v******g
发帖数: 1651 | 1 2000多快。。。
本来就不准备买的，但是怕不小心搞黄了loan，但是close之后，可以跟title compnay
说要cancel吧？就像cancel普通的insurance一样。。。 |
W**********r
发帖数: 8927 | |
W**********r
发帖数: 8927 | |
K******g
发帖数: 1870 | 4 这是什么意思啊
【在 W**********r 的大作中提到】
: 直接全Cash买吧，给你贷款的银行不是傻瓜
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W**********r
发帖数: 8927 | 5 买过房子么？
【在 K******g 的大作中提到】
: 这是什么意思啊
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s*********3
发帖数: 2890 | 6 Owner title insurance是不可以cancel的， 因为这个是one time event。一过户的时
候，这个title insurance的事就做完了，并且一直有效， 一直到这个房子下次买卖的
时候，再需要order。为什么要cancel？保护你的自身利益啊。
Lender title insurance 是做loan的时候才要买。Cash 买家不必买的。
compnay
【在 v******g 的大作中提到】
: 2000多快。。。
: 本来就不准备买的，但是怕不小心搞黄了loan，但是close之后，可以跟title compnay
: 说要cancel吧？就像cancel普通的insurance一样。。。
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K******g
发帖数: 1870 | 7 买了也不懂什么意思
只是知道为了防止有人在home owner不知情的情况下把房子卖给别人了
但是我不理解为什么会有这种情况发生
即使有这种情况发生，那他们的交易是非法的，管我什么事情呢，为什么要我付钱？
【在 W**********r 的大作中提到】
: 买过房子么？
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l******c
发帖数: 2555 | 8 without title insurance, you may pay $1,000,000 but get nothing, because the
seller is not the owner of the property
example, tenants sell the rental property to you
【在 K******g 的大作中提到】
: 买了也不懂什么意思
: 只是知道为了防止有人在home owner不知情的情况下把房子卖给别人了
: 但是我不理解为什么会有这种情况发生
: 即使有这种情况发生，那他们的交易是非法的，管我什么事情呢，为什么要我付钱？
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K******g
发帖数: 1870 | 9 这不是搞笑么？没有title还买房子啊？在交易的时候，为什么lender或者title公司不
去查一下呢？这难道不是变着法子收钱吗？还强制性的，呵呵
the
★ 发自iPhone App: ChineseWeb 7.8
【在 l******c 的大作中提到】
: without title insurance, you may pay $1,000,000 but get nothing, because the
: seller is not the owner of the property
: example, tenants sell the rental property to you
|
v******g
发帖数: 1651 | 10 好吧，有人说能，有人说不能。。。
不明白什么是owner titile insurance的就别来凑热闹了。。。
compnay
【在 v******g 的大作中提到】
: 2000多快。。。
: 本来就不准备买的，但是怕不小心搞黄了loan，但是close之后，可以跟title compnay
: 说要cancel吧？就像cancel普通的insurance一样。。。
|
|
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v******g
发帖数: 1651 | 11 我知道是onetime，但是美国几乎任何东西都可以cancel，尤其是insurance。。。大华
买的活螃蟹倒是不能cancel。。。
【在 s*********3 的大作中提到】
: Owner title insurance是不可以cancel的， 因为这个是one time event。一过户的时
: 候，这个title insurance的事就做完了，并且一直有效， 一直到这个房子下次买卖的
: 时候，再需要order。为什么要cancel？保护你的自身利益啊。
: Lender title insurance 是做loan的时候才要买。Cash 买家不必买的。
:
: compnay
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s*********3
发帖数: 2890 | 12 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 owner's title insurance的title
company 破产了怎么办？
【在 K******g 的大作中提到】
: 买了也不懂什么意思
: 只是知道为了防止有人在home owner不知情的情况下把房子卖给别人了
: 但是我不理解为什么会有这种情况发生
: 即使有这种情况发生，那他们的交易是非法的，管我什么事情呢，为什么要我付钱？
|
s*********3
发帖数: 2890 | 13 没有生效部分可以cancel。譬如说， 今天你买了一年的汽车保险，下个月要求cancel
，保险公司会退还你11个月的保费， 但是过去的那一个月那部分就不能退了。因为已
经consume 掉了。而owner‘s title insurance是一分钟就consume 掉了。
【在 v******g 的大作中提到】
: 我知道是onetime，但是美国几乎任何东西都可以cancel，尤其是insurance。。。大华
: 买的活螃蟹倒是不能cancel。。。
|
l******c
发帖数: 2555 | 14 Silly question,
you need pay money to hire others to check the title. That's the title
insurance fee
Why you do not check the title your self? because others do not trust you.
