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\u842c\u4e00\u6709\u671d\u4e00\u65e5\u4e0d\u5e78\u9047\u4e0a\u9019\u500b\u9ebb\u7169\uff0c\u4e0d\u59a8\u5148\u79e4\u79e4\u65a4\u5169\uff0c\u8861\u91cf\u4e00\u4e0b\u662f\u5426\u6709\u5be6\u529b\u53bb\u300c\u53c3\u6230\u300d\uff0c\u4ee5\u514d\u9677\u5165\u4e00\u767c\u4e0d\u53ef\u6536\u62fe\u7684\u5883\u754c\uff0c\u9032\u9000\u5169\u96e3\uff0c\u65e5\u5f8c\u627e\u56de\u7406\u6027\u6642\uff0c\u4e5f\u672a\u5fc5\u80fd\u5920\u529b\u633d\u72c2\u703e\uff0c\u9a0e\u864e\u96e3\u4e0b\u3002\u50f1\u7528\u5f8b\u5e2b\u89e3\u6c7a\u9019\u7a2e\u554f\u984c\u6642\uff0c\u5f8b\u5e2b\u5c0d\u9019\u7a2e\u554f\u984c\u7684\u89e3\u6790\u6216\u8a31\u6703\u986f\u5f97\u6a21\u7a1c\u5169\u53ef\uff0c\u5207\u52ff\u628a\u5b83\u89e3\u8b80\u6210\u5f8b\u5e2b\u7f3a\u4e4f\u7d93\u9a57\u3001\u81ea\u4fe1\uff0c\u5176\u5be6\u4ed6\u4e5f\u8a31\u624d\u662f\u771f\u6b63\u80fd\u5920\u7406\u89e3\u4e26\u5e6b\u52a9\u4f60\u89e3\u6c7a\u554f\u984c\u3001\u61c9\u8a72\u4fe1\u4efb\u7684\u5f8b\u5e2b\u3002 \u6587\uff1a\u9673\u5efa\u53cb\u5f8b\u5e2b\" 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2013","format":false,"excerpt":"\u5e7e\u661f\u671f\u524d\u4e00\u4f4d\u8b80\u8005\u6253\u96fb\u8a71\u7d66\u6211\uff0c\u8a62\u554f\u8207\u9130\u5c45\u6709\u95dc\u9662\u5b50\u7c6c\u7b06\u7684\u722d\u8b70\uff0c\u7d50\u679c\u6211\u7684\u56de\u7b54\u8b93\u4ed6\u5927\u70ba\u9707\u9a5a\u3002 \u554f\uff1a\u6211\u5011\u5bb6\u8ddf\u9130\u5c45\u4e4b\u9593\u7684\u7c6c\u7b06\u5df2\u7d93\u8001\u820a\u9700\u8981\u4fee\u7406\uff0c\u8acb\u554f\u63db\u65b0\u7c6c\u7b06\u6211\u9700\u8981\u4ed8\u9322\u55ce\uff1f \u7b54\uff1a\u5982\u679c\u9019\u662f\u4f60\u5bb6\u8207\u9130\u5c45\u4e4b\u9593\u552f\u4e00\u7684\u4e00\u9053\u7c6c\u7b06\uff0c\u800c\u4f60\u4e5f\u540c\u610f\u4fee\u7406\uff0c\u90a3\u4f60\u5c31\u6709\u8cac\u4efb\u652f\u4ed8\u4e00\u534a\u7684\u4fee\u7406\u8cbb\u7528\u3002 \u00a0 \u554f\uff1a\u53ef\u662f\u6211\u7684\u9130\u5c45\u6c92\u554f\u904e\u6211\u5c31\u81ea\u5df1\u6c7a\u5b9a\u4fee\u7406\u4e86\uff0c\u90a3\u6211\u9084\u9700\u8981\u4ed8\u90a3\u4e00\u534a\u7684\u8cbb\u7528\u55ce\uff1f 