{"id":1402,"date":"2019-06-26T17:13:13","date_gmt":"2019-06-26T17:13:13","guid":{"rendered":"https:\/\/www.flyhomes.com\/blog\/?p=1402"},"modified":"2021-11-10T21:44:43","modified_gmt":"2021-11-10T21:44:43","slug":"the-closing-process-of-buying-a-house-in-the-united-states","status":"publish","type":"post","link":"https:\/\/flyhomes.com\/blog\/mandarin\/the-closing-process-of-buying-a-house-in-the-united-states\/","title":{"rendered":"\u7f8e\u56fd\u4e70\u623f\u8fc7\u6237closing\u6d41\u7a0b\uff0c\u4f60\u5fc5\u987b\u8981\u77e5\u9053\u7684\u4e8b~"},"content":{"rendered":"\n<p>\u7f8e\u56fd<strong>\u4e70\u623f\u8fc7\u6237<\/strong>\u8981\u5e72\u4ec0\u4e48\uff1f\u5f88\u591a\u4eba\u7ecf\u5386\u4e86\u60ca\u5fc3\u52a8\u9b44\u7684\u4e70\u623f\u62a2offer\uff0c\u7ec8\u4e8e\u6210\u4ea4\u641e\u5b9a\u540e\u8fd8\u662f\u4e00\u5934\u7591\u95ee\u3002\u5b9e\u9645\u4e0a\uff0c\u4e70\u623f\u8fd8\u6ca1\u6709\u771f\u6b63\u7ed3\u675f\u3002 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class=\"wp-block-heading\">Escrow\u662f\u4ec0\u4e48\uff1f<\/h5>\n\n\n\n<p><strong>Escrow\u4e2d\u6587\u662f\u201c\u7b2c\u4e09\u65b9\u6258\u7ba1\u201d\uff0c\u7b80\u5355\u6765\u8bf4Escrow\u662f\u4e2a\u7c7b\u4f3c\u4e8e\u201c\u652f\u4ed8\u5b9d\u201d\u7684\u7b2c\u4e09\u65b9\uff0c\u4e00\u822c\u5356\u5bb6\u5728\u5356\u623f\u5b50\u4e4b\u524d\u5df2\u7ecf\u9009\u597d\u4e86Escrow\u516c\u53f8\u5e76\u4e14\u5f00\u4e86\u8d26\u6237\u3002<\/strong><\/p>\n\n\n\n<p>\u6c47\u5230\u54ea\u91cc\u5462\uff1fEscrow\u4f1a\u53d1\u7ed9\u4f60\u6c47\u6b3e\u7684\u8d26\u6237\u4fe1\u606f\uff0c\u5173\u6ce8Escrow\u7684\u90ae\u4ef6\u5c31\u597d\u4e86\u3002\u4f60\u53ef\u4ee5\u9009\u62e9<\/p>\n\n\n\n<p>\uff081\uff09\u7f51\u4e0a\u8f6c\u8d26 <\/p>\n\n\n\n<p>\uff082\uff09\u53bb\u67dc\u53f0\u8981\u6c42banker\u5e2e\u4f60\u64cd\u4f5c <\/p>\n\n\n\n<p>\uff083\uff09\u5199\u4e00\u5f20cashier\u2018s check\u76f4\u63a5\u9001\u5230Escrow\u7684\u529e\u516c\u5ba4\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0cEscrow\u4e00\u822c\u540c\u65f6\u4e5f\u662f\u4e2aTitle\u516c\u53f8\uff0c\u5728\u623f\u4ea7\u4ea4\u6613\u4e2d\u5904\u7406\u4e24\u5927\u5173\u952e\u95ee\u9898\uff1a<\/p>\n\n\n\n<p>\uff081\uff09\u4ea7\u6743\u662f\u5426\u6e05\u6670\u53ef\u552e\u3002\u5982\u679c\u4ea7\u6743\u662f\u4f2a\u9020\u7684\u3001\u4ea7\u6743\u767b\u8bb0\u65f6\u53d1\u751f\u9519\u8bef\u3001\u623