l**********g
发帖数: 426 | 1 照理省去6%的MLS LISTING commission，应当稍微低点价才对，或者持平也能接受，或
者高10%也能理解（自己的房当然惜售）;而实际上可不是高20%, 30%的问题，是经常高
50%，甚至double.
比如最近拨通一个附近“sell by owner”牌子的电话问价格，1.1Million, 边上房子
一般是 60-70万成交。
现在redfin上我直接filter "sale by owner".
其实我是想将来卖房试试SALE BY OWNER，比MLS低3%出价，买卖家各得一半3%优惠。不
过现在想想SALE BY OWNER是不是一块臭到不行的牌子，代表mean，贪婪 |
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C******g
发帖数: 1230 | 2 当初只填了个一个owner，在registered agent的位置填的是owner的名字，
是不是说不用agent的话，就在agent的位置上写owner呢，看网站解释就说填agent，没
说owner哪里填呀 |
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c**i
发帖数: 6973 | 3 纷争和解中餐馆老板获丰厚遗产. BBC Chinese edition, June 30, 2008.
A British old lady, Golda Bechal who died in 2004 at the age of 89,
bequeathed 10 million pounds, which currently is $20 million, to the owner
of a London restaurant. They first met in 1967 when the owner was 13, who is
now 54. The trial court ruled in favor of the owner and the losing party
had to pay a heft sum to the owner for court cost. (In UK, a loser in a
court case paid the winner. In US, as a rule of the thumb each pays for his
own cou |
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y*****3
发帖数: 195 | 4 在Closing时,我的律师说了很多理由说大家一般都买owner title insurance.否则会怎
么怎么.而且我的Realtor也说必须买.所以就花了$1600多买了.最近才发现,这个owner
title insurance是律师自己起草的,而且insurance policy只保留在律师手中.不给我
这个owner.原因是因为title发生错误的机率很小,所以insurance policy不需要给
owner.但如果我想要,也可以给我一份copy.我觉得有点奇怪,既然我买的insurance为什
么policy不给我,要我想要才给我?还有,既然title发生错误的机率很小,为什么一定要
鼓动我买呢?大家买房都是这样的吗? |
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c**m
发帖数: 1457 | 5 【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: HMW8 (王红梅), 信区: MA_Mortgage_Realestate
标 题: 关于For Sale By Owner
发信站: BBS 未名空间站 (Mon Nov 3 09:23:36 2014, 美东)
有很多屋主希望能够通过For Sale By Owner, 省下seller agent Commission. 有少数
的的确达到目的, 省了一些Commission. 但是有很多适得其反, 或者以低价卖出, 或
着最好还是通过中介出手. 本文的重点在于分析For Sale By Owner 可能有的弊端:
1.当购房者看到房子 是For Sale By Owner 时. 他们的第一反应是，你要省掉 卖家代
理中介费. 他们觉得即便你按市场价卖房, 你最后到手的钱数也会比市场价高. 他们希
望分享一些是“利润” ，因而往往会给出较低的报价;所以你最后节省有限;
2.房子是由业主出售，所以买家往往怀疑你关于房子的陈述，他们会认为你的观点是主
观的而非客观的; 并且有时买方因为担心你... 阅读全帖 |
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C*********5
发帖数: 420 | 6 I am living in Orange county. My mom, 67 year old, came from oversea to
visit me. Last month, on a early Sunday morning, while she walk along
street, neighbor’s dog ran out, and knock her down on the street. Her
head and should hit the street, and she felt great pain in head, and
was shaking for a hour.
The dog’s owner does not want to go to hospital with us. But offered
$150. I said I don’t want to that money, I want the dog owner pay
whatever medical expense is. I took her to the nearby eme... 阅读全帖 |
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s******l
发帖数: 333 | 7 【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: sisangel (sisangel), 信区: TonyXuClub
标 题: 在加州买房谁出owner's/lender's insurance policy?
