题目
Fran Martin obtains a non-recourse mortgage loan for $500,000. One year later, when the outstanding balance of the mortgage is $490,000, Martin cannot make his mortgage payments and defaults on the loan. The lender forecloses on the loan and sells the house for $315,000. What amount is the lender entitled to claim from Martin?
选项
A.$0.
B.$175,000.
C.$185,000.
答案
A
解析
： A is correct. Because the loan has a non-recourse feature, the lender can only look to the underlying property to recover the outstanding mortgage balance and has no further claim against the borrower. The lender is simply entitled to foreclose on the home and sell it. ： A是正确的。由于贷款具有无追索权的特点，贷款人只能向标的财产追偿未偿抵押贷款余额，对借款人没有进一步的债权。贷款人有权取消房屋赎回权并将其出售。