A deed in lieu of foreclosure is a deed instrument in which a mortgagor (i.e. the borrower) conveys all interest in a real property to the mortgagee (i.e. the lender) to satisfy a loan that is in default and avoid foreclosure proceedings. If there are any junior liens a deed in lieu is a less attractive option for the lender. The lender will likely not want to assume the liability of the junior liens from the property owner, and accordingly, the lender will prefer to foreclose in order to clean the title.
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| - Deed in lieu of foreclosure (en)
- Deed in lieu of foreclosure (in)
- 代替没收契据 (zh)
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| - Deed in lieu of foreclosure adalah tindakan hukum di mana mortgagor memberikan sejumlah properti pada mortgagee untuk melunasi suatu hutang dan menghindari tindakan foreclosure. Hal ini memberi keuntungan bagi kedua pihak. Bagi mortgagor keuntungannya adalah ia dapat membayar sebagian besar atau seluruh hutangnya. Keuntungan bagi mortgagee adalah biaya yang lebih rendah dalam proses hukum. Syarat agar disebut deed in lieu of foreclosure adalah mortgagor melakukan hal ini secara sukarela. Karena itu biasanya mortgagee membutuhkan pernyataan tertulis dari mortgagor mengenai hal ini. (in)
- A deed in lieu of foreclosure is a deed instrument in which a mortgagor (i.e. the borrower) conveys all interest in a real property to the mortgagee (i.e. the lender) to satisfy a loan that is in default and avoid foreclosure proceedings. If there are any junior liens a deed in lieu is a less attractive option for the lender. The lender will likely not want to assume the liability of the junior liens from the property owner, and accordingly, the lender will prefer to foreclose in order to clean the title. (en)
- 代替没收契据（Deed in lieu of foreclosure），又称为回赎权取消契约、赎回权替代契约，是（即借用人）让渡所有不动产利益给（即出借人），以清偿一笔拖欠的贷款，并避免没收程序的一份契约文书。 代替没收契据提供数个有利条件予借用人和出借人双方。对出借人的主要优点是，它立即把他/她从与拖欠的贷款有关的人身债务中解脱出来。借用人也避免没收程序的公开臭名，并可以收到比他/她在正式的没收中更宽宏的期间。对借用人的另一个利益是，它损害其信用少于没收。对出借人的有利条件包括取回时间和成本的减少，借用人报复（在县司法官逐出前财产的本质失窃和肆意破坏）的较低风险，以及另外的有利条件是如果借用人随后申请破产。 为了考虑为代替没收契据，债务必须以转移不动产进行担保。双方必须自愿、善意地订立交易。和解协议必须具有至少等于财产让渡的公平的全部对价。有时，出借人不进行代替没收契据，如果借用人的未付债务超过财产的当前公平价值。其他时间，出借人将同意由于它们将以财产告终任何方式，并且没收程序对于出借人代价高昂。 在纽约，《住房衡平法防盗法案》对于这个频繁使用的和解方法已经产生了一些混乱。不明确是否HETPA适用于代替没收契据由于没有像公断人的契约那样明确的排除，例如。2年撤销权不是便利银行或财产的风险，特别是规定的复杂的守则众多， 以致很多银行和产权保险人不乐于处理替代契据。 (zh)
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| - A deed in lieu of foreclosure is a deed instrument in which a mortgagor (i.e. the borrower) conveys all interest in a real property to the mortgagee (i.e. the lender) to satisfy a loan that is in default and avoid foreclosure proceedings. The deed in lieu of foreclosure offers several advantages to both the borrower and the lender. The principal advantage to the borrower is that it immediately releases him/her from most or all of the personal indebtedness associated with the defaulted loan. The borrower also avoids the public notoriety of a foreclosure proceeding and may receive more generous terms than he/she would in a formal foreclosure. Another benefit to the borrower is that it hurts his/her credit less than a foreclosure does. Advantages to a lender include a reduction in the time and cost of a repossession, lower risk of borrower revenge (metal theft and vandalism of the property before sheriff eviction), and additional advantages if the borrower