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Mortgagee Sales sa NZ: Bargain o Big Risk?

2 July 2025-7 min read-By Jarrod Kirkland
Mortgagee Sales sa NZ: Bargain o Big Risk?

Key Takeaways

  • 1Ang mortgagee sales ay nangyayari kapag ang borrowers ay nagde-default.
  • 2Ang properties ay ibinebenta as is nang walang warranties.
  • 3Ang first-time buyers ay dapat mag-proceed nang may caution.

Kapag ang property prices ay tumataas at ang interest rates ay umaakyat, ang mortgagee sales ay muling lumalabas.

Kapag ang property prices ay tumataas at ang interest rates ay umaakyat, ang mortgagee sales ay muling lumalabas sa market.

Ano ang Mortgagee Sale?

Ang mortgagee sale ay nangyayari kapag ang borrower ay nagde-default sa loan obligations. Ang lender ay nagga-exercise ng kanilang legal right na ibenta ang property para ma-recover ang debt.

Bakit Mas Mababa ang Prices?

Ang mga sales na ito ay typically mas mura dahil ang lenders ay nag-prioritize ng debt recovery, ang properties ay ibinebenta "as is" nang walang warranties, at ang inspection access ay maaaring limited.

Key Buyer Risks

Ang risks ay kasama ang no warranties, limited access, danger period liability, at withdrawal risk ng mortgagor.

Worth Ba Itong I-pursue?

Ang experienced investors na comfortable sa risks ay maaaring makahanap ng value, pero ang first-time buyers ay dapat mag-proceed nang may caution.

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Frequently Asked Questions

Ano ang mortgagee sale?

Ang mortgagee sale ay nangyayari kapag ang borrower ay nagde-default at ang lender ay nagbebenta ng property para ma-recover ang debt.

Bakit mas mura ang mortgagee sales?

Ang lenders ay nag-prioritize ng debt recovery, ang properties ay ibinebenta as is nang walang warranties.

Disclaimer

The information on this website is for general guidance only and does not constitute financial or investment advice. Always do your own research and seek personalised advice from a qualified financial adviser or mortgage adviser before making financial decisions. All investments carry risk and past performance is not indicative of future results.

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