发信站: BBS 未名空间站 (Sun Sep 11 00:06:48 2011, 美东)
seller agent是我们的dual agent。他要求我们必须使用他的escrow agent, Chicago
title Co. 而且owner's/lender's insurance policy都要我们来付。这个是加州的惯
例吗？在living版上看，好像有些州是seller买。
这个是seller agent报给我的报价：
Chicago Title Co rates:
Escrow fee $918
Owners insurance policy $1593
Lenders insurance policy $711
房价$ 633,750, down pay 20%. 他的这个报价算是公道吗？本来应该自己打电话各个
title公司去问一圈，但是正... 阅读全帖 |
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s*********3
发帖数: 2890 | 8 先科普一下吧：
http://en.wikipedia.org/wiki/Title_insurance
简单地来说，是为了防止一个物业在反复转手当中， 突然有一个第三者黑马杀出来说
，这个房子他也有份。如果经法院认证他的claim 是有效的，那么由此引起的经济损失
，可以向owner‘s title insurance的issuer claim。
譬如说最初的owner是A，在他持有这个房子的期间，他把房子的一半interest卖给了B
，有合同，有收费记录，并且全部公正过，也许是私下买卖，没有到county去登记，
也许去登记过， 但是county搞错了， 搞丢了，若干年后，A卖给了C, B也不知道， 再
过若干年后， C卖给D。。。， D卖给F...，F卖给G. 突然B发现了，来claim
ownership。如果经法院认证B的claim 是有效的， G就可以 file a title claim.这种
情况可以一直追溯到第一个owner，100年， 200年前出的错也可以claim。
实战中，这种情况非常非常少见。
Homework:如果到claim的时候， 那个issue o... 阅读全帖 |
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h*h
发帖数: 27852 | 9 Q&A with Warriors owner Joe Lacob
Steinmetz: Kings midseason review
Joe Lacob and Peter Guber have been in control of the Warriors for two
months now.Jan. 20, 2011
STEINMETZ ARCHIVE
WARRIORS PAGE | WARRIORS VIDEO
Matt Steinmetz
CSNBayArea.com
OAKLAND -- I had a chance to sit down with Warriors owner Joe Lacob on
Thursday afternoon at the team’s offices in downtown Oakland. Lacob, who
has owned the Warriors since Nov. 12, touched on a variety of subjects.
Matt Steinmetz: You’ve owned the team f... 阅读全帖 |
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t***u
发帖数: 20182 | 10 从Rich到Wealthy
http://247sports.com/Bolt/Could-Peyton-Manning-Become-an-NFL-Ow
According to a report from CBS Sports NFL Insider Jason La Canfora, there
are growing rumors that current Broncos QB could soon be linked to an
ownership group with possible interest of purchasing an NFL Franchise.
Manning, the former Tennessee Volunteers quarterback and all around state
legend, might have interest in following in the footsteps of current mentor
John Elway. Peyton, with ties to current Browns owner Jim... 阅读全帖 |
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b*****x
发帖数: 3786 | 11 哪里都有吧。 这个案里也没说 gun owner 有权为了保护财产而开枪，
gun owner 说其中一个喊着要杀他。 personally i think it's bs.
谁会去偷东西的时被发现还喊着要杀人呢？ 最多自接开枪杀人 （我想这个案件
里那些贼可能都没开枪）， 所以 gun owner 用了这个 excuse.
当然就算没喊， 贼手里拿着枪， 威吓感也足够让 owner 合法开枪了。 |
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R******d
发帖数: 5739 | 12 http://autos.yahoo.com/blogs/motoramic/nissan-leaf-owner-arrest
Electric vehicles no longer count as spaceships of the road; last month
alone, U.S. automakers sold about 10,000 vehicles with a plug, and a few
like the Nissan Leaf have become commonplace. Unfortunately for those owners
, the methods of charging such cars hasn't kept pace with their growth;
there's only about 6,800 public charging stations nationwide, and it's not
uncommon for an EV owner to have to ask for some spare juice.
But w... 阅读全帖 |
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G******e
发帖数: 9567 | 13 有人同意吗？
http://www.telegraph.co.uk/science/science-news/7165164/Cat-owners-more-educated-than-dog-owners.html
People with cats are more likely to have university degrees than those with
dogs, according to a scientific survey of pet ownership.
The study also revealed that the combined cat and dog population of Britain
is more than 20.8 million - 50 per cent higher than previously thought.
