关于房价下跌，业主破产

jack9889

美猴王 发表于 2018-11-9 19:34
"这里的拍卖损失最终是银行承担了。如果拍卖一家损失一部分钱，这样继续强拍下去，银行最终走向倒闭。"
...

我发贴子就是要educate你这种法盲, 什么“跑了和尚跑不了庙。只要人不死， 债就在”，你以为你是在中国啊。

澳洲跟中国不一样，这里是民权社会，比如银行拍卖房子后向，业主还欠银行1亿澳元，业主申请破产，这1亿的债务就只能一笔勾销了，银行无权再追债，这个债务要银行自己来承担。破产令只有三年，三年内业主可以继续工作基本收入自己保留，三年后继续业主可以继续投资或者开公司。

sohomel

中介们都开始鼓励买家都准备破产来继续推高房价么？突然觉得大胸的帖子都是良心帖啊

美猴王

jack9889 发表于 2018-11-9 20:12
我发贴子就是要educate你这种法盲, 什么“跑了和尚跑不了庙。只要人不死， 债就在”，你以为你是在中国啊 ...

你以为这里是美国？ 在美国，申请破产就可以脱身， 所以才有2008年的破产成风，房子都留给银行了。在澳洲可不是这样，你房子卖了还不够还银行的话，欠银行的债仍然还在。哪天你有点钱了，银行可以向法院申请向你追债要钱。明白了吗？

jack9889

美猴王 发表于 2018-11-9 20:20
你以为这里是美国？ 在美国，申请破产就可以脱身， 所以才有2008年的破产成风，房子都留给银行了。在澳洲 ...

你不仅无知还很固执

https://www.afsa.gov.au/insolven ... ts-when-im-bankrupt


Secured debts
A secured debt is tied to specific property, like a house. The creditor has the right to take possession of your property if you don’t make the payments. If this occurs you must assist with this recovery action.

Some examples are:

mortgage (house is security)
car loan (car is security)
hire purchase or rent to buy (eg. furniture or electronics as security).
You need to contact your secured creditors to discuss your intentions with the debt. If you’re unable to maintain the payments, you may be able to surrender the goods. Sometimes the creditor may sell the goods, however it still doesn't cover what you owe.

We call this a shortfall. You can list the shortfall in your bankruptcy, then the creditor can no longer pursue you for this debt.

ymyx2303

jack9889 发表于 2018-11-9 11:14
在另一个帖子里面已经分析过了，足迹有些人就知道强行平仓，房价已经跌破贷款，银行强行收回房子拍卖，业 ...

明白人

美猴王

jack9889 发表于 2018-11-9 20:31
你不仅无知还很固执

https://www.afsa.gov.au/insolvency/i-cant-pay-my-debts/what-happens-my-debts-w ...

Bankruptcy may affect your income, employment and business
If you earn over a set amount, you may need to make compulsory payments[?] to your trustee. There may also be some restrictions on your employment and running a business.

How does bankruptcy affect my income and employment?
Becoming bankrupt doesn't normally prevent you from working, but it could have an impact on your income and employment. This page helps you to understand how it could affect you.   

One of your obligations when bankrupt is to keep your trustee informed of any changes in your income or employment. For example, if you:

change jobs
receive higher or lower income (including government assistance)
stop working.
For more information about how bankruptcy may affect your employment see: Bankruptcy and employment.

How much can I earn?
There is no limit to the amount of income that you can earn while you're bankrupt. There is also no limit to the amount you can save during your bankruptcy. However, if your after-tax income exceeds a set amount, you may have to make compulsory payments[?]. This amount changes with how many dependants you have.

美猴王

jack9889 发表于 2018-11-9 20:31
你不仅无知还很固执

https://www.afsa.gov.au/insolvency/i-cant-pay-my-debts/what-happens-my-debts-w ...

What are contributions?
If your trustee determines you are earning over the income set amount, they'll ask you to pay income contributions[?]. Contributions is the word we often use for compulsory payments from your income.

Your trustee can use these contributions to help repay your debts. Your trustee will notify you how and when you need to make payments. Compulsory income payments are:

50% of the amount you earn above the income threshold (set amount).
Paid by you to your trustee, and may go towards your creditors.
Calculated by your trustee to determine the amount you need to pay, if any.
If you have any enquiries about these payments, contact your trustee.

For more information see: Official Trustee Practice Statement OTPS1- Income Contributions.

美猴王

ymyx2303 发表于 2018-11-9 20:42
明白人

https://www.afsa.gov.au/insolven ... come-and-employment

How does bankruptcy affect my income and employment?

美猴王

jack9889 发表于 2018-11-9 20:31
你不仅无知还很固执

https://www.afsa.gov.au/insolven ... -happens-my-debts-w ...

