0\u8ffd\u7d22\u6743\u8d37\u6b3e\u3002\u8fd9\u4e9b\u5dde\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u963f\u62c9\u65af\u52a0\u5dde (Alaska)<\/li>\n\n\n\n<li>\u4e9a\u5229\u6851\u90a3\u5dde (Arizona)<\/li>\n\n\n\n<li><strong>\u52a0\u5229\u798f\u5c3c\u4e9a\u5dde (California)<\/strong><\/li>\n\n\n\n<li>\u5eb7\u6d85\u72c4\u683c\u5dde (Connecticut)<\/li>\n\n\n\n<li>\u7231\u8fbe\u8377\u5dde (Idaho)<\/li>\n\n\n\n<li>\u660e\u5c3c\u82cf\u8fbe\u5dde (Minnesota)<\/li>\n\n\n\n<li>\u5317\u5361\u7f57\u6765\u7eb3\u5dde (North Carolina)<\/li>\n\n\n\n<li>\u5317\u8fbe\u79d1\u4ed6\u5dde (North Dakota)<\/li>\n\n\n\n<li>\u4fc4\u52d2\u5188\u5dde (Oregon)<\/li>\n\n\n\n<li>\u5fb7\u514b\u8428\u65af\u5dde (Texas)<\/li>\n\n\n\n<li>\u72b9\u4ed6\u5dde (Utah)<\/li>\n\n\n\n<li>\u534e\u76db\u987f\u5dde (Washington)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u4eab\u53d7\u65e0\u8ffd\u7d22\u6743\u8d37\u6b3e\u7684\u6761\u4ef6\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u4e2a\u5dde\u5bf9\u65e0\u8ffd\u7d22\u6743\u8d37\u6b3e\u7684\u5177\u4f53\u6761\u4ef6\u6709\u6240\u4e0d\u540c\uff0c\u4f46\u5e38\u89c1\u7684\u4e00\u4e9b\u6761\u4ef6\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8d2d\u623f\u8d37\u6b3e\uff1a<\/strong>&nbsp;\u5728\u8bb8\u591a\u5dde\uff0c\u65e0\u8ffd\u7d22\u6743\u4fdd\u62a4\u4e3b\u8981\u9002\u7528\u4e8e\u201c\u8d2d\u623f\u8d37\u6b3e\u201d (purchase money loan)\uff0c\u4e5f\u5c31\u662f\u6700\u521d\u4e3a\u4e86\u8d2d\u4e70\u623f\u4ea7\u800c\u83b7\u5f97\u7684\u8d37\u6b3e\u3002<\/li>\n\n\n\n<li><strong>\u4e3b\u8981\u4f4f\u6240\uff1a<\/strong>&nbsp;\u4e00\u4e9b\u5dde\uff0c\u6bd4\u5982\u52a0\u5229\u798f\u5c3c\u4e9a\u5dde\uff0c\u660e\u786e\u5c06\u8fd9\u79cd\u4fdd\u62a4\u6269\u5c55\u5230\u7528\u4e8e\u8d2d\u4e70\u501f\u6b3e\u4eba<strong>\u4e3b\u8981\u5c45\u4f4f\u623f\u4ea7<\/strong>\u7684\u8d37\u6b3e(\u901a\u5e38\u6700\u591a\u56db\u4e2a\u5355\u5143)\uff0c\u800c\u7528\u4e8e\u6295\u8d44\u7684\u623f\u4ea7\u88ab\u6392\u9664\u5728\u5916\u3002<\/li>\n\n\n\n<li><strong>\u975e\u53f8\u6cd5\u6b62\u8d4e\uff1a<\/strong>&nbsp;\u6b62\u8d4e\u7684\u65b9\u5f0f\u4e5f\u53ef\u80fd\u662f\u4e00\u4e2a\u56e0\u7d20\u3002\u5728\u52a0\u5229\u798f\u5c3c\u4e9a\u5dde\u7b49\u5dde\uff0c\u5982\u679c\u8d37\u6b3e\u4eba\u9009\u62e9\u975e\u53f8\u6cd5\u6b62\u8d4e (\u4e0d\u901a\u8fc7\u6cd5\u9662\u7cfb\u7edf)\uff0c\u5373\u4f7f\u8d37\u6b3e\u672c\u8eab\u53ef\u80fd\u662f\u6709\u8ffd\u7d22\u6743\u7684\uff0c\u4ed6\u4eec\u901a\u5e38\u4e5f\u4e0d\u80fd\u5bfb\u6c42\u4e0d\u8db3\u989d\u5224\u51b3\u3002<\/li>\n\n\n\n<li><strong>\u518d\u878d\u8d44\u548c\u623f\u5c4b\u51c0\u503c\u8d37\u6b3e\uff1a<\/strong>&nbsp;\u4e00\u822c\u6765\u8bf4\uff0c\u5728\u6700\u521d\u8d2d\u4e70\u623f\u4ea7\u540e\u8fdb\u884c\u7684\u518d\u878d\u8d44\u6216\u623f\u5c4b\u51c0\u503c\u4fe1\u8d37\u989d\u5ea6 (HELOC)\u901a\u5e38\u4e0d\u88ab\u8ba4\u4e3a\u662f\u8d2d\u623f\u8d37\u6b3e\uff0c\u53ef\u80fd\u4e0d\u5c5e\u4e8e\u65e0\u8ffd\u7d22\u6743\u8d37\u6b3e\u3002\u501f\u6b3e\u4eba\u8fdb\u884c\u518d\u878d\u8d44\u53ef\u80fd\u4f1a\u5931\u53bb\u4ed6\u4eec\u539f\u59cb\u8d37\u6b3e\u6240\u4eab\u6709\u7684\u65e0\u8ffd\u7d22\u6743\u4fdd\u62a4\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u52a0\u5dde\u7684\u65ad\u4f9b\u4fdd\u62a4\u653f\u7b56\u8be6\u89e3<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=CCP&amp;sectionNum=580b.\" target=\"_blank\" rel=\"noopener nofollow sponsored\" title=\"\">\u52a0\u5dde\u6c11\u6cd5\u7b2c580\u6761(California Code of Civil Procedure \u00a7 580b)<\/a>\u662f\u5173\u4e8e\u65e0\u8ffd\u7d22\u6743\u8d37\u6b3e (non-recourse loans)\u7684\u91cd\u8981\u6cd5\u5f8b\u6761\u6b3e\uff0c\u5b83\u4e3b\u8981\u4fdd\u62a4\u5bf9\u4e8e\u7528\u4e8e\u8d2d\u4e70\u4e00\u5230\u56db\u6237\u7684\u4f4f\u5b85\u5355\u4f4d (\u4f8b\u5982\u72ec\u680b\u3001\u8054\u6392\u3001\u5171\u7ba1\u516c\u5bd3\u7b49)\u7684\u8d37\u6b3e\uff0c\u5982\u679c\u8be5\u8d37\u6b3e\u662f\u7528\u4e8e\u8d2d\u4e70\u8be5\u623f\u4ea7\u7684\u9996\u7b14\u8d37\u6b3e (purchase money loan)\uff0c\u800c\u4e14\u623f\u4e3b\u81ea\u4f4f\uff0c\u5728\u53d1\u751f\u6cd5\u62cd\u540e\u4e0d\u518d\u88ab\u8ffd\u8ba8\u5269\u4f59\u8d37\u6b3e\u5dee\u989d (\u5373\u201cdeficiency\u201d)\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8bf4\uff0c\u5982\u679c\u4f60\u662f\u8d37\u6b3e\u4e70\u623f (\u800c\u4e0d\u662f\u79df\u623f\u6216\u6295\u8d44\u623f)\uff0c\u4f60\u65ad\u4f9b\u4e86\uff0c\u623f\u5b50\u88ab\u6cd5\u62cd\u5356\u6389\uff0c\u94f6\u884c\u6536\u4e0d\u56de\u5168\u90e8\u8d37\u6b3e\u4e5f\u4e0d\u80fd\u8ffd\u4f60\u5269\u4e0b\u7684\u94b1\u3002\u4f46\u8fd9\u4e2a\u4fdd\u62a4\u4ec5\u9002\u7528\u4e8e\u539f\u59cb\u8d2d\u623f\u8d37\u6b3e (purchase money loan)\uff0c\u4e0d\u5305\u62ec\u4e4b\u540e\u7684\u518d\u878d\u8d44 (refinance) \u6216\u4e8c\u6b21\u62b5\u62bc (home equity loan)\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3e\u4e2a\u4f8b\u5b50\uff1a\u4f60\u7528\u4e00\u7b14\u8d37\u6b3e\u4e70\u4e86\u4e00\u5957\u81ea\u4f4f\u623f\uff0c\u623f\u4ef7 300 \u4e07\u7f8e\u5143\uff0c\u8d37\u6b3e 240 \u4e07\u7f8e\u5143\u3002\u51e0\u5e74\u540e\u623f\u4ef7\u4e0b\u8dcc\u5230 150 \u4e07\u7f8e\u5143\uff0c\u4f60\u65ad\u4f9b\u540e\u623f\u5b50\u88ab\u62cd\u5356\u53ea\u5356\u51fa 150 \u4e07\u3002\u6839\u636e \u00a7580b\uff0c\u94f6\u884c\u4e0d\u80fd\u518d\u8ffd\u8ba8\u5269\u4e0b\u7684\u5c06\u8fd1 (\u4f60\u53ef\u80fd\u8fd8\u4e86\u4e00\u70b9\u70b9\u672c\u91d1) 90 \u4e07\u7f8e\u5143\u5dee\u989d\uff0c\u4f60\u4e5f\u4e0d\u4f1a\u56e0\u4e3a\u8fd9\u4e2a\u5dee\u989d\u88ab\u8d77\u8bc9\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u60c5\u51b5\u4e0b\u53d8\u6210\u201c\u6709\u8ffd\u7d22\u6743\u8d37\u6b3e\u201d\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Refinance (\u91cd\u65b0\u8d37\u6b3e)<\/strong>\uff1a\u5f53\u4f60\u5c06\u539f\u8d37\u6b3e\u7528\u65b0\u8d37\u6b3e\u66ff\u6362 (\u6bd4\u5982\u4e3a\u4e86\u66f4\u4f4e\u5229\u7387)\uff0c\u8d37\u6b3e\u6027\u8d28\u5c31\u6539\u53d8\u4e86\u3002\u9664\u975e\u7279\u4f8b\uff0c\u65b0\u8d37\u6b3e\u901a\u5e38\u662f\u201c\u6709\u8ffd\u7d22\u6743\u201d\u7684 (recourse loan)\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cash-out refinance<\/strong> \u6216 <strong>HELOC (\u4e8c\u6b21\u8d37\u6b3e)<\/strong>\uff1a\u5982\u679c\u4ece\u623f\u5b50\u91cc\u63d0\u53d6\u73b0\u91d1\uff0c\u8fd9\u90e8\u5206\u8d37\u6b3e\u4e5f\u5f80\u5f80\u662f\u6709\u8ffd\u7d22\u6743\u7684\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u65ad\u4f9b\u540e\u679c (Recourse Loan \u7684\u98ce\u9669)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u8d37\u6b3e\u662f\u6709\u8ffd\u7d22\u6743\u7684\uff0c\u65ad\u4f9b\u540e\u53ef\u80fd\u9762\u4e34\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Deficiency Judgment<\/strong>\uff1a\u94f6\u884c\u53ef\u4ee5\u8d77\u8bc9\u4f60\uff0c\u8981\u6c42\u6cd5\u9662\u5224\u51b3\u4f60\u652f\u4ed8\u5269\u4e0b\u7684\u6b20\u6b3e\uff1b<\/li>\n\n\n\n<li><strong>\u67e5\u5c01\u5176\u4ed6\u8d22\u4ea7<\/strong>\uff1a\u5305\u62ec\u5de5\u8d44\u3001\u5b58\u6b3e\u3001\u6c7d\u8f66\u7b49\uff1b<\/li>\n\n\n\n<li><strong>\u4fe1\u7528\u53d7\u635f<\/strong>\uff1a\u5f71\u54cd\u672a\u6765\u7533\u8bf7\u8d37\u6b3e\u3001\u4fe1\u7528\u5361\u3001\u751a\u81f3\u79df\u623f\uff1b<\/li>\n\n\n\n<li><strong>\u6cd5\u5f8b\u8d39\u7528<\/strong>\uff1a\u88ab\u8ffd\u8ba8\u65f6\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u989d\u5916\u7684\u5f8b\u5e08\u8d39\u548c\u5229\u606f\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Senate Bill 1069\uff1a\u52a0\u5dde\u7684\u8d2d\u623f\u8005\u4fdd\u62a4\u4f1e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4e86\u89e3\u51b3 refinance \u540e\u623f\u4e3b\u5931\u53bb\u65e0\u8ffd\u7d22\u6743\u4fdd\u62a4\u7684\u95ee\u9898\uff0c\u52a0\u5dde\u57282011\u5e74\u901a\u8fc7\u4e86 <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billTextClient.xhtml?bill_id=201520160SB1069\" target=\"_blank\" rel=\"noopener nofollow sponsored\" title=\"\">Senate Bill 1069<\/a>\uff0c\u5f3a\u5316\u4e86\u5bf9\u623f\u4e3b\u7684\u4fdd\u62a4\u3002\u8fd9\u9879\u6cd5\u5f8b\u89c4\u5b9a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5bf9\u4e8e owner-occupied dwellings (\u81ea\u4f4f\u4f4f\u5b85) \u8fdb\u884c\u975e\u73b0\u91d1\u63d0\u53d6\u7684 refinance\uff0c\u4ecd\u53ef\u4eab\u53d7\u65e0\u8ffd\u7d22\u6743\u4fdd\u62a4\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bf4\u4eba\u8bdd\u5c31\u662f\uff1a\u5982\u679c\u4f60\u53ea\u662f\u4e3a\u4e86\u6362\u66f4\u4f4e\u5229\u7387\u6216\u66f4\u597d\u6761\u6b3e\u800c