Researchers at the University of Bristol say that the superior intelligence
of cat owners is unlikely to be ca |
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l******e
发帖数: 1875 | 14 我们在协议上注明了“***(这个装修公司名字)“ includes the company owners, any
associate, subcontractors, successors, heirs, assigns and any employee of
the company.
然后，对方签字的人为该装修公司的两个owners中一个（和我在几个月前签项目合同的
也只是他），在该owner名字下写有“on behalf of ***(这个装修公司名字)”。对方
律师没有签字。但是在双方商议协议的整个互相email沟通过程中，都是该律师出面在
和我们联系。
以上这样的签字人应该没什么问题吧？
另外签字的方式是我们签完字后 scan了，用pdf形式email发给对方律师。之后对方律
师得到装修公司那个owner的签字后，又scan了，用pdf形式email给我们。
这样的签字方式应该符合规范要求把？不再需要纸面的签字了吧？ |
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x******i
发帖数: 148 | 15 My company owner wrote a Check $1000 for China earthquake Relief and give me
one minute ago.
My company name : Hissho Sushi
Business type: Family business
Size: less than 100 employee
Industry : Sushi service
Business owner: oversea chinese came from Burme
He just donated $1000 one week ago to Burness disaster, and today wrote
another check for $1000 to China Earthquake. I will sent the Check to SVTN
by today.
Hopefully, every business owner will like my Boss.
WWW.hisshoSushi.com |
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n*******w
发帖数: 6708 | 16 【 以下文字转载自 Living 讨论区 】
发信人: northsnow (慕容清杨), 信区: Living
标 题: 买房忘添HOME OWNER EXEMPTION，多缴的地税能要回来吗
发信站: BBS 未名空间站 (Mon Jul 14 10:46:06 2014, 美东)
去年买房，因为是第一次买房子，忙得北都找不到，觉得自己所有的手续都办齐了
结果前几天银行突然把我每个月的escorow涨了很多钱，
于是问一些买过房的有经验的同事，才知道需要添，忘记添了HOME OWNER EXEMPTION
因为没有添这个表，我去年7个月多缴了近1000多刀的property tax,
貌似因为今年已经过了4月15 日的deadline, 我今年交这个HOME OWNER EXEMPTION
form也来不及了
我今年一整年估计要多缴1800 多刀，
请问这个钱能否要回来啊，怎么要啊？
主要是房子close之后，一直到前几天才缴地税，然后银行ESCOROW的钱变化，我才知道
上网去查地税，发现地税不对，
没有经验，坑死我了，
请家版各位大侠前辈支招，不胜感激！！！ |
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l****z
发帖数: 29846 | 17 By CHUCK BENNETT
Last Updated: 5:38 AM, July 19, 2012
Posted: 1:17 AM, July 19, 2012
Share on emailShare on facebookMore Sharing ServicesMore Print
Small-business owners across the city are lashing out at President Obama,
saying they built their companies with their own money and sweat — and
without the government's help.
Their scathing reaction came after Obama, at a Virginia campaign stop last
Friday, launched an all-out assault on entrepreneurs:
“If you’ve got a business, you didn’t build tha... 阅读全帖 |
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l****z
发帖数: 29846 | 18 by Jammie
We’re still not sure what this guy was trying to prove with this stunt, as
his story has changed so many times it’s hard to keep track. If he was
trying to demonstrate how easy it was for a law-abiding citizen with no
criminal record to buy a weapon, then he did so. He also had to wait three
weeks to take possession and apparently the owner of the gun shop tired of
all the attention. Good for him. Now we’ll probably see the anti-gun left
complain about him having to wait so long to ta... 阅读全帖 |
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l****z
发帖数: 29846 | 19 By: Raquel Okyay
3/23/2014 03:02 PM
Garden State advocates for restoring gun rights are white knuckling as
Republican Gov. Christopher J. Christie decides how to game harsh gun
legislation Democrats dropped in his in box.
“Over 100 pro-gun right supporters attended the Assembly Law and Public
Safety committee hearing on March 13 and over 80 of us testified in great
detail against the magazine capacity ban,” said Frank Jack Fiamingo,
president of The New Jersey Second Amendment Society.
“We ma... 阅读全帖 |
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j****x
发帖数: 222 | 20 据我所知，不会因为换州而增加owner。
最近这2个月换的(一个4/26/2010, 一个5/26/2010, 都是不同州),title No.也都换了.