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\u53bb\u5e747\u67083\u65e5\uff0c\u52a0\u5dde\u653f\u5e9c\u901a\u904e\u4e26\u7531\u5dde\u9577\u5e03\u6717\u7c3d\u7f72\u4e86\u300c\u5c4b\u4e3b\u4eba\u6b0a\u6cd5\u300d(Homeowners Bill Of Rights)\uff0c\u4eca\u5e74\u5e741\u67081\u65e5\u6b63\u5f0f\u751f\u6548\u3002\u8a72\u6cd5\u7684\u4e3b\u8981\u53d7\u76ca\u8005\uff0c\u539f\u5247\u4e0a\u662f\u5168\u52a0\u5dde\u9762\u81e8\u6cd5\u62cd\u7684\u5c4b\u4e3b\uff0c\u4f46\u662f\u5f9e\u5927\u5c64\u9762\u4f86\u770b\uff0c\u537b\u662f\u5168\u9ad4\u7684\u52a0\u5dde\u5c45\u6c11\u3002\u773e\u6240\u9031\u77e5\uff0c\u5927\u91cf\u6cd5\u62cd\u5c4b\u6e67\u5165\u5e02\u5834\u6703\u8cb6\u4f4e\u623f\u50f9\uff0c\u6709\u7919\u65bc\u623f\u5e02\u7684\u5fa9\u7526\uff0c\u800c\u623f\u5b50\u662f\u5927\u591a\u6578\u4eba\u7d2f\u7a4d\u8ca1\u5bcc\u4e4b\u8655\uff0c\u623f\u5b50\u8cb6\u503c\u6709\u640d\u6d88\u8cbb\u8005\u7684\u4fe1\u5fc3\uff0c\u5247\u5f71\u97ff\u7d93\u6fdf\u7684\u6210\u9577\u3002 \u8a72\u6cd5\u5f8b\u7684\u76ee\u7684\u5728\u65bc\u514b\u5236\u9280\u884c\u7684\u4e0d\u7576\u6cd5\u62cd\u884c\u70ba\uff0c\u7c21\u7a31\u70ba\u300c\u6feb\u62cd\u300d\u3002\u9280\u884c\u7684\u300c\u6feb\u62cd\u300d\u884c\u70ba\u65bc2009\u5e74\u6700\u70ba\u7316\u7357\uff0c\u5c24\u5176\u56b4\u91cd\u7684\u554f\u984c\u662f\u300c\u96d9\u8ecc\u9053\u300d\u6cd5\u62cd\u653f\u7b56\uff08Dual Tracking\uff09\uff0c\u5b83\u662f\u6307\u9280\u884c\u4e00\u65b9\u9762\u5354\u52a9\u5c4b\u4e3b\u4fee\u6539\u8cb8\u6b3e\u6216\u77ed\u552e\u623f\u5b50\u4f86\u907f\u514d\u6cd5\u62cd\uff0c\u53e6\u4e00\u65b9\u9762\u537b\u99ac\u4e0d\u505c\u8e44\u7684\u5b8c\u6210\u6cd5\u62cd\u7a0b\u5e8f\u3002\u9019\u500b\u653f\u7b56\u5df2\u6210\u70ba\u4e86\u904e\u53bb\u6cd5\u62cd\u7387\u8fc5\u901f\u589e\u9577\u7684\u300c\u7f6a\u9b41\u798d\u9996\u300d\u3002 \u5176\u6b21\uff0c\u5c31\u662f\u9280\u884c\u7684\u8667\u640d\u6e1b\u8f15\u90e8\u9580\uff08Loss Mitigation Department\uff09\u56e0\u4eba\u624b\u4e0d\u8db3\uff0c\u800c\u7f3a\u4e4f\u55ae\u4e00\u63a5\u89f8\u9ede\uff08Single Point Of