refinance\uff0c\u6ca1\u6709\u591a\u501f\u94b1\uff0c\u4e5f\u6ca1\u6709\u53d8\u6210\u6295\u8d44\u623f\uff0c\u6cd5\u5f8b\u89c6\u4e3a\u201c\u7b49\u4ef7\u4ea4\u6362\u201d\uff0c\u7ee7\u7eed\u4fdd\u62a4\u4f60\u3002\u4f46\u5982\u679c\u4f60\u5728 refinance \u65f6\u63d0\u53d6\u4e86\u73b0\u91d1 (cash-out)\uff0c\u6216\u8005\u505a\u4e86 HELOC\uff0c\u90a3\u8fd9\u90e8\u5206\u65b0\u8d37\u6b3e\u5c06\u5931\u53bb\u4fdd\u62a4\uff0c\u53d8\u4e3a\u6709\u8ffd\u7d22\u6743\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u5224\u65ad\u4f60\u7684\u8d37\u6b3e\u662f\u5426\u662f\u65e0\u8ffd\u7d22\u6743\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u67e5\u9605\u4f60\u7684 Closing Disclosure (\u8d37\u6b3e\u6210\u4ea4\u62ab\u9732\u6587\u4ef6)\uff0c\u627e\u5230\"<strong>Liability after Foreclosure\"<\/strong>\u3002\u5982\u679c\u4f60\u7684\u6587\u4ef6\u4e2d\u660e\u786e\u63d0\u5230\u5dde\u6cd5\u4fdd\u62a4\u4f60\uff0c\u8bf4\u660e\u4f60\u5f53\u524d\u8d37\u6b3e\u662f\u65e0\u8ffd\u7d22\u6743 (non-recourse)\uff0c\u5426\u5219\u5c31\u662f\u6709\u8ffd\u7d22\u6743 (recourse)\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1206\" height=\"1485\" src=\"http:\/\/www.slyar.com\/blog\/wp-content\/uploads\/2025\/05\/IMG_5637.jpg\" alt=\"\" class=\"wp-image-10474\" srcset=\"http:\/\/www.slyar.com\/blog\/wp-content\/uploads\/2025\/05\/IMG_5637.jpg 1206w, http:\/\/www.slyar.com\/blog\/wp-content\/uploads\/2025\/05\/IMG_5637-244x300.jpg 244w, http:\/\/www.slyar.com\/blog\/wp-content\/uploads\/2025\/05\/IMG_5637-122x150.jpg 122w, http:\/\/www.slyar.com\/blog\/wp-content\/uploads\/2025\/05\/IMG_5637-768x946.jpg 768w\" sizes=\"auto, (max-width: 1206px) 100vw, 1206px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u7ed9\u8d37\u6b3e\u8d2d\u623f\u8005\u7684\u5efa\u8bae<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u518d\u878d\u8d44\u524d\u4e00\u5b9a\u8981\u786e\u8ba4\u65b0\u8d37\u6b3e\u7684\u6027\u8d28<\/strong>\uff1a\u662f\u5426\u4ecd\u4e3a non-recourse\uff1f\u8981\u6c42\u8d37\u6b3e\u673a\u6784\u63d0\u4f9b<strong>\u4e66\u9762\u786e\u8ba4<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5ba1\u67e5\u5408\u540c\u4e2d\u7684\u201cLiability after Foreclosure\u201d\u6761\u6b3e<\/strong>\uff1a\u52a1\u5fc5\u7406\u89e3\u81ea\u5df1\u5728 worst-case scenario \u4e0b\u7684\u6cd5\u5f8b\u8d23\u4efb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5982\u679c\u4f60\u8d2d\u4e70\u7684\u662f\u9996\u5957\u81ea\u4f4f\u623f<\/strong>\uff0c\u5728\u9677\u5165\u8fd8\u8d37\u56f0\u96be\u65f6\uff0c<strong>\u4f18\u5148\u7533\u8bf7 loan modification (\u8d37\u6b3e\u8c03\u6574)<\/strong>\uff0c\u907f\u514d refinance \u540e\u4e27\u5931\u4fdd\u62a4\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u54a8\u8be2\u4e13\u4e1a\u5f8b\u5e08<\/strong>\uff1a\u6cd5\u5f8b\u53d8\u5316\u9891\u7e41\uff0c\u52a1\u5fc5\u5728\u5173\u952e\u51b3\u7b56\u524d\u83b7\u5f97\u4e13\u4e1a\u610f\u89c1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e0d\u505a\u76f2\u76ee