“We call this a shortfall. You can list the shortfall in your bankruptcy, then the creditor can no longer pursue you for this debt.” 不追债并不代表你的债务一笔勾销。
“If your trustee determines you are earning over the income set amount, they'll ask you to pay income contributions[?]. Contributions is the word we often use for compulsory payments from your income.

Your trustee can use these contributions to help repay your debts. ”
哪怕申请了破产，哪怕只是打工挣钱，你有一定数额的钱后，就要接着还债了，。

以上是从你提供的链接得到的。

jack9889

美猴王 发表于 2018-11-9 21:09
“We call this a shortfall. You can list the shortfall in your bankruptcy, then the creditor can n ...

所以你不但无知，学习能力还很差劲。

破产令的有效期只有三年，破产期你可以有一个基本收入保障生活。你这些收入超标追缴的条件只使用在三年破产期内，一旦三年破产期过后，你就不会有任何收入投资限制。

https://www.afsa.gov.au/insolven ... bts/what-bankruptcy


What is bankruptcy?
Bankruptcy is a legal process where you're declared unable to pay your debts. It can release you from most debts, provide relief and allow you to make a fresh start.

You can enter into voluntary bankruptcy. We refer to this as a debtor's petition. It's also possible that someone you owe money to (a creditor) can make you bankrupt through a court process. We refer to this as a creditor's petition.

Bankruptcy normally lasts for 3 years and 1 day.

Delphi

jack9889 发表于 2018-11-9 21:26
所以你不但无知，学习能力还很差劲。

破产令的有效期只有三年，破产期你可以有一个基本收入保障生活。一 ...

3年之后，你有破产记录，难道你还指望银行再借钱给你，去赌下一波？

美猴王

jack9889 发表于 2018-11-9 21:26
所以你不但无知，学习能力还很差劲。

破产令的有效期只有三年，破产期你可以有一个基本收入保障生活。一 ...

是谁说“欠银行1亿澳元，业主申请破产，这1亿的债务就只能一笔勾销了，银行无权再追债，这个债务要银行自己来承担。”的？

债务一笔勾销的话“If your trustee determines you are earning over the income set amount, they'll ask you to pay income contributions[?]. Contributions is the word we often use for compulsory payments from your income.

Your trustee can use these contributions to help repay your debts. ” 就成了屁话了。

Your name will permanently appear on the National Personal Insolvency Index (NPII)
The National Personal Insolvency Index is a searchable public register listing insolvency proceedings in Australia.

For more information see: Who will know I’m bankrupt?
名留千古

jack9889

Delphi 发表于 2018-11-9 21:28
3年之后，你有破产记录，难道你还指望银行再借钱给你，去赌下一波？

破产记录会在你的信用记录里面保存5年，在这一时间内，如果你要贷款，还是有很多Low Doc可以选择的。

还有，就算在你的三年破产期了，你老婆也不受影响，为什么不用配偶名义去贷款？

美猴王

jack9889 发表于 2018-11-9 21:34
破产记录会在你的信用记录里面保存7年，在这一时间内，如果你要贷款，还是有很多Low Doc可以选择的。

还 ...

Your name will permanently appear on the National Personal Insolvency Index (NPII)

permanently appear 是什么意思？

Zexi1935

都有些道理，侧重点不同。不要上纲上线，人身攻击，要共同营造互相尊重的网络氛围。应该说某些同志经过这两天的集中普法教育，明白人谈不上，提高还是有的，值得表扬。

Delphi

jack9889 发表于 2018-11-9 21:34
破产记录会在你的信用记录里面保存5年，在这一时间内，如果你要贷款，还是有很多Low Doc可以选择的。

还 ...

你不断说服自己的精神，让人森森地敬佩

使俺想起了47元买中石油的散户

jack9889

美猴王 发表于 2018-11-9 21:30
是谁说“欠银行1亿澳元，业主申请破产，这1亿的债务就只能一笔勾销了，银行无权再追债，这个债务要银行自 ...

正因为有了NPII的记录, 你的债主才永远不能向你追债，这个是保护你，你还以为要千古留名。

你的信用报告只保留破产记录5年，至后该干嘛就干嘛。

How is my credit file affected?
Credit reporting agencies[?] keep a record of your bankruptcy for:

5 years from the date you became bankrupt or
2 years from when your bankruptcy ends, whichever is later.
Details of credit reporting agencies are available on ASIC's MoneySmart.

博闻

sm375 发表于 2018-11-9 13:42
大家这个想象力也就是拍个国产灾难片的水平。为啥银行在所谓强行平仓之前。。容我笑一笑。。。不能把利息提 ...

