会员宽免及 支持中心

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.

• 使用它 一年两次 每个合格的信誉良好的Patelco贷款.
• Easy 和 quick to take advantage of it; no lengthy application forms required.
• 自己动手-自助服务功能在 Patelco在线™ 和 手机银行.

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:

• 贷款金额不得超过 逾期60天 在请求的时候.
• The loan must meet the loan deferral limits as stated above for closed 和 open-ended obligations.
• 贷款已经 以前没有修改过 在任何困难援助计划下.
• Written documentation explaining the cause(s) for the hardship 和 that the cause(s) contributing to the hardship are temporary in nature.

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:

• 这种困难是暂时的和非自愿的，您必须能够提供困难证明文件.
• 你的总负债率(“后端”)大于45%.
• 如果这是一笔汽车贷款，抵押品必须在你手中. 车辆登记必须是最新的. 您还必须提供保险证明，并且保险单必须将Patelco列为留置权人.
• 贷款已经 not previously been modified under the Temporary Payment Reduction Program or Permanent Payment Reduction Program.
• 临时付款期限为12个月.

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:

• The hardship is permanent 和 involuntary, 和 you must be able to provide hardship documentation.
• 你的住房支付和帕特尔科的支付超过了月总收入的38%.
• 如果这是一笔汽车贷款，抵押品必须在你手中. 车辆登记必须是最新的. 您还必须提供保险证明，并且保险单必须将Patelco列为留置权人.
• 该贷款以前没有根据永久付款减少计划进行修改.
• 被解除破产的人必须重申债务.

债务咨询计划

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 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:

• 证明导致当前贷款违约的财务困难已经得到解决.
• The ability to make future scheduled loan payments in addition to an amount necessary to cure the outst和ing arrearage.
• 目前处于丧失抵押品赎回权和破产状态的抵押贷款符合条件.

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:

• 该贷款是由Patelco信用合作社拥有和服务的第一留置权抵押贷款.
• 标的物业为主要住宅或投资物业.
• 该贷款已存在至少12个月.
• 这种困难是暂时的、非自愿的.
• 贷款以前没有修改过, 而且借款人以前没有收到过暂时的付款减免.
• 你每月没有超过两次拖欠付款.
• 财产税、灾害保险和业主协会费必须立即缴纳. 如果房产税拖欠, you must show written evidence of an approved repayment plan from the County in which the property is located.
• 根据统一借款者援助表格证明收入.
• You must be able to document a valid short-term hardship by completing the hardship documentation set forth in the Uniform Borrower 援助 Form.

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:

• 抵押贷款由Patelco信用合作社拥有并提供服务.
• 抵押贷款拖欠，或违约是可以合理预见的. 某些目前处于破产和丧失抵押品赎回权的抵押贷款也符合条件.
• 标的财产为该成员的主要住所
• 符合条件的困难是长期的和非自愿的.
• 该属性未处于废弃状态.
• 被解除破产的人必须重申债务.

债务咨询计划

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.

卖空

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:

• 该贷款由Patelco信用合作社拥有并提供服务的房地产担保.
• 抵押贷款拖欠，或违约是可以合理预见的. 某些目前处于破产和丧失抵押品赎回权的抵押贷款也符合条件.
• 你可以证明你有经济困难.
• You may be required to contribute cash or execute a note to mitigate Patelco’s losses if a review of your financial condition indicates that you are able to pay, 除非法律禁止.
• 您必须填写短售包，并提供包中规定的文件.
• 该房产必须在多重挂牌服务中挂牌出售.
• 你可能不是该物业的上市或销售代理.

抵押品赎回权代替契约

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:

• 该贷款由Patelco信用合作社拥有并提供服务的房地产担保.
• 抵押贷款拖欠，或违约是可以合理预见的. 某些目前处于破产和丧失抵押品赎回权的抵押贷款也符合条件.
• 你必须能够证明你有经济困难.
• Tried for at least 90 to 120 days to sell the property at fair market value (includes short sale) with the help of a licensed real estate agent but were unsuccessful.