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PDKK · 2025年07月03日

没看懂这个问题和选项,老师能解读下吗?

NO.PZ2023090801000016

问题如下:

A real estate investor has obtained a recourse mortgage loan on a shopping center from a bank. The loan has an outstanding balance of USD7,000,000, while the property is valued at only USD5,000,000. In the event of a default on the loan, the bank has a claim on:

选项:

A.

the property.

B.

the borrower’s personal assets.

C.

both the property and the borrower’s personal assets.

解释:

In a recourse loan, the lender has a claim against the borrower for the shortfall (deficiency) between the amount of the outstanding mortgage balance and the proceeds received from the sale of the property.

A is incorrect because in a non-recourse loan, the lender has a claim against only the property for any shortfall between the amount of the outstanding mortgage balance and the proceeds received from the sale of the property.

B is incorrect because mortgage lending entails a first lien and security interest in the property, which is the lender’s collateral.

题目是一个投资者从银行那边获得了一个商业购物中心的,然后问的是银行可以怎么办?

1 个答案

笛子_品职助教 · 2025年07月03日

嗨,努力学习的PZer你好:


题目是一个投资者从银行那边获得了一个商业购物中心的,然后问的是银行可以怎么办?

不是这样的。

题目意思是,投资者拥有商业购物中心,然后以商业购物中心为抵押物,向银行申请了贷款。

现在这套房子跌得比贷款金额还低,问银行如何要求borrower还款。


同学就可以理解为,居民个人贷款买房子。

例如300万元首付,买了1000万的房子,贷款700万。

现在1000万的房子下跌了50%,房子市场价值只剩下500万。


那么这700万的贷款如何还呢。

银行可以要求把房子的产权给银行,这就算还500万(property)。

同时,还需要再用自己的其他资产或者工资还剩下的200万(borrower’s personal assets)。

因此选C。


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努力的时光都是限量版,加油!

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