Teresa and Joe Giudice are clearly having money issues ... their Jersey Shore home is going up on the auction block Tuesday, and the starting bid is $100 ... TMZ has confirmed.

The home has been in foreclosure and the Giudice's owe $348k to HSBC Banks. If the bank accepts a bid, the buyer has to cough up 20% on the spot, either in cash or certified check.

The house is a little over 1300 square feet.