你是否正在经历经济困难或在付款方面遇到困难? 我们是来帮忙的.
我们为我们的消费贷款提供了几种援助计划, 包括汽车贷款, 个人贷款, 信用卡和其他信用额度. 了解这些计划的锻炼选择和他们的资格如下.
如果您有疑问或想要开始使用这些选项,请太阳集团平台 消费者的解决方案 支援小组 800.358.8228 (ext. 7145) 或者发邮件到 consumersolutions@jinken-fukuoka.com.
Skip-A-Pay是一个账户功能,可以让你推迟偿还贷款 未来一个月 to provide you with a little breathing room in case you are running a little short on cash or as other bills come due.
而Skip-A-Pay则旨在帮助缓解压力, 了解此帐户功能的条款和条件非常重要, including a $25 fee for each request charge as well as interest on your loan continuing to accrue during the month the payment was skipped.
延期付款可以让你 每月最多推迟(或暂停)两次付款. 延期付款是为那些面临暂时经济困难的人设计的 和 helps keep loan obligations current. 延期付款不是为了解决长期的经济困难.
可以考虑延期贷款, 您的贷款必须符合以下要求:
A payment arrangement provides members with the opportunity to set up one or more short term payments within a month or two to bring a delinquent account back to good st和ing. 所有帐户均符合资格.
The Temporary Payment Reduction Program is a 贷款修改 intended to provide eligible members, 谁正在经历短期到中期的经济困难, 以可承受和可持续的月供. 月供将减少50%,利率为2%. 减少的付款仅为12个月,并在结束时返回合同义务.
贷款将符合临时还款减免计划的条件 如果满足以下所有条件:
The Permanent Payment Reduction Program is intended to provide affordable 和 sustainable monthly payments. An affordable 和 sustainable monthly payment is achieved by taking specified sequential steps to reduce the 利率 和 extend the payment timeframe.
A loan will be eligible for the Permanent Payment Reduction Program 如果满足以下所有条件:
作为批准永久修改的条件, 您必须提供与Balance完成债务咨询的证据.
Skip-A-Pay选项
Skip-A-Pay是一个账户功能,可以让你推迟偿还贷款 未来一个月 to provide you with a little breathing room in case you are running a little short on cash or as other bills come due.
而Skip-A-Pay则旨在帮助缓解压力, 了解此帐户功能的条款和条件非常重要, including a $25 fee for each request charge as well as interest on your loan continuing to accrue during the month the payment was skipped.
付款延期选项
延期付款可以让你 每月最多推迟(或暂停)两次付款. 延期付款是为那些面临暂时经济困难的人设计的 和 helps keep loan obligations current. 延期付款不是为了解决长期的经济困难.
可以考虑延期贷款, 您的贷款必须符合以下要求:
付款安排
A payment arrangement provides members with the opportunity to set up one or more short term payments within a month or two to bring a delinquent account back to good st和ing. 所有帐户均符合资格.
临时工资减少
The Temporary Payment Reduction Program is a 贷款修改 intended to provide eligible members, 谁正在经历短期到中期的经济困难, 以可承受和可持续的月供. 月供将减少50%,利率为2%. 减少的付款仅为12个月,并在结束时返回合同义务.
贷款将符合临时还款减免计划的条件 如果满足以下所有条件:
永久贷款修改
The Permanent Payment Reduction Program is intended to provide affordable 和 sustainable monthly payments. An affordable 和 sustainable monthly payment is achieved by taking specified sequential steps to reduce the 利率 和 extend the payment timeframe.
A loan will be eligible for the Permanent Payment Reduction Program 如果满足以下所有条件:
作为批准永久修改的条件, 您必须提供与Balance完成债务咨询的证据.
当你需要处理帕特尔科的财务问题时, you are only a call away to set your visit so you can sit 和 talk with someone about your financial situation. 他们在你所在的地方会见你,你受到尊重.
We offer a comprehensive foreclosure prevention program to members experiencing financial hardship with the goal of keeping them in their home. 了解这些计划的锻炼选择和他们的资格如下.
要开始使用这些选项,请太阳集团平台的 贷款的锻炼 支援小组 800.358.8228 (ext. 3999) 或者发邮件到 loanworkout@jinken-fukuoka.com.
A repayment plan is an arrangement w在这里 you agree to repay the loan arrearage in installments while still making regularly scheduled monthly payments. The repayment plan is designed to assist if you can resolve the loan delinquency over a period of time.
抵押贷款将符合还款计划的条件 如果满足以下要求:
延期付款可以让你 每月最多推迟两次付款. 延期付款是为那些面临暂时经济困难的人设计的, 延期付款将有助于他们保持贷款义务的流动. 延期付款不是为了解决长期的经济困难.
原利率及贷款到期日维持不变. 未付的利息将单独处理并加到a 0%利息费帐户 在贷款期限结束或偿还时作为最后一笔付款.
此付款延期计划适用于封闭和开放式抵押贷款.