Contact\uff09,\u3002\u6848\u5b50\u7531\u6578\u4f4d\u8077\u54e1\u7d93\u624b\u8655\u7406\u3002\u9019\u5f80\u5f80\u4e0d\u50c5\u5e36\u4f86\u9280\u884c\u8207\u5c4b\u4e3b\u4e4b\u9593\u7684\u6e9d\u901a\u5931\u6557\uff0c\u800c\u4e14\u4e5f\u5c0e\u81f4\u6587\u4ef6\u907a\u5931\u3002\u4f8b\u5982\uff0c\u5c4b\u4e3b\u7d93\u5e38\u9047\u5230\u4e0d\u540c\u9280\u884c\u8077\u54e1\u63a5\u96fb\u8a71\uff0c\u4ed6\u5011\u63d0\u4f9b\u4e0d\u4e00\u81f4\uff0c\u751a\u81f3\u65bc\u76f8\u53cd\u7684\u8a0a\u606f\uff0c\u6216\u5c4b\u4e3b\u88ab\u544a\u77e5\u6587\u4ef6\u5df2\u7d93\u9f4a\u5168\uff0c\u7136\u800c\u904e\u5e7e\u5929\u5f8c\u537b\u63a5\u5230\u901a\u77e5\uff0c\u8981\u6c42\u88dc\u4ef6\uff0c\u540c\u6a23\u4e00\u4efd\u6587\u4ef6\uff0c\u7d93\u5e38\u8981\u50b3\u9001\u597d\u5e7e\u6b21\u624d\u6700\u7d42\u80fd\u78ba\u4fdd\u5df2\u9001\u9054\u3002 \u300c\u5c4b\u4e3b\u4eba\u6b0a\u6cd5\u300d\u7684\u5b97\u65e8\u5728\u65bc\u6539\u9769\u52a0\u5dde\u6cd5\u62cd\u6cd5\u5f8b\uff0c\u4ee5\u78ba\u4fdd\u5c4b\u4e3b\u5728\u67d0\u4e00\u500b\u7a0b\u5ea6\u4e0a\u80fd\u5920\u70ba\u4f4f\u5c4b\u4fdd\u7559\u4e00\u500b\u4e3b\u6b0a\u3002\u5982\u679c\u4e0d\u5e78\u56e0\u81ea\u5df1\u6216\u89aa\u5c6c\u5931\u696d\u3001\u751f\u75c5\u3001\u6216\u6b7b\u4ea1\uff0c\u800c\u906d\u9047\u8ca1\u52d9\u56f0\u96e3\uff0c\u6700\u5f8c\u4ed8\u4e0d\u8d77\u623f\u8cb8\uff0c\u800c\u9762\u81e8\u6cd5\u62cd\uff0c\u9019\u500b\u6cd5\u5f8b\u7d66\u4e88\u5c4b\u4e3b\u4e00\u4e9b\u6642\u9593\uff0c\u8003\u616e\u662f\u5426\u5728\u4e0d\u7d93\u6cd5\u62cd\u7684\u60c5\u6cc1\u4e0b\uff0c\u5c07\u623f\u5b50\u812b\u624b\u3002 \u5982\u679c\u6c7a\u5b9a\u4e0d\u812b\u624b\uff0c\u5c4b\u4e3b\u6703\u5177\u6709\u5145\u4efd\u7684\u6a5f\u6703\uff0c\u8a66\u5716\u7533\u8acb\u4fee\u6539\u8cb8\u6b3e\uff0c\u5229\u7528\u964d\u606f\u6216\u672c\u91d1\u6216\u964d\u5169\u8005\u7684\u65b9\u6848\uff0c\u628a\u6708\u4ed8\u6e1b\u4f4e\u5230\u53ef\u8ca0\u64d4\u7684\u7a0b\u5ea6\uff0c\u8abf\u964d\u4e4b\u5f8c\u7684\u6708\u4ed8\uff0c\u5728\u8a31\u591a\u653f\u5e9c\u652f\u63f4\u7684\u65b9\u6848\u4e0b\uff0c\u4e00\u822c\u4e0d\u53ef\u8d85\u904e\u6bcf\u6708\u4efd\u6bdb\u6536\u5165\u768430%\u5de6\u53f3\u3002\u82e5\u7533\u8acb\u4fee\u6539\u8cb8\u6b3e\u4e0d\u6210\u529f\uff0c\u5247\u4ecd\u7136\u6709\u6a5f\u6703\u5b8c\u6210\u77ed\u552e\uff0c\u4ee5\u907f\u514d\u6cd5\u62cd\u3002\u96d6\u7136\u77ed\u552e\u6216\u6cd5\u62cd\u4e4b\u5f8c\uff0c\u5c4b\u4e3b\u662f\u4fdd\u7559\u4e0d\u4f