过户时注意事项

您通过贷款审查了!只差过户这个阶段,那梦想家园即将成为你所拥有!过户时到底会发生什么事情,要注意什么呢?

谁会在?
在过户时有几个人在场,有时一个人会担任多职。

  • 您的律师(如果有聘请)

  • 卖方的律师(如果有聘请)

  • 您的房地产经纪人(非必须)

  • 卖方房地产经纪人(非必须)

  • 过户公证人

过户时会发生什么事情?

  • 签所有的贷款合约。过户公证人会一一解释每个签字的地方大约在说些什么,但还是要再三确定内容。

  • 您提出屋主保险费Homeowner's Insurance

  • 与检查报告的文件(因状况而异)

  • 您交出依照指示请银行开出的Cashier's Check,包含了头款,过户费,预付利息、税、保险等。也能用电会的方式付款(因状况而异)

  • 贷款公司或银行拨款于过户公证人

  • 有些贷款公司会要求您设立Impound Account预留帐户,每个月预先扣下保险与地产税等,帮您代缴。

过户时签什么合同?

  1. 信托Deed of Trust或Mortgage抵押契据

  2. 本票Promissory Note

  3. 贷款内容明细表Closing Disclosure

 

 

贷款内容明细表(CD)内包含了贷款所承担的一切费用、期限、利率等,仔细阅读该费用,如果发现数字与预期有所差异,马上连络贷款公司或银行。

 

 

过户一般要多长时间?
由于过户时有很多文件要签,最好准备数个小时。
 

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The interest rate you pay on a mortgage is the single biggest factor in your monthly payments. The higher the mortgage rate, the more you will pay over the life of the home loan. It is thus very important for you to compare mortgage rates when you shop for a loan. At Valley View Home Loans our experienced Loan Advisors are ready to help. Call us or apply online and we will help with the rest. © 2017 Bay-Valley Mortgage Group, Inc. DBA Valley View Home Loans and Pacific Bay Lending Group. All Rights Reserved. NMLS # 192103. NMLS CONSUMER ACCESS . Licensed by the California Bureau of Real Estate.