关于各种Deed类型

Deed,简单来说,就是房屋产权转让。

一般有这么几种:

  • General Warranty Deed
  • Bargain and Sale Deed (CAG)
  • Bargain and Sale Deed
  • Quitclaim Deed

General Warranty Deed

General Warranty Deed,有时干脆简称为Warranty Deed,中文可以翻译为“完全担保地契”,是一种最完善的地契转让书。

卖方,也就是Grantor,证明自己拥有该地产的全部所有权﹐并永远保证拥有该地产的权力。一旦有人控告,或对不动产产权有所质疑,不论控告人对产权的质疑是源于多久以前,也不论这种瑕疵是转让人自己或以前房主之行为造成,转让人都会为他的产权作辩护,并弥补产权上的任何暇疵,以保证买方(Grantee)的产权不受其影响。

因为这种Deed对卖方实在是太严苛了,所以极少使用。

Bargain and Sale Deed with covenants against grantor’s acts (CAG)

这种Deed是新泽西州房产买卖交易使用的标准地契转让书。

这种地契转让书只担保转让人(卖方)是合法拥有这个房子的所有权,转让人在自己拥有房子期间没有做出任何有损其价值的事。如果有任何人因为转让人自己的行为而对这地产有质疑,转让人需要负责,但这种地契并不担保转让人以前的主人是否曾造成产权的瑕疵。

一般通过结合Title Search和Title Insurance来给买方带来全面的保护。

Bargain and Sale Deed

这种地契转让书只担保转让人(卖方)是合法拥有这个房子所有权,除此之外没有任何保障。

在新泽西,一般Foreclosure和Tax Sale都是用的这种Bargain and Sale Deed。

Quitclaim Deed

Quitclaim Deed是一种没有任何担保的土地契约,转让人(Grantor)只是放弃他“称为是他的财产”的不动产所有权,但并不曾担保自己就是真正的所有人,也不会为地产所有权中出现的任何问题作辩护。

如果转让人有产权的完全所有权,以Quitclaim Deed 转让的产权也将是完全所有权。但如果转让人对产权没有任何权力,那通过Quitclaim Deed转让的就是不值分文的一份材料罢了。

是不是感觉Quitclaim Deed很没用?其实不然,假设你需要把配偶、子女的名字加到title上,Quitclaim Deed就很适合。Quitclaim Deed一般用于产权没有争议的交易中,常见的比如,夫妻间将产权于一方转到另一方,或者把家人的名字加到title上。

因为Quitclaim Deed有一个最大的好处是,办理极其方便,自己DIY都可以,填几个表,公证一下,拿到County去备案一份就可以了。如果嫌麻烦,让律师去做,一般费用也不高,$500左右。下次我抽空整理一篇攻略,教Hudson County(包括Jersey City, Hoboken)的大家怎么DIY quitclaim deed。

很显然,正规买卖地产时不会用Quitclaim Deed。

那么Deed是不是就是房产证?

不是的。Deed只是产权转让,而且像上面介绍的,不同类型的deed差别很大,像Quit Claim Deed,连转让方是否真实拥有产权也无法保证。

那么什么是房产证呢?

在新泽西,下面几个东西可以看做类似国内的房产证概念:

  • Title Insurance Policy – 新泽西买房一般都会买这个insurance,title insurance公司会给你寄一个policy package到家,这个东西不要丢掉,它可以证明你是房子的主人。
  • County记录 – 至少在新泽西,每一个房子的交易都会拿去county里面做一个记录(county record),这些记录是永久保存的。对于绝大多数房子,从房子兴建后第一次出售到今天的记录,都在county专门的办公室保管,中间连一天的gap也没有。也是因为county record的完备存在,大家就算没有保存title insurance copy也没有关系。

Take-away

可以这样理解,新泽西(美国每个州的情况都略有不同)没有国内那样的房产证小本本,产权的记录会由County Register Office做完备记录,这个记录不用买家或者卖家操心,你所雇用的title agency,mortgage lender, attorney都会去做这件事。收到了Title Insurance Policy可以保存起来,如果没保存也无所谓。

同样是买房、卖房,美国的法律法规和国内有很多不一样的地方,甚至美国的不同州规定也不尽相同,这就是我们房产经纪能提供价值的地方之一。在从看房开始到最终过户的每一步中,我都会解答你的任何疑问并向你推荐靠谱的律师、贷款银行经纪人,可以电话、email或者微信随时沟通。

Subscribe
Notify of
guest
27 Comments
Oldest
Newest Most Voted
Inline Feedbacks
View all comments
Bambu4d
4 months ago

Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.

pengeluaran taiwan
4 months ago

naturally like your web site however you need to take a look at the spelling on several of your posts. A number of them are rife with spelling problems and I find it very bothersome to tell the truth on the other hand I will surely come again again.

