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Lea, 無事不登三寶殿

加州屋主可以推迟还贷90天?地税能否延期?你应该知道的还有这些。。

2020年3月25日,加州州长加文·纽森(Gavin·Newsom)宣布:美国四家大银行已经同意,允许受到“新冠病毒”影响的贷款客户在未来90天内,可以不用还贷,并且不会影响信用分数。

现在,各个贷款机构正排着队让加州那些因为“新冠病毒“而出现财务问题的房主,来做推迟支付贷款的计划。这对于那些自3月14日以来,100万提出失业保险申请的加州房主们来说,无疑是一个好消息。

那么,当你在为这个消息兴奋的时候,你更应该知道些什么呢?

1)*哪些银行加入推迟还款计划?

目前,已经有富国银行(Wells Fargo), 全美银行(US Bank), 花旗集团(Citi Bank )和摩根大通(JP Morgan Chase) 将在未来90天内免除抵押贷款还款。国家特许银行(State-chartered Banks)和信用社(Credit Unions)也同意90天的延期。

另外,美国银行(Bank of America)也同意暂停30天。因此,在周三举行的记者会上,州长纽森隔空喊话美国银行 :“我希望他们能重新考虑,加入那些做正确事情的银行。”

2)*我该找谁来帮我推迟还款?–您的还款支票寄给谁?或者每个月是哪个机构从你的银行账号来转款呢?那么,你就应该找到这个您还款的机构或者银行!有些贷款的公司/银行在开始为你做了贷款服务,后来把你的贷款案件转卖给了其他公司,那么最后收你每个月房贷支票的公司/银行,才是你要找的对象。(比如AAA公司是您的贷款公司,但是实际上放款给您的是富国银行,那么您就应该联络富国银行来推迟您的房贷。)

3)*我可以获得联邦政府的帮助吗?–目前,联邦机构已经告知那些提供贷款服务的公司,在长达一年的时间里,为陷入困境的借款人提供一些宽松条件。这个告知可能促使个别银行,提供包括暂停付款这样的支付折扣。(但是,如果你现在就发现你四月的付款有问题,那么你应该立刻打电话给你的银行/贷款公司,因为他们需要时间来处理。)

4)*我还需要了解什么?–因为这个计划刚刚公布,那些需要推迟还款的屋主目前还是面临着巨大的未知问题。比如如何申请呢? 需要什么条件? 之后的还款计划又是怎么样的呢? 那些未支付的款项会影响信用吗?会造成税务问题吗?(因此,小编建议,如果屋主实在遇到了还款的问题,还是先联络自己的贷款银行,如实的说明情况,看这个政策如何切实的帮助到有困难的人!)
5)*这个政策真的会帮助我吗?–魔鬼都隐藏在细节里。乍一看,这个政策对许多财务状况在一个月内发生了天翻地覆改变的人来说,是个好消息。但是需要注意的是。在2008-2009年的经济崩溃之后,许多抵押贷款援助都被证明是没有太大意义的,并且很可能伤害到你。(因此小编还是先建议联络银行或者金融机构,都问清楚之后再进行。)

6)*投资房可以享受这个政策吗?–对于不是自住,而是租出去的投资房。那么,当租客交不出房租,或停止交房租,而房东需要钱来偿还银行的贷款的情况下,可以先不要让银行把房子收回去。(提醒:如果你不能付投资房的贷款,尽快打电话给你的贷款公司或者贷款专员。)

7)*地产税是否可以延期交?–不可以。加州州长纽森面临的下一个挑战是将于4月10日到期的房产税。县税务官员坚称,他们没有任何空间和灵活性来延长地税的缴纳日期。(加州已经将个人所得税的缴纳日期推迟了60天,至7月15日。如果你无法支付地税,尽快打电话给你所在县的税务办公室。)

 

 

 

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LEA
“十点放轻松”的email address: 10dian1300@gmail.com

1 Comment

  1. 请LEA 帮问一下律师或会计师关于失业救济金的申请(UI )的方法。 我3/22/20 已经在EDD 网站上完成了FILE A CLAIM, 但我不知道应该马上去CERTIFY THE BENEFIT, 今天我才在网上看到需要CERTIFY 才拿得到钱 (网上显示我一周可以CERTIFY $404). 我点CERTIFY , 显示THE WEEK IS NOT AVAILABLE , ASKED ME TO CHECK AFTER 4/05/20. 我现在有2 个问题:
    1. 如果我4/05/20 去CERTIFY , EDD 同意这周给我$404, 那3/22/20 到4/05/20 的这两周我就拿不到救济金了吗? 我3/20/20 就响应州长号召不上班了, 怎样要回来这两周的救济金?
    2. 救济金是两部分, 加州的最高$450 (我拿$404) 和联邦政府的$600. 我怎样才能申请到那$600呢?
    另外,万一我错过了听你们的节目, 怎样得到你的节目中律师的解答内容呢?谢谢!

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