4f\u623f\u5b50\u7684\uff0c\u4f46\u662f\uff0c\u5f9e\u672a\u4f86\u91cd\u8fd4\u623f\u5e02\u8cfc\u5c4b\u7684\u89d2\u5ea6\u800c\u8a00\uff0c\u77ed\u552e\u6bd4\u8d77\u6cd5\u62cd\u597d\u5f97\u591a\uff0c\u4e00\u3001\u77ed\u552e\u4e4b\u5f8c\uff0c\u5c4b\u4e3b\u53ea\u9700\u7b49\u5169\u5e74\uff0c\u5373\u53ef\u518d\u5408\u683c\u7533\u8acb\u5177\u6709\u653f\u5e9c\u64d4\u4fdd\u7684\u4f4e\u5229\u7387\u50b3\u7d71\u623f\u8cb8\uff0c\u53cd\u4e4b\uff0c\u82e5\u8b93\u9280\u884c\u5b8c\u6210\u6cd5\u62cd\uff0c\u5247\u8981\u7b49\u9577\u9054\u4e03\u5e74\u7684\u6642\u9593\u624d\u80fd\u4eab\u6709\u6b64\u8cc7\u683c\uff0c\u4e8c\u3001\u70ba\u4e86\u9f13\u52f5\u77ed\u552e\uff0c\u653f\u5e9c\u4e5f\u6709\u6240\u898f\u5b9a\uff0c\u77ed\u552e\u5f8c\uff0c\u5c4b\u4e3b\u7684\u4fe1\u7528\u8a18\u9304\u4e0d\u6703\u56e0\u66fe\u7d93\u77ed\u552e\u800c\u906d\u53d7\u56b4\u91cd\u885d\u64ca\u3002 \u9451\u65bc\u4ee5\u4e0a\u539f\u5247\uff0c\u300c\u5c4b\u4e3b\u4eba\u6b0a\u6cd5\u300d\uff0c\u91dd\u5c0d\u6cd5\u62cd\u7a0b\u5e8f\u4f5c\u51fa\u6539\u5584\uff0c\u5099\u7f6e\u591a\u65b9\u9762\u7684\u6642\u9593\u53ca\u901a\u77e5\u7b49\u56b4\u683c\u8981\u6c42\u3002\u65b0\u6cd5\u898f\u5b9a\uff0c\u9280\u884c\u958b\u59cb\u6cd5\u62cd\u524d\uff0c\u5fc5\u9808\u4ee5\u66f8\u9762\u53ca\u96fb\u8a71\u7684\u901a\u77e5\uff0c\u7d66\u4e88\u5c4b\u4e3b\u9078\u64c7\uff0c\u5229\u7528\u4fee\u6539\u8cb8\u6b3e\uff08loan modification\uff09\u3001\u77ed\u552e(short sale)\u6216\u4e0d\u7d93\u6cd5\u62cd\u653e\u68c4\u7522\u6b0a\uff08deed in lieu\uff09\u7b49\u65b9\u5f0f\uff0c\u4f86\u89e3\u6c7a\u6cd5\u62cd\u554f\u984c\u3002 \u65b0\u6cd5\u56b4\u683c\u7981\u6b62\u300c\u96d9\u8ecc\u9053\u300d\u6cd5\u62cd\u653f\u7b56\u3002\u4e00\u65e6\u5c4b\u4e3b\u7372\u5f97\u9069\u7576\u901a\u77e5\uff0c\u800c\u4e14\u5df2\u7d93\u9078\u64c7\u4ee5\u4fee\u6539\u8cb8\u6b3e\u7684\u65b9\u5f0f\u4f86\u907f\u514d\u6cd5\u62cd\uff0c\u9280\u884c\u5c31\u6709\u7fa9\u52d9\u99ac\u4e0a\u505c\u6b62\u6cd5\u62cd\uff0c\u4f46\u524d\u63d0\u689d\u4ef6\u5728\u65bc\u5c4b\u4e3b\u7684\u7533\u8acb\u6587\u4ef6\u5fc5\u9808\u9f4a\u5168\u3002\u6839\u64da\u300c\u5c4b\u4e3b\u4eba\u6b0a\u6cd5\u300d\u6240\u63d0\u4f9b\u7684\u5b9a\u7fa9\uff0c\u53ea\u8981\u5c4b\u4e3b\u5728\u9280