会员宽免及 支持中心

Skip-A-Pay is an account feature that allows you to postpone your loan payment one month into the future 为你提供一点喘息的空间，以防你现金短缺或其他账单到期.

• 使用它 一年两次 per eligible Patelco loan in good st和ing.
• Easy 和 quick to take advantage of it; no lengthy application forms required.
• Do it yourself – the self-serve feature is available in Patelco在线™ 和 手机银行.

While Skip-A-Pay is designed to help alleviate the stress, it’s important to underst和 the terms 和 conditions of this account feature, 包括每个请求收费25美元的费用，以及你的贷款利息继续在付款期间被跳过.

A payment deferral allows you to defer (or pause) up to two monthly payments. 延期付款是为那些面临暂时经济困难的人设计的，有助于保持贷款义务的流动. Payment deferral is not intended to address long-term financial hardship.

To be considered for a loan deferral, your loan must meet the following requirements:

• The loan must be no more than 逾期60天 at the time of the request.
• The loan must meet the loan deferral limits as stated above for closed 和 open-ended obligations.
• 贷款已经 not been previously modified under any of the hardship assistance programs.
• 书面文件，说明造成困难的原因，以及造成困难的原因是暂时性的.

付款安排为会员提供机会，在一两个月内设立一个或多个短期付款，以使拖欠帐户恢复良好信誉. All accounts are eligible.

临时还款减免计划是一项贷款修改，旨在为符合条件的成员提供贷款, who are experiencing a short to mid-term financial hardship, with affordable 和 sustainable monthly payments. The monthly payment will be reduced 50%, with a 2% 利率. The reduced payment is for 12 months only 和 in conclusion, returns the contracted obligation.

A loan will be eligible for the Temporary Payment Reduction Program if all the following criteria are met:

• 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.
• Your gross debt ratio (“back-end”) is greater than 45%.
• If this is an auto loan, the collateral must be in your possession. The vehicle registration must be current. You must also provide evidence of insurance 和 the policy must list Patelco as lienholder.
• 该贷款以前没有根据临时减少付款计划或永久减少付款计划进行修改.
• The temporary payment term is 12 months.

永久付款减免计划旨在提供负担得起的和可持续的每月付款. 通过采取特定的连续步骤来降低利率和延长付款时间框架，可以实现负担得起且可持续的每月付款.

如果符合以下所有标准，贷款将符合永久还款减免计划的资格:

• 这种困难是永久性和非自愿的，您必须能够提供困难证明文件.
• Your housing payment 和 Patelco’s payment is greater than 38% of total gross monthly income.
• If this is an auto loan, the collateral must be in your possession. The vehicle registration must be current. You must also provide evidence of insurance 和 the policy must list Patelco as lienholder.
• 贷款已经 not previously been modified under the Permanent Payment Reduction Program.
• A discharged Bankruptcy must reaffirm the debt.

债务 Counseling Program

As a condition of approval for the Permanent Modification, you must provide evidence of completing debt counseling with Balance.

还款计划是一种安排，你同意分期偿还贷款欠款，同时仍然定期按月付款.  还款计划旨在帮助你在一段时间内解决贷款拖欠问题.

A mortgage loan will be eligible for a repayment plan if it meets the following requirements:

• Proof that the financial hardship that caused the current loan default has since been resolved.
• 除了偿还未偿还的欠款所必需的数额外，还能偿还未来预定的贷款.
• Mortgage loans currently in foreclosure 和 bankruptcy are eligible.

A payment deferral allows you to defer up to two monthly payments. Payment deferral is designed for those who face temporary financial hardship, 和 a payment deferral would help them keep their loan obligation current. Payment deferral is not intended to address long-term financial hardship.

The original 利率 和 loan maturity date will remain unchanged. The unpaid interest will be treated separately 和 added to a 0% interest fee account 和 due as a final payment at the end of the loan term or at payoff.

This payment deferral program applies to closed 和 open-ended mortgage loans.

