[国外经济类书籍大全

Mortgage&Finance“Thispublicationisdesignedtoprovideaccurateandauthoritativeinformationinregardtothesubjectmattercov-ered.Itissoldwiththeunderstandingthatthepublisherisnotengagedinrenderinglegal,accountingorotherpro-fessionalservice.Iflegalorotherexpertassistanceisrequired,theservicesofacompetentprofessionalpersonshouldbesought.”TopicsFinancingInstrumentsNotesandMortgages.......................................................1MortgageTheory..........................................................2MortgageClauses.........................................................3TypesofMortgages........................................................7TransfemingMortgagedProperty............................................14FormsRentalApplication........................................................17ForeclosureAnalysis......................................................19PropertyEvaluation..............:........................................20CashRequirementWorksheet...............................................21FSBOQuestionnaire.......................................................22PurchaseOfferWorksheet..................................................23PropertyInformationForm.................................................24ContractsAgreementforDeed......................................................25ContractforSaleandPurchase..............................................26ContractforPurchaseandSale..............................................30AddendaAddendumtoContractforSaleandPurchase...................................38AssignmentofOptiontoPurchaseRealEstate..................................41AssignmentofContract....................................................42AssignmentofMortgage...................................................40MortgagesMortgages..............................................................43HomeBuyersOfAmericaifitgagehFinanceWrap-AroundMortgage...................................................48SatisfactionofMortgage...................................................53SubordinationofMortgage.................................................54BalloonMortgage........................................................56Non-RecourseMortgage...................................................60LeaseLeasewithoption........................................................65ResidentialLeasewithOption..............................................70ShortFormLease........................................................73ResidentialLeaseAgreement...............................................75MobileHomeLotLeaseAgreement..........................................78ApartmentRulesandRegulations............................................83AgreementforEarlyUse...................................................85AgreementforContinuedUse&Occupancy...................................86EquitySharingLeaseAgreement............................................87EquitySharingEscrowAgreement...........................................90LeaseExtension..........................................................82MiscellaneousQuitClaimDeed.........................................................91PromissoryNote.........................................................92OptiontoPurchaseRealEstate..............................................93OptionClauses..........................................................95TrustAgreement.........................................................96HomeBuyersOfAmericaiiMortgage&FinanceFinancingInstrumentsI:NotesAndMortgagesThepurchaseofrealestatecanusuallyberegardedasajointventurebetweenanequityinvestorandalendinginstitution.Veryfewoccasionsarisewherepropertiesareboughtforallcash.Inmostrealestatetransactionsalenderprovidesapartofthefinancing,andthepropertyisheldassecurityforthedebt.Therearetwoinstrumentsinvolvedwhenarealestatetransactioninvolvesbothdebtandequity-thenoteandthemortgage.A.PromissorynoteApromissorynoteisasigneddocumentacknowledgingtheexistenceofadebtandpromisingrepayment.Thechieffunctionofthenoteistomaketheborrowerpersonallyliableforpaymentofthedebt.Onceanindividualhassignedsuchanote,thetenoftherepaymentschedulemustbemetregardlessofthefinancialsuccessoftheproperty.B.MortgageAmortgageisapledgeofsecurityfortherepaymentofadebt.Itiscreatedbyformalwrittenagreementinwhichthepersonwhosignsapromissorynotepledgesthepropertybeingfinancedassecurity(orcollateral)forthedebt.Therefore,themortgageitselfisalien-notevidenceofadebt.1.PartiestothemortgageTherearctwopartiesineachmortgage,themortgagorandthemortgagee.Themortgagoristheborrower,ortheonepledgingthepropertyassecurityforthedebtincurred.Themort-gageeisthelender,ortheonetowhomthepropertyispledged.Intheprocessofborrowingmoneyandpledgingpropertyassecurity,theborrowersignsanotewhichisevidenceofthedebt.Withoutthisevidence,nomortgagecanexist.Themort-gageisaninstrumentwhichcreatesaninterestinproperty.Thisinterestisalien,orlegalclaim,onthemortgagor’spropertyuntilthedebtispaid.HomeBuyersOfAmericaIMortgage&Finance2.Mortgagerequire