这个计划提供了一个暂时减少抵押贷款的支付, 然后是一项纠正违法行为的安排. The temporary payment reduction program is designed to assist those who are unemployed or who otherwise are not eligible for the 贷款修改 program. The program is intended to provide those experiencing temporary hardship the time 和 flexibility to manage the financial challenges affecting their ability to meet the mortgage obligations.
The temporary payment reduction will allow you to make a monthly mortgage payment of 40% of your verified gross household income or $750.以金额较大者为准,为期6个月. 在扣款期结束时,逾期款项不予免除, 而是通过后续的还款计划或贷款修改来解决这些金额.
要考虑为临时付款减少计划,一个帐户 必须满足以下要求:
The Permanent Hardship Modification Program is a 贷款修改 process intended to provide affordable 和 sustainable monthly payments. This is achieved by taking specified sequential steps to bring the total monthly housing payment down to a target between 31% 和 38% of the gross monthly income.
抵押贷款将符合永久困难修改计划的资格 如果符合以下所有标准:
作为批准永久修改的条件, 您必须提供与Balance完成债务咨询的证据.
A short sale involves the creditor releasing the lien against the property in exchange for proceeds from the sale of the property of less than the amount owed. 这个项目允许人们在没有丧失抵押品赎回权的情况下从他们的家过渡出去.
抵押贷款将有资格卖空 如果满足以下所有要求:
抵押品赎回权契约(DIL), 也被称为“自愿转让”,” occurs when a borrower voluntarily transfers title 和 possession of the property to a creditor to satisfy the mortgage loan debt 和 to avoid foreclosure.
根据帕特尔科信用合作社的等级制度, a DIL can be offered to members that are ineligible for all other foreclosure prevention alternatives.
抵押贷款可能符合丧失抵押品赎回权契约的条件 如果满足以下所有要求:
还款计划
A repayment plan is an arrangement w在这里 you agree to repay the loan arrearage in installments while still making regularly scheduled monthly payments. The repayment plan is designed to assist if you can resolve the loan delinquency over a period of time.
抵押贷款将符合还款计划的条件 如果满足以下要求:
付款延期选项
延期付款可以让你 每月最多推迟两次付款. 延期付款是为那些面临暂时经济困难的人设计的, 延期付款将有助于他们保持贷款义务的流动. 延期付款不是为了解决长期的经济困难.
原利率及贷款到期日维持不变. 未付的利息将单独处理并加到a 0%利息费帐户 在贷款期限结束或偿还时作为最后一笔付款.
此付款延期计划适用于封闭和开放式抵押贷款.
临时工资减少
这个计划提供了一个暂时减少抵押贷款的支付, 然后是一项纠正违法行为的安排. The temporary payment reduction program is designed to assist those who are unemployed or who otherwise are not eligible for the 贷款修改 program. The program is intended to provide those experiencing temporary hardship the time 和 flexibility to manage the financial challenges affecting their ability to meet the mortgage obligations.
The temporary payment reduction will allow you to make a monthly mortgage payment of 40% of your verified gross household income or $750.以金额较大者为准,为期6个月. 在扣款期结束时,逾期款项不予免除, 而是通过后续的还款计划或贷款修改来解决这些金额.
要考虑为临时付款减少计划,一个帐户 必须满足以下要求:
永久贷款修改
The Permanent Hardship Modification Program is a 贷款修改 process intended to provide affordable 和 sustainable monthly payments. This is achieved by taking specified sequential steps to bring the total monthly housing payment down to a target between 31% 和 38% of the gross monthly income.
抵押贷款将符合永久困难修改计划的资格 如果符合以下所有标准:
作为批准永久修改的条件, 您必须提供与Balance完成债务咨询的证据.
其他救济方案
A short sale involves the creditor releasing the lien against the property in exchange for proceeds from the sale of the property of less than the amount owed. 这个项目允许人们在没有丧失抵押品赎回权的情况下从他们的家过渡出去.
抵押贷款将有资格卖空 如果满足以下所有要求:
抵押品赎回权契约(DIL), 也被称为“自愿转让”,” occurs when a borrower voluntarily transfers title 和 possession of the property to a creditor to satisfy the mortgage loan debt 和 to avoid foreclosure.
根据帕特尔科信用合作社的等级制度, a DIL can be offered to members that are ineligible for all other foreclosure prevention alternatives.
抵押贷款可能符合丧失抵押品赎回权契约的条件 如果满足以下所有要求:
不,我们只在信用报告上做个注释. 一旦延期完成,票据将从信用报告中删除.
Two throughout the life on the loan for mortgage loans 和 once every 12 months for consumer loans (auto, 个人及信用卡).
跳过的截止日期之后的下一个截止日期.
修改后的付款将在修改完成后的30 - 60天内开始.
We will continue to report the delinquency status of your loan to credit reporting agencies in accordance with applicable law.
一旦你的贷款被修改, you will be considered current on your loan 和 your credit score may improve so long as you make your payments on time.
贷款修改会改变你抵押贷款的一些条款, 比如按月付款, 利率, 到期日, 这可能会使你的付款更负担得起.
You will repay the new interest-bearing mortgage balance in equal monthly payments over the modified term.