卖家说因为他刚刚搬到本地. 请问他说的可靠吗? 难道搬家会造成owner数目增加吗.
最近一次还显示purchase reported.这是不是骗子? 请大家指教.多谢! |
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g******l
发帖数: 31 | 21 发现有的车，autocheck记录里只有一个title，却提示是2 owners，怎么回事？
有的车，有3~4个title，但提示只有2 owners（这个我看记录，个人理解是dealer的
title不算owner）
请教。谢谢！ |
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g******l
发帖数: 31 | 22 今天看到一辆车，车主称自己是one owner，但是autocheck report上显示有2 owners
，却只记录了一个title。
后来问车主，他解释是自己当时银行贷款买的，银行算一个owner，现在lien clean了。
这个解释值得怀疑吗？ |
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RR
发帖数: 561 | 23 no, bank is lien holder. If owner does not pay loan, bank can take the car
back (repossess)
After repossess, bank is the owner
owners
了。 |
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p*******o
发帖数: 6791 | 24 看你5年后买车的买主, 如过五年后买你车的人像你这样, 肯定会 care 这个 fleet
owner 的title 的... 但是不是所有人都会care... 世界上啥样的人都有啊...
总的来说, 没有fleet owner 记录不会给你加分, 但是有fleet owner 记录的话, 很有
可能给你减分... |
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s**********s
发帖数: 4255 | 25 【 以下文字转载自 PhotoGear 讨论区 】
发信人: ssrttwmitbbs (好青年), 信区: PhotoGear
标 题: 租过owner房的有包子啦，超长求经验贴，摘要
发信站: BBS 未名空间站 (Fri Apr 15 22:21:24 2011, 美东)
摘要：租房直接联系broker，没见过房东，管理员，agent。根据broker说，流程是先交申请
和申请费，通过之后签合同。但是合同没见过，先交了申请的话岂不是俺的申请费主要是个人
信息都泄露了，还来个hard pull。到时候看合同不靠谱，岂不是郁闷了。
现在基本基本是空口无凭的状态，没见到过合同，东西坏了谁修都不知道。
往好的方面想，人家都是做1m房子的大交易的，应该不太容易贪俺着点小钱吧。
看上了一个condo，直接联系了broker，很nice的白人大妈。看了2次房，第二次的时候
以为直
接交了application就好了，结果她把表格给我说，填好了送给她。
她说她是代表我的利益和房东negotiate，所以一切好谈，但是当时讲价格的时候也就
讲下来
15块。。~1%。。。所以不太相信。
交申请的同... 阅读全帖 |
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L****1
发帖数: 598 | 26 我的车之前是以我的朋友为主，我是Co-Owner。实际上只是我在用，当时是用朋友的信
用记录。现在付清了，想去掉Co-Owner，我是唯一Owner。
请问是个怎样的办理手续？THX!!!!!!!! |
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r******y
发帖数: 12263 | 27 本来想着可以去owner家看看他是否有车库啥的，不过owner说约在沃尔玛看车试车了，
没法得到客观的观察了。
上次买车就挺好的，去owner家看见有船有车库还有三辆车，白人老夫妇让人挺放心的
。 |
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c****8
发帖数: 407 | 28 I did not say it must be "xzy"...
I know Dealer needs to cancel the deal within 3 days or so. They may require
to offer some warranty. No sure if the buyer can have way to force the
dealer to buy back because of problems. Maybe the dealer will take it back
for trading?
There are chance that it could be "Dealer Take Title" or just a carfax
mistake.
But the fact is that both 1st and 2nd owner can't stand with this car for 2
years, and can't wait to get rid of it... I will wonder why...especially i... 阅读全帖 |
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w*****0
发帖数: 38 | 29 车主说是从dealer那买的二手，carfax查到了3个owner,中间一个owner只有一个月，记
录是：
8/12/2010 California
Motor Vehicle Dept.
Los Angeles, CA Title issued or updated
New owner reported
Loan or lien reported
09/13/2010 20,491 Auto Auction
Pacific Region Listed as a manufacturer vehicle
Sold at auction
Millions of used vehicles are bought and sold at auction every year.