【在 K******g 的大作中提到】
: 这不是搞笑么？没有title还买房子啊？在交易的时候，为什么lender或者title公司不
: 去查一下呢？这难道不是变着法子收钱吗？还强制性的，呵呵
:
: the
: ★ 发自iPhone App: ChineseWeb 7.8
|
l******c
发帖数: 2555 | 15 Q. I'm buying a home and the lender insists that I buy a title insurance
policy before it will give me the loan. Now my real estate agent tells me
that I should buy a policy for myself, too. This seems like overkill. The
house I'm buying is only five years old, and the sellers are original owners
. Is the agent right, and if so, why do I need this insurance?
--Hillsborough, Calif.
A. Imagine that you've bought and settled in to this house. One day, a woman
knocks on your door and says that she and her husband had split up shortly
before he put the house on the market, and that he forged her name on the
deed. She says the sale was invalid and that she's still the owner—and she
wants you out. You and the woman go to court where she proves that her story
is true. She gets the house back, and you are evicted. Meanwhile, the
husband has vanished with the money from the sale.
Or imagine that you discover after closing that there are "clouds" against
the title, like liens for unpaid contractor bills (called "mechanic's liens"
), legal judgments or taxes. Or perhaps you learn that a former owner has a
life estate in the property.
Any of these situations could happen to the buyers of any house, even
relatively new ones purchased from original owners. That's why most lenders
won't fund a mortgage unless the buyer purchases a title insurance policy to
protect it (but not you) from losses due to such claims. And that's why I
believe that you should have a separate policy, too.
During a title search, a professional examiner searches through public
records, either in person or online, looking not just at the chain of
ownership but also at other issues that might affect whether title can be
cleanly delivered to a future owner, such as undisclosed leases or
restrictive covenants that affect how a property can be used. In many cases,
should a problem be found, the title company will quietly fix it. Once the
title is clean or "marketable," the underwriters will issue a policy that
essentially says that it will defend the policyholder's title in court
should anyone challenge it.
The lender's policy is attached to the mortgage, so should you refinance,
you will have to purchase them another one. The owner's policy is attached
to the property, however, so you won't have to buy another one as long as
you own the home. Whether the seller or buyer pays for an owner's policy is
typically a matter of local custom, but it can be negotiated as part of the
purchase. Since costs vary widely, it pays to shop around for the best rate.
To be sure, some people argue that because public records can be searched so
easily by computer these days, title insurance is a rip-off. They maintain
that because the incidence of claims is so low, the cost, which can top $1,
000 in some areas (paid in a one-time premium at closing), is unconscionable
. Indeed, citing high costs, Iowa has created its own title guarantee
program. Other states have launched investigations into title insurance
companies that give kickbacks or other inducements to agents who recommend
them.
Despite these problems, I think an owner's title insurance policy is a
necessary evil. Sure, it's not very likely that a wronged spouse or a long-
lost heir is going to turn up at your doorstep, but if you are unlucky
enough to find yourself in that situation, you will be very glad that you
have that policy
compnay
【在 v******g 的大作中提到】
: 2000多快。。。
: 本来就不准备买的，但是怕不小心搞黄了loan，但是close之后，可以跟title compnay
: 说要cancel吧？就像cancel普通的insurance一样。。。
|
l******c
发帖数: 2555 | 16 ask yourself, how do you know the seller is the owner of the property?
the owner may be on vacation, others forged the ID card and signature and
sell the house to you, get the cash check, run away
When the owner comes back, you will be evicted if no inurance
compnay
【在 v******g 的大作中提到】
: 2000多快。。。
: 本来就不准备买的，但是怕不小心搞黄了loan，但是close之后，可以跟title compnay
: 说要cancel吧？就像cancel普通的insurance一样。。。
|
v******g
发帖数: 1651 | 17 那你咋知道卖insurance给你的人真的是卖insruance的呢。。。他也可能是个骗子
【在 l******c 的大作中提到】
: ask yourself, how do you know the seller is the owner of the property?
: the owner may be on vacation, others forged the ID card and signature and
: sell the house to you, get the cash check, run away
: When the owner comes back, you will be evicted if no inurance
:
: compnay
|
j*****t
发帖数: 5475 | 18 this happened to me with my recent sale on the east coast. somehow the title
company for my purchase did a lousy job years ago and did not discharge the
previous owner's mortgage properly. this came up during the title search
and we had to file a claim to my title insurance company. instances like
this are rare but when it does happen, the owner's title insurance comes in
handy.
2000多快。。。本来就不准备买的，但是怕不小心搞黄了loan，但是close之后，可以
跟title compnay说要cancel吧？就像cancel普通的insurance........
【在 v******g 的大作中提到】
: 那你咋知道卖insurance给你的人真的是卖insruance的呢。。。他也可能是个骗子
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w*******e
发帖数: 395 | 19 我反而觉得你很silly，你会花2000多刀请人帮你去查title吗？
查title不是很容易吗？如果很麻烦，那问题就在于为什么在科技这么发达的今天，查
个有public纪录的title这么麻烦呢？
制度的问题，但是强迫别人去买单，呵呵。
【在 l******c 的大作中提到】
: Silly question,
: you need pay money to hire others to check the title. That's the title
: insurance fee
: Why you do not check the title your self? because others do not trust you.
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