Que es la foreclosure?

 

Que es la foreclosure?

Foreclosure: el proceso legal en cual el prestamista de una hipoteca toma posesión de la propiedad del prestatario, porque el prestatario no ha pagado la deuda. Este es un proceso largo y el prestamista tiene que obtener una decisión judicial para recuperar la propiedad.

Con una hipoteca, el prestatario compromete a pagar al prestamista un pago mensual a cambio de un préstamo para comprar la casa. Si el prestatario no hace el pago mensual, entonces el prestatario está en incumplimiento de pago. Después de algunos meses de no pagar, entonces el prestamista tiene derecho a la posesión de la propiedad. En una ejecución hipotecaria judicial, la propiedad se vende en una subasta a la oferta más alta.


 


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