Bambu4d Daftar
3 months ago

Cool that really helps, thank you.

Bambu4d
3 months ago

Don’t forget to watch videos on the YouTube channel Bambu4d

Bambu4d Vip
3 months ago

I do not even understand how I ended up here, but I assumed this publish used to be great

Bambu 4d
2 months ago

Hi! I’m at work surfing around your blog from my new iphone 4! Just wanted to say I love reading your blog and look forward to all your posts! Keep up the fantastic work!

uPVC pipe supplier
2 months ago

توفر أنابيب HDPE من مصنع إيليت بايب Elite Pipe مقاومة ممتازة للمواد الكيميائية والتآكل والضغط البيئي ، مما يجعلها مثالية لمجموعة واسعة من التطبيقات.

Bambu4d VIP
2 months ago

Dead indited articles, Really enjoyed looking through.

Nonton Film Gratis
2 months ago

actually awesome in support of me.

Slot Demo Habanero
2 months ago

This is my first time pay a quick visit at here and i am really happy to read everthing at one place

كاوية لحام ساكو

تم تصميم تركيبات المصنع من البولي فينيل كلوريد (uPVC) مع الاهتمام الدقيق بالتفاصيل ، مما يضمن اتصالات آمنة ومحكمة تقلل من مخاطر التسرب أو الأعطال. إيليت بايب Elite Pipe

Octagon
1 month ago

This was beautiful Admin. Thank you for your reflections.

Bambu4d
1 month ago

Good post! We will be linking to this particularly great post on our site. Keep up the great writing

Bambu4d Slot
1 month ago

I think the content you share is interesting, but for me there is still something missing, because the things discussed above are not important to talk about today.

triple wall hdpe pipe
1 month ago

كمورد موثوق به في صناعة البلاستيك ، أنشأ إيليت بايب Elite Pipe شراكات طويلة الأمد مع العملاء الذين يقدرون منتجاتهم عالية الجودة وأدائهم الموثوق.

Bambu 4d
1 month ago

I very delighted to find this internet site on bing, just what I was searching for as well saved to fav

triveni hdpe and dwc pipes

تخضع تجهيزات مصنع إيليت بايب Elite Pipeلعمليات مراقبة جودة صارمة للتأكد من أنها تلبي متطلبات الأداء والمتانة الأكثر صرامة.

1 1 4 plastic pipe
1 month ago

With a focus on excellence, Elitepipe Plastic Factory has gained a reputation for producing top-notch HDPE and uPVC products that meet rigorous quality standards. Elitepipe Plastic Factory

trackback
fue
1 month ago

fue

[…]please stop by the web pages we comply with, including this 1, as it represents our picks in the web[…]

Demo Slot Pragmatic
1 month ago

Awesome! Its genuinely remarkable post, I have got much clear idea regarding from this post

APK Bambu4d
18 days ago

Awesome! Its genuinely remarkable post, I have got much clear idea regarding from this post

Prediksi Kamboja
15 days ago

Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.

Bambu4d
15 days ago

Hello colleagues, how is everything, and what you want

bambu4d rtp
14 days ago

That’s good, but I still don’t understand the purpose of this page posting, no or what and where do they get material like this.

slot gmw
9 days ago

naturally like your web site however you need to take a look at the spelling on several of your posts. A number of them are rife with spelling problems and I find it very bothersome to tell the truth on the other hand I will surely come again again.

Slot Online
6 days ago

I gotta favorite this web site it seems very helpful invaluable

Prediksi Kamboja
5 days ago

I very delighted to find this internet site on bing, just what I was searching for as well saved to fav

27
0
Would love your thoughts, please comment.x
()
x