您的地產經濟人如果是專業的經濟人,應該知道如何處理,您所說的情況,您的經濟人的反應是有一些奇怪,然而個人會建議您讀一下下面有關 titile insurance 的資料. (這個資料是來自南加的一個商業廣告,但是寫得簡單但是清楚,值得您看一看)個人會建議您考慮購買一個 titile insurance
(賣方會有這樣的條款的一個可能是賣方並不是第一任屋主,所以不能不加上這個條款來防止任何未知的問題)
資料來源
http://caltitle.com/titleins.asp
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The Basics
What is Title Insurance?
Title insurance is a contractual obligation that protects against losses that occur when title to a property is not free and clear of defects (e.g. liens, encumbrances and defects that were unknown when the title policy was issued). The terms of the policy define what risks are covered and what risks are excluded from coverage. The title insurer will reimburse you for losses that are covered, up to the face amount of the policy, and any related legal expenses. This protection is effective as of the issue date of the policy and covers defects arising prior to your ownership. Title companies issue policies on all types of real and personal property. Two types of title insurance policies for real property are common: a lender's policy and an owner's policy.
Who Should Purchase Title Insurance?
Lenders require title insurance as a condition for your loan. Two types of policies are available: an owner’s policy and a lender’s policy. A lender’s policy insures that the lender’s security interest in the property has priority over claims that others may have in your property. A lender’s policy does not protect you. Similarly, the prior owner’s policy does not protect you. If you want to protect yourself from claims by others against your new home, you will need an owner’s policy. An owner’s policy insures the buyer for as long as he or she owns the property. This protection is limited to the value of the property. It is usually less expensive to purchase a lender’s policy and owner’s policy at the same time from the same title insurer. Contact your California Title Sales Representative for additional information.
How Much Title Insurance Will I Need?
The homebuyer should insure the full purchase price of the property; the lender only requires title insurance to cover the amount of your loan..
Who Pays the Premium for the Title Policy?
In California, settlement practices vary from locality to locality. The party that pays the title premium is a matter of local custom and practice and not set by law. Depending upon the region, the premium for a title insurance policy can be paid by the buyer or the seller or split between both parties. In Southern California, the seller customarily pays the premium for title insurance. In Northern California, the buyer customarily pays the premium for title insurance, or occasionally the premium is split between buyer and seller. In almost every county, the buyer pays the lender’s policy premium. The parties are free to negotiate a different allocation of fees. Your escrow officer can advise you as to who normally pays the premium in your area
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