cash-out<\/strong>\uff1a\u8f7b\u6613\u63d0\u53d6\u623f\u4ea7\u51c0\u503c\u4f1a\u524a\u5f31\u4f60\u5728\u6cd5\u5f8b\u4e0a\u7684\u4fdd\u62a4\u80fd\u529b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6700\u540e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u65ad\u4f9b\u5e76\u4e0d\u53ef\u803b\uff0c\u4f46\u4ee3\u4ef7\u53ef\u80fd\u5de8\u5927\u3002\u4e0d\u540c\u56fd\u5bb6\u7684\u6cd5\u5f8b\u5bf9\u8d2d\u623f\u8005\u4fdd\u62a4\u529b\u5ea6\u4e0d\u4e00\u3002\u5728\u4e2d\u56fd\uff0c\u65ad\u4f9b\u8005\u5982\u963f\u4f1f\u53ef\u80fd\u9762\u4e34\u201c\u623f\u8d22\u4e24\u5931\u201d\u7684\u5904\u5883\uff1b\u800c\u5728\u7f8e\u56fd\u52a0\u5dde\uff0c\u6cd5\u5f8b\u5728\u67d0\u4e9b\u6761\u4ef6\u4e0b\u4e3a\u8d2d\u623f\u8005\u63d0\u4f9b\u4e86\u6700\u540e\u7684\u201c\u907f\u98ce\u6e2f\u201d\u3002\u4e86\u89e3\u4f60\u6240\u62e5\u6709\u7684\u6743\u5229\uff0c\u624d\u80fd\u5728\u98ce\u66b4\u6765\u4e34\u65f6\u7ad9\u7a33\u811a\u8ddf\u3002<\/p>\n<p>\u8f6c\u8f7d\u8bf7\u6ce8\u660e\uff1a<a href=\"http:\/\/www.slyar.com\/blog\">Slyar Home<\/a> &raquo; <a href=\"http:\/\/www.slyar.com\/blog\/california-non-recourse-loan-mortgage-foreclosure.html\">\u88ab\u623f\u8d37\u538b\u57ae\u7684\u676d\u5dde\u7a0b\u5e8f\u5458\u4e0e\u7f8e\u56fd\u52a0\u5dde\u7684\u65e0\u8ffd\u7d22\u6743\u623f\u8d37\uff1a\u4f60\u5fc5\u987b\u4e86\u89e3\u7684\u65ad\u4f9b\u771f\u76f8<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u6587\u7ae0\u4f5c\u8005\uff1a\u59dc\u5357(Slyar) \u6587\u7ae0\u6765\u6e90\uff1aSlyar Home (www.slyar.com) \u8f6c\u8f7d\u8bf7\u6ce8\u660e\uff0c\u8c22\u8c22\u5408\u4f5c\u3002 \u676d\u5dde\u65ad\u4f9b\u8005\u7684\u60b2\u5267 \u963f\u4f1f (\u5316\u540d) \u662f\u4e00\u4f4d\u66fe\u5728\u963f\u91cc\u5df4\u5df4\u5de5\u4f5c\u7684\u7a0b\u5e8f\u5458\u3002\u51e0\u5e74\u524d\uff0c\u4ed6\u5728\u676d\u5dde\u7528\u8d37\u6b3e\u8d2d\u4e70\u4e86\u4e00\u5957\u603b\u4ef7\u8d85\u8fc7800\u4e07\u5143\u4eba\u6c11\u5e01\u7684\u5546\u54c1\u623f\u3002 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1105],"tags":[897,1100,1208,1209,1206,1207],"class_list":["post-10473","post","type-post","status-publish","format-standard","hentry","category-get-rich","tag-897","tag-1100","tag-1208","tag-1209","tag-1206","tag-1207"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.2.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"\u6587\u7ae0\u4f5c\u8005\uff1a\u59dc\u5357(Slyar) \u6587\u7ae0\u6765\u6e90\uff1aSlyar Home (www.slyar.com) \u8f6c\u8f7d\u8bf7\u6ce8\u660e\uff0c\u8c22\u8c22\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Slyar\"\/>\n\t<link rel=\"canonical\" href=\"http:\/\/www.slyar.com\/blog\/california-non-recourse-loan-mortgage-foreclosure.html\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO 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