09/15/2010 Online Listing Vehicle offered for sale
Carfax链接是http://www.carfax.com/viewEmailReport.do?... 阅读全帖 |
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c****i
发帖数: 282 | 30 first owner purchased下面第一个comment是
Title issued or updated
First owner reported
Titled or registered as
personal vehicle
second owner purchased下面有一次loan reported
这样到底是不是同个人 |
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c****s
发帖数: 1427 | 31 Carfax现实Type of owner 开始是Corporate，四年后变成personal。
Title issued or updated
First owner reported
Titled or registered as
corporate vehicle
Loan or lien reported
卖家说前四年是贷款的的，paidoff后才转成personal的owner，这说法合理么 |
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m*****i
发帖数: 13 | 32 CARFAX显示车是1-owner的，但是车的前三年是Leasing的，
这样的车应该有可能不是1-owner啊？
我的理解是Leased车应该所有权还属于dealer
即使买了别人leased车，也是显示1-owner。
求牛人解答！谢谢！ |
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L*L
发帖数: 526 | 33 这个还真的不一定，这中情况一般是owner 比较贪， 价钱很难砍下来。不急着找agent
说明owner还能坚持，tough to deal with this kind of people
偶原来看上的一个房子（房子建的秀气精致， 又在一个大POND边上，面北背南），OWNER 两口子死不降价，偶也不是非买不可，卖了两年了， 房子还没卖掉。 |
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t*******e
发帖数: 29 | 34 原来自己住买的是Home owner insurance, 现在租出去要换保险吗? 打听了一圈发现
landlord的保险比home owner还贵, 所以想是不是就可以keep原来的Home owner
insurance?
多谢了! |
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v**n
发帖数: 130 | 35 最近搞了个owner financing, 总结了一下financing terms。 欢迎大家指点。
•Price - this is the obvious one I won't labor over it
•Interest rate - this impacts buyer’s monthly payments. of course
buyer would want lower interest rate and lower price, and seller would want
higher price and higher interest rate, but the reality is that for owner
financing deals, Neither one will/should get everything they want, so it
comes down to making a decision and negotiate between the two: As a seller,
they want higher ... 阅读全帖 |
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t**k
发帖数: 139 | 36 I bought my land from owner. You need to hire a lawyer to draft the contract.
Since you need a lawyer anyway for loan, you can use the same lawyer. They
could charge a bit more (like a couple of hundred in my case). The seller
should have a lawyer too (they should have similar worrys like if you don't
buy it after contract, etc.). When you pay deposit, you pay it to owner's
lawyer, not the owner himself. Normally there'll be no problem so don't worry.
home
will
professional |
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c*******y
发帖数: 3008 | 37 HOA bylaw有这么一条：
Landscaping – Area between the foundation of the townhouses
and the walk area to the entrance of the townhouses as well as
the areas in front of the townhouses, where replacement of all
plants/shrubs will be the responsibility of the owners. The
Association will be responsible for maintaining all plants/shrubs
and removing any dead plant matter and will assist owners with
their selection in replacing the dead material within a specified
time frame. If the owner does not replace p |
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s********t
发帖数: 32 | 38 We are going to close tomorrow for a 2006 SFH from the original owner.
We are tight in the cash, and don't want buy the owner's title insurance.
Also, the agent agrees that the owner's title insurance is NOT mendotory.
Did anyone do the same thing? Or are we just wrong not to buy it?
Thanks a lot for your advice!!! |
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m**D
发帖数: 134 | 39 我的contract里好像说如果我选择他们用的title insurance company，owner title
insurance就由seller出。那我可不可以通过贷款银行指定的公司买lender title
insurance，但是通过卖方指定的公司买owner title insurance？ 还是必须通过同一
家公司买？
purchaser may choose the title insurance company for closing. If purchaser
agrees to use the title insurance company utilized by the seller's attorney
or agent, then seller agress to pay for purchaser's owner's title policy.
Seller will not be obligated to pay any portion of the cost of an owern's
title policy if the policy is no |
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b********e
发帖数: 35 | 40 Does anybody ever use a mortgage lender called Sirva Mortgage? I am buying a
house which is being sold by its affiliate company Sirva Relocation. The
purchase price of the house is 350k. Sirva Mortgage gave me a loan estimate.