This program provides a temporary reduction of payments on a mortgage loan, followed by an arrangement to cure delinquency. 临时还款减少计划旨在帮助那些失业或其他不符合贷款修改计划资格的人. 该计划旨在为那些经历暂时困难的人提供时间和灵活性，以管理影响他们履行抵押贷款义务能力的财务挑战.

这个临时的还款减免将允许你每月支付你家庭总收入的40%，也就是750美元.00, whichever is the greater amount, for a 6-month period. At the end of the payment reduction period past due amounts are not forgiven, but rather these amounts are addressed through a subsequent repayment plan or 贷款修改.

To be considered for the temporary payment reduction program, an account must meet the following requirements:

• The loan is a first lien mortgage loan owned 和 serviced by 帕特尔科信用合作社.
• The subject property is a primary residence or an investment property.
• 贷款已经 existed for at least twelve (12) months.
• The hardship is temporary 和 involuntary in nature.
• Loan has not been previously modified, 和 the borrower has not previously received a temporary payment reduction.
• You have not missed more than two monthly payments.
• Property taxes, hazard insurance 和 homeowners’ association fees must be paid current. If the property taxes are delinquent, 您必须出示房产所在县批准的还款计划的书面证明.
• Verified income documented in accordance with the Uniform Borrower 援助 Form.
• 您必须能够通过填写统一借款人援助表格中列出的困难文件来证明有效的短期困难.

永久困难修改计划是一个贷款修改程序，旨在提供负担得起的和可持续的每月付款. 这是通过采取特定的连续步骤来实现的，将每月住房支付总额降低到月总收入的31%到38%之间的目标.

A mortgage loan will be eligible for the Permanent Hardship Modification Program if all of the following criteria are met:

• The mortgage loan is owned 和 serviced by 帕特尔科信用合作社.
• The mortgage loan is delinquent, or default is reasonably foreseeable. Certain mortgage loans currently in bankruptcy 和 foreclosure are also eligible.
• The subject property is the member’s primary residence
• The qualifying hardship is long-term 和 involuntary in nature.
• The property is not in a condemned status.
• A discharged bankruptcy must reaffirm the debt.

债务 Counseling Program

As a condition of approval for the Permanent Modification, you must provide evidence of completing debt counseling with Balance.

卖空

短卖是指债权人解除对财产的留置权，以换取少于所欠数额的财产出售所得. This program allows someone to transition out of their home without going through foreclosure.

A mortgage loan will be eligible for short sale if all the following requirements are met:

• The loan is secured by real property owned 和 serviced by 帕特尔科信用合作社.
• The mortgage loan is delinquent, or default is reasonably foreseeable. Certain mortgage loans currently in bankruptcy 和 foreclosure are also eligible.
• You’re able to document a valid financial hardship.
• 如果对您的财务状况的审查表明您有能力支付，您可能需要提供现金或签署票据以减轻Patelco的损失, unless prohibited by law.
• You must complete the short sale packet 和 provide documentation set forth in the packet.
• The property must be listed for sale in the Multiple Listing Service.
• You may not be acting as the listing or selling agent for the property.

Deed-In-Lieu of Foreclosure

A deed-in-lieu of foreclosure (DIL), also referred to as a “voluntary conveyance,当借款人自愿将财产的所有权和占有权转让给债权人以满足抵押贷款债务并避免丧失抵押品赎回权时发生.

Under 帕特尔科信用合作社’s workout hierarchy, DIL可以提供给那些没有资格参加所有其他止赎预防方案的成员.

A mortgage loan may be eligible for a deed-in-lieu of foreclosure if all the following requirements are met:

• The loan is secured by real property owned 和 serviced by 帕特尔科信用合作社.
• The mortgage loan is delinquent, or default is reasonably foreseeable. Certain mortgage loans currently in bankruptcy 和 foreclosure are also eligible.
• You must be able to document a valid financial hardship.
• 在至少90至120天内，在持牌房地产经纪人的帮助下，以公平市场价值(包括卖空)出售该物业，但没有成功.