subsequently files for bankruptcy. If there are any junior liens a deed in lieu is a less attractive option for the lender. The lender will likely not want to assume the liability of the junior liens from the property owner, and accordingly, the lender will prefer to foreclose in order to clean the title. In order to be considered a deed in lieu of foreclosure, the indebtedness must be secured by the real estate being transferred. Both sides must enter into the transaction voluntarily and in good faith. The settlement agreement must have total consideration that is at least equal to the fair market value of the property being conveyed. Sometimes, the lender will not proceed with a deed in lieu of foreclosure if the outstanding indebtedness of the borrower exceeds the current fair value of the property; in other cases, a lender will agree since it will likely end up with the property anyway through the costly foreclosure process. Because of the requirement that the instrument be voluntary, lenders will often not act upon a deed in lieu of foreclosure unless they receive a written offer of such a conveyance from the borrower that specifically states that the offer to enter into negotiations is being made voluntarily. This will enact the parol evidence rule and protect the lender from a possible subsequent claim that the lender acted in bad faith or pressured the borrower into the settlement. Both sides may then proceed with settlement negotiation.The Home Equity Theft Prevention Act in New York has created some confusion regarding this frequently used method of settlement. It is unclear whether HETPA applies to deeds in lieu of foreclosure since there is no clear exclusion as there is for a referee's deed, for example. The 2-year right of rescission is not a risk that banks or title insurers are comfortable with, especially given the complexities of compliance, so many banks and title insurers in New York are not willing to work with deeds in lieu. (en)
- Deed in lieu of foreclosure adalah tindakan hukum di mana mortgagor memberikan sejumlah properti pada mortgagee untuk melunasi suatu hutang dan menghindari tindakan foreclosure. Hal ini memberi keuntungan bagi kedua pihak. Bagi mortgagor keuntungannya adalah ia dapat membayar sebagian besar atau seluruh hutangnya. Keuntungan bagi mortgagee adalah biaya yang lebih rendah dalam proses hukum. Syarat agar disebut deed in lieu of foreclosure adalah mortgagor melakukan hal ini secara sukarela. Karena itu biasanya mortgagee membutuhkan pernyataan tertulis dari mortgagor mengenai hal ini. (in)
- 代替没收契据（Deed in lieu of foreclosure），又称为回赎权取消契约、赎回权替代契约，是（即借用人）让渡所有不动产利益给（即出借人），以清偿一笔拖欠的贷款，并避免没收程序的一份契约文书。 代替没收契据提供数个有利条件予借用人和出借人双方。对出借人的主要优点是，它立即把他/她从与拖欠的贷款有关的人身债务中解脱出来。借用人也避免没收程序的公开臭名，并可以收到比他/她在正式的没收中更宽宏的期间。对借用人的另一个利益是，它损害其信用少于没收。对出借人的有利条件包括取回时间和成本的减少，借用人报复（在县司法官逐出前财产的本质失窃和肆意破坏）的较低风险，以及另外的有利条件是如果借用人随后申请破产。 为了考虑为代替没收契据，债务必须以转移不动产进行担保。双方必须自愿、善意地订立交易。和解协议必须具有至少等于财产让渡的公平的全部对价。有时，出借人不进行代替没收契据，如果借用人的未付债务超过财产的当前公平价值。其他时间，出借人将同意由于它们将以财产告终任何方式，并且没收程序对于出借人代价高昂。 由于自愿文书的要件，出借人常不奉行代替没收契据，除非他们从借用人收到此等让渡的书面要约，该要约详细说明进入磋商的要约正被自愿作出。这将实施口头证据规则，并保护出借人不受随后可能的主张——出借人善意作为或强制借用人进入和解。双方然后可以进行和解协商。在最终协议达成前，借用人和出借人均无义务进行代替没收契据。 在纽约，《住房衡平法防盗法案》对于这个频繁使用的和解方法已经产生了一些混乱。不明确是否HETPA适用于代替没收契据由于没有像公断人的契约那样明确的排除，例如。2年撤销权不是便利银行或财产的风险，特别是规定的复杂的守则众多， 以致很多银行和产权保险人不乐于处理替代契据。 代替没收契据是英美法系担保法中的用语，《波多黎各民法典》、《加利福尼亚民法典》中都可以查到相关规定。 (zh)
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