Everything looks good except Owner's title insurance cost a lot more than
lender's title insurance.
Title services and Lender's title insurace: $820.00
Owner's title insurance: $1826.00
Is this reasonable? Does anybody know why owner's title cost a lot more than
lend... 阅读全帖 |
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B******e
发帖数: 5730 | 41 通常房子有问题，极大的问题，foundation 之类的
owner 选择 for sale by owner
owner
forward.
and |
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a*****a
发帖数: 19 | 42 你说的是lender policy吧？那个是一定要买的。就是不清楚是否还需要买owner
policy？是不是我之前买的owner policy会一直cover as long as we are the owner? |
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p**5
发帖数: 2544 | 44 If I'm buying a newly built home, do I need owner title insurance? This is
optional, while lender's title insurance is required.
Since I am the first owner, buying the house from a builder, do I really to
have the owner title insurance? |
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y********a
发帖数: 159 | 45 seller选了owner title insurance company （简称A），但是现在title搞得不清不楚
，owner's title insurance还没办好。loan broker现在用自己的title company（简
称B）做lender's title insurance，因为这个title的问题，他们表示不能做lender‘
s title insurance，所以现在皮球踢到了A这边，因为他们要先把title问题搞明白。A
还有我们的律师以及agent都表示，如果A把title问题解决了，能做owner's title
insurance，跟着就能做lender’s title insurance，还说B不好打交道，希望我们能
用A做所有的title insurance。
想请问大家，这种情况下，能要求loan broker或者银行更换title company吗？A给的
lender's title insurance， 银行能接受吗？不知道对lender来讲，用哪家title
company有没有区别？还是说broker跟B之间有什么协议或者回扣之类... 阅读全帖 |
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s*****n
发帖数: 50 | 46 多谢大家的建议。总结一下的话，是找个房产律师避免交易过程中出现意外。
其实我作为买方，也乐意有个好中介从中帮着斡旋，就算由于中介费造成房价贵了10k
，放到30年里面，每个月也就是50刀不到。如果几年以后转手了，这个成本几乎可以忽
略不计。对于卖家，一次性被中介划走一大笔钱，确实够让她心疼的。
我的主要考虑是
1.区域较好，房源有限
2.该房是townhouse，正好周围有类似的townhouse也在卖。townhouse的差别也只是内部，所以感觉那个list price可以做个参考。
3.如果我坚持用中介，owner心里会总想commission的成本。估计双方更难谈成。
4.owner马上就搬到别的城市了
为了避免讲价时被owner打，我还是两手准备，一边谈，一边继续看房吧。 |
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r****4
发帖数: 309 | 47 看了一个房子，感觉挺好，就是卖方说要Owner Financing。Owner Financing的房子能
买吗？Owner Financing有什么trick? |
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r******d
发帖数: 1879 | 48 我刚刚替客人做完了一个Sale By Owner 的贷款.
Sale By Owner 的房子一般来说都是卖家想省一些中介的费用. 可是在处理买屋和贷款
的手续上, 基本和其他房子一样, 手续都不能省. 该提供的合同以及disclosure都要
提供. 所以buyer agent该做的工作都要有. 具体卖家给多少的酬金, 你要和他提前问
好, 并且你的代理认可. 通常Sale By Owner 的房子都是客人自己找到的, 自己做的功
课, 所以买方代理只是帮忙写个合同而已. 这种情况下, 自然买家代理认可低的酬金.
当然如果是通过买方代理联系到的deal, 那就另当别论了. 关键是多方认可即可.
这样的房子和一般房子无多大的差别, 因为所有的disclosure都要有, 所有的
inspection都要做, 因此不用太多担心.
【 在 ccccy (【〝O(o_o)O〞】) 的大作中提到: 】 |
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l*******i
发帖数: 890 | 49 new construction的房，第一次买房
今天从loan agency那儿拿到一个closing fee的summary。
其中owner's title insurance $1800。
之前从版上了解到，owner's title insurance 可以自己选择买或者不买。
也可以自己比较不同的title company，选一个比较便宜的。
但我今天这样跟loan agency说了之后，agency说不行，必须买，所有的real estate
都一定要买owner's title insurance的。
然后，还说不可以自己先title company。
请问是这样么？ |
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