\u884c\u6307\u5b9a\u7684\u671f\u9650\u5167\uff0c\u6e96\u6642\u628a\u6240\u6709\u9280\u884c\u5177\u9ad4\u8981\u6c42\u7684\u6587\u4ef6\u50b3\u905e\u7d66\u9280\u884c\uff0c\u5c4b\u4e3b\u7684\u4fee\u6539\u8cb8\u6b3e\u7533\u8acb\u6587\u4ef6\u5c31\u7b97\u300c\u9f4a\u5168\u300d\uff0c\u610f\u601d\u5c31\u662f\u8aaa\uff0c\u9280\u884c\u4e0d\u80fd\u96a8\u610f\u85c9\u7533\u8acb\u6587\u4ef6\u4e0d\u300c\u9f4a\u5168\u300d\u70ba\u7531\uff0c\u62d2\u7d55\u505c\u6b62\u6cd5\u62cd\uff0c\u51fa\u723e\u53cd\u723e\u3002\u4e00\u65e6\u6587\u4ef6\u88ab\u9280\u884c\u80af\u5b9a\u70ba\u300c\u9f4a\u5168\u300d\uff0c\u7533\u8acb\u6a94\u6848\u5c31\u88ab\u8f49\u5165\u627f\u92b7\u90e8\u9580\uff08Underwriting Department\uff09\uff0c\u9032\u5165\u5be9\u6838\u968e\u6bb5\u3002\u4e00\u822c\u9700\u8981\u7b49\u5019\u5e7e\u500b\u6708\u7684\u6642\u9593\u3002\u9019\u6bb5\u671f\u9593\u5167\uff0c\u627f\u92b7\u4eba\u54e1\u53ef\u80fd\u96a8\u6642\u5411\u5c4b\u4e3b\u8981\u6c42\u88dc\u4ef6\uff0c\u4e26\u8b49\u5be6\u5c4b\u4e3b\u662f\u5426\u5408\u683c\u4fee\u6539\u8cb8\u6b3e\u3002\u5be9\u6838\u904e\u7a0b\u4e2d\uff0c\u9280\u884c\u5fc5\u9808\u64a4\u92b7\u6240\u6709\u6cd5\u62cd\u7a0b\u5e8f\u3002 \u5047\u5982\u5c4b\u4e3b\u88ab\u9451\u5b9a\u4e0d\u5408\u683c\u4fee\u6539\u8cb8\u6b3e\uff0c\u9280\u884c\u5c31\u5fc5\u9808\u767c\u51fa\u62d2\u7d55\u66f8\u7d66\u5c4b\u4e3b\uff0c\u800c\u4e14\u5217\u51fa\u5177\u9ad4\u7406\u7531\uff0c \u4e26\u901a\u77e5\u5c4b\u4e3b\u6709\u6b0a\u53ca\u5982\u4f55\u4e0a\u8a34\u3002\u540c\u6642\uff0c\u62d2\u7d55\u66f8\u4e5f\u5fc5\u9808\u89e3\u91cb\uff0c\u5c4b\u4e3b\u53ef\u4ee5\u9078\u64c7\u900f\u904e\u77ed\u552e\u6216\u5176\u4ed6\u9014\u5f91\u4f86\u907f\u514d\u6cd5\u62cd\u3002\u9280\u884c\u767c\u51fa\u62d2\u7d55\u66f830\u5929\u4ee5\u5167\uff0c\u4e0d\u53ef\u4ee5\u7e7c\u7e8c\u6cd5\u62cd\u3002\u4f46\u662f\uff0c\u904e\u4e8630\u5929\uff0c\u82e5\u5c4b\u4e3b\u4e0d\u53ca\u6642\u70ba\u4fee\u6539\u8cb8\u6b3e\u63d0\u51fa\u4e0a\u8a34\uff0c\u6216\u8005\u8981\u6c42\u900f\u904e\u5176\u4ed6\u9014\u5f91\u5982\u77ed\u552e\uff0c\u907f\u514d\u6cd5\u62cd\uff0c\u9280\u884c\u5c31\u53ef\u4ee5\u7e7c\u7e8c\u6cd5\u62cd\u623f\u5b50\u3002 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