Обманутые дольщики по-американски

kilativ — 19.04.2022 Five years ago, Donald Strayer thought he'd bought a dream home for his extended family. It was on a pretty spot in Ohio's Appalachian mountain foothills, with room for him and his wife, his daughter's family, plus their horses and goats. And he could actually afford it.
Strayer had been turned down for a bank loan because of bad credit — he says it's because of hospital bills years ago. The 58-year-old former forklift driver has a chronic lung disease and lives off disability. Instead of a regular mortgage, he signed what's known as a land contract directly with the seller.
The price was $39,900. For a down payment he sold his childhood home, which he inherited when his dad died, "the only thing I had in the whole world."
For years he made monthly payments of $350 on his new home. And then "one day the sheriff just showed up," he says. "It was foreclosed and they wanted to take my property."
It turned out the seller's family — to whom Strayer had been sending his payments — was keeping the money instead of paying down the mortgage. That left Strayer out a major investment, with no equity and no legal right to the property.
Отсюда

Для тех, кому не по караману американская ипотека, существуют разные способы покупки дома, но они все рискованые. Иногда бывает полная жесть. В данном примере человек "купил" дом у продавцов и регулярно посылал им чек с деньгами. А потом пришел шериф и выкинул его на улицу. Оказалось, что продавец просто карманил деньги и не платил за дом ипотеку, которая у него была на этот дом. Дом изъял банк, жилец оказался ни с чем - он вроде как "арендатор" в данном примере. Почему не взял нормальную ипотеку? Потому что плохая кредитная история из за госпитальных счетов, которые, как всякий знает, в Америке "можно не платить и ничего тебе не будет". И да, чувак лишился первоначального вклада.

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