房价下跌，大部分人并不会破产。只有那些贷款买了一堆投资房的人才会破产。

mliu1188

revstar 发表于 2018-11-9 09:21
最基本常识，股票，外汇，期货用保证金杠杆交易的哪个下跌到一定幅度，银行会不要求补充保证金，你补充不了 ...

前两年很多多军占有了与其智商不匹配的财富，现在该吐出来乃至倒贴了。
说话方式让人喜欢

美猴王

jack9889 发表于 2018-11-9 21:26
所以你不但无知，学习能力还很差劲。

破产令的有效期只有三年，破产期你可以有一个基本收入保障生活。一 ...

Bankruptcy normally lasts for 3 years and 1 day from the day you file your statement of affairs
This starts from the day we accept your bankruptcy application. If a creditor makes you bankrupt, we calculate the bankruptcy period from the date you file your statement of affairs[?]. In some cases, your trustee can lodge an objection[?] to extend the bankruptcy for up to eight years.

你这一辈子有几个8年？

美猴王

jack9889 发表于 2018-11-9 21:41
正因为有了NPII的记录, 你的债主才永远不能向你追债，这个是保护你，你还以为要千古留名。

你的信用报告 ...

Who will know I’m bankrupt?
Your name will appear permanently on a public register called the National Personal Insolvency Index (NPII). The NPII shows details of insolvency proceedings in Australia, including bankruptcy.

Some other information that may appear on the register are:

Name, date of birth, residential address and occupation that you disclose on your application.
Any previous names and aliases, if known.
The type of proceeding, the start date and the AFSA administration number[?].
The name and contact details of the trustee or administrator of the proceeding.
The current status of the proceeding e.g. whether you're discharged[?] from bankruptcy.

这不就是千古留名嘛！

mliu1188

jack9889 发表于 2018-11-9 10:14
在另一个帖子里面已经分析过了，足迹有些人就知道强行平仓，房价已经跌破贷款，银行强行收回房子拍卖，业 ...

感谢分享

jack9889

美猴王 发表于 2018-11-9 21:47
Bankruptcy normally lasts for 3 years and 1 day from the day you file your statement of affairs
Th ...

你为什么要断章取义？ 还故意把一句话从中间断开。

In some cases, your trustee may object to your bankruptcy ending. We call this an objection to discharge. Your bankruptcy could be extended for up to 8 years if you fail to:

provide information to your trustee
disclose all income
make compulsory payments[?]
explain how you spent money
reveal all assets and debts.

只有你隐瞒财产，假报收入等情况下，债权人才可以申请延长破长期.

美猴王

jack9889 发表于 2018-11-9 21:53
你为什么要断章取义？

In some cases, your trustee may object to your bankruptcy ending. We call th ...

假文件你都敢做，谁敢担保你不会又干隐瞒财产，假报收入等那些事？

jack9889

美猴王 发表于 2018-11-9 21:56
假文件你都敢做，谁相信你不会又干那些事？

我在前面帖子里面以后声明过了，我不是房地产中介，也不是炒房客，我也没有高额贷款。

你就不要给我泼这个脏水了。

不过能让更多的足迹华人了解澳洲法律知识，我还是很欣慰的，至少你在过去一个小时学到了不少知识吧，不会再去喊口号“人不死，债就不消除”吧。

ymyx2303

美猴王 发表于 2018-11-9 21:06
https://www.afsa.gov.au/insolvency/i-cant-pay-my-debts/how-does-bankruptcy-affect-my-income-and-em ...

孙猴子还需要考虑住房么？不是住洞里就可以了。

victor_cn

理论上银行可以强制拍卖，但是我记得08年金融危机的时候，政府还出面要求银行给无法还款的人延期一段时间。
说明无论政府还是银行都不愿看到这种大规模的强迫出现。

美猴王

jack9889 发表于 2018-11-9 22:00
我在前面帖子里面以后声明过了，我不是房地产中介，也不是炒房客，我也没有高额贷款。

你就不要给我泼这 ...

抱歉，引起了误会。我那帖子里的”你“ 不是指生活中的你本人。就像Who will know I’m bankrupt?中的”I“一样，是个泛指。

美猴王

jack9889 发表于 2018-11-9 22:00
我在前面帖子里面以后声明过了，我不是房地产中介，也不是炒房客，我也没有高额贷款。

你就不要给我泼这 ...

”不过能让更多的足迹华人了解澳洲法律知识，我还是很欣慰的，至少你在过去一个小时学到了不少知识吧，不会再去喊口号“人不死，债就不消除”吧。“

本帖的争论，你写的”破产了，债就一笔勾销“和我写的“人不死，债就不消除” 都不恰当。

老衲

现金流不够的，还是抓紧卖吧，不要硬抗。
忽悠政府救市，破产重生的，听着就不是什么好人。