通知体制美国诚德律师事务所.pptVIP

Real Estate Transactionsin U.S. PRESENTED BY: ALBERT J.C. CHANG CHANG COTE, LLP 美国诚德律师事务所 GENERAL PROCEDURE Make an Offer Negotiate Purchase Sale Contract Pay Initial Deposit Establish Holding Company (if needed) Open Escrow Title Insurance Secure financing (loans RESPA) Conduct Due Diligence (appraisal/inspection/title legal document review) Negotiate Amendments Payment of Purchase Price (transfer funds to the US) Closing (Title Recorded) 总体流程 要约 协议 和买卖合同 支付订金 建立控股公司（如果有需要的话） 设立产权过户手续 产权保证保险 寻求资金 执行财务法律尽职调查（评价、估量、权益和法律文件的检查） 协商修正案 价款的支付（将资金转移到美国） 完成过户手续 Offer Contract Real Estate Broker (optional) Represents Buyer only, seller only or both Fees are negotiable, generally paid by seller Must be in writing to be enforceable Govern by Federal and state laws Standard form or long form Negotiate terms such as price, closing date, warranties, loan other contingencies Discrimination is prohibited Certain disclosures are mandated by law Flood zone, earthquake area, structure or legal issues, hazardous materials 要约与合同 房地产代理商（可选择的） 仅代表买家、仅代表卖家或者是两者兼具 费用是可以协商确定的，通常由卖家支付 合同必须以书面形式 由联邦和州法律控制 标准形式或非标准格式 关于价格、不动产交易交割日期、保证书、贷款以及一些意外事故的协议 禁止歧视 某些披露是被法律授权的 水灾区、地震区、 危险的原料 Finance Payment Initial deposit generally 3 to 5% Bank loans generally covers 50 to 100% generally last either 15 or 30 years appraisal is required by the bank (option by the buyer) banks must comply with RESPA (the Real Estate Settlement Procedures Act) full disclosure of costs of the loan, payment, related companies, etc. Balance of purchase price generally due 1 to 2 business days prior to closing 资金筹措支付 通常的最初保证金为3 %到 5% 银行贷款 基本覆盖率为50%至100% 基本的持续时间为15年至30年 评估由银行来执行（选择权由购买者来决定) 银行必须履行不动产全转让条例的相关手续(the Real Estate Settlement Procedures Act不动产权转让程序） 完全的公开贷款的费用, 支付情况，有利益关系的公司, etc. 支付价格的差额大体上是由于之前一两个交易日价格的差异所决定的 Title Vesting Determine title vesting Sole owner Joint owners Joint Tenancy with right of survivorship Tenants in Common General Partnership Limited Part