f\u5c4b\u88ab\u4ed6\u4eba\u4fb5\u5360\u7b49\u7b49\uff0c\u90a3\u4e48\u4e70\u65b9\u5c06\u5377\u5165\u65e0\u6b62\u5883\u7684\u7ea0\u7eb7\u5f53\u4e2d\u3002<\/p>\n\n\n\n<p>\uff082\uff09\u4ea4\u6613\u8d44\u91d1\u662f\u5426\u5b89\u5168\u3002\u5047\u5982\u6ca1\u6709\u8fd9\u4e2a\u7b2c\u4e09\u65b9\uff0c\u4ea4\u4e0a\u53bb\u7684\u5b9a\u91d1\u4e07\u4e00\u9047\u4e0a\u4e0d\u9760\u8c31\u7684\u7ecf\u7eaa\u4eba\uff0c\u5377\u94b1\u9003\u8dd1\u4e86\uff0c\u4e70\u65b9\u5c31\u8981\u767d\u767d\u5730\u906d\u53d7\u5de8\u5927\u7684\u635f\u5931\u3002\u6709\u4e86Escrow 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class=\"wp-block-heading\">\u4e70\u623f\u8fc7\u6237\u7b2c2\u6b65-\u529e\u8d37\u6b3e<\/h2>\n\n\n\n<p>\u62ff\u7740\u6210\u4ea4\u7684\u4e70\u623f\u5408\u540c\uff0c\u6bd4\u8f83\u7740\u6025\u7684\u4e8b\u513f\u662f\u5c3d\u5feb\u627eLender\u8981quote\u3002\u5f53\u62ff\u5230\u51e0\u5bb6Lender\u7684quotes\u505a\u4e86\u4e00\u756a\u6bd4\u8f83\u4e4b\u540e\uff0c\u5c31\u8981\u51b3\u5b9a\u4e00\u5bb6\u5408\u4f5c\u7684Lender\u4e86\uff0c\u8ba9\u4ed6\u4eec\u7ed9\u4f60lock rate\uff0c\u5e76\u6b63\u5f0f\u5f00\u59cb\u529e\u7406\u8d37\u6b3e\u3002<\/p>\n\n\n\n<p>100\u4e07\u7684\u623f\u5b50\uff0c20%\u9996\u4ed8\u7684\u60c5\u51b5\u4e0b\uff0c3.75%\u6bd43.5%\u5229\u7387\uff0c\u4e09\u5341\u5e74\u4e00\u5171\u591a\u4ed84\u4e07\u591a\u7684\u5229\u606f\u3002\u4f46\u662f\u5149\u770b\u5229\u606f\u662f\u4e0d\u591f\u7684\uff0c\u5176\u5b83\u8d39\u7528\u4e5f\u5f88\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\u8fd9\u91cc\u9762\u6d89\u53ca\u5230\u975e\u5e38\u591a\u7684\u8d39\u7528\uff0c\u600e\u4e48\u7efc\u5408\u6bd4\u8f83\u8fd9\u4e9b\u8d39\u7528\uff0c\u6311\u51fa\u6700\u597d\u7684\u62a5\u4ef7\uff0c\u662f\u4e00\u95e8\u5b66\u95ee\u3002\u8fd9\u4e9b\u8d39\u7528\u7b97\u4e0b\u6765\uff0c\u4e0d\u540c\u94f6\u884c\u4e4b\u95f4\u80fd\u76f8\u5dee\u51e0\u5343\u5230\u4e00\u4e07\u3002<\/p>\n\n\n\n<p>\u7ed9\u51fa\u76f8\u540c\u5229\u7387\u7684\u4e0d\u540c\u8d37\u6b3e\u516c\u53f8\uff0cclose\u65f6\u5019\u7684\u8d39\u7528\u53ef\u80fd\u76f8\u5dee\u51e0\u5343\uff1b\u4e24\u5bb6\u8d37\u6b3e\u516c\u53f8\u7ed9\u7684\u770b\u8d77\u6765\u76f8\u5dee\u5f88\u5927\u7684\u62a5\u4ef7\uff0c\u53ef\u80fd\u6700\u540e\u5b9e\u9645\u8d39\u7528\u6240\u5dee\u65e0\u51e0\u3002<\/p>\n\n\n\n<p>\u5f88\u591a\u6709\u201c\u5c0f\u5fc3\u673a\u201c\u7684\u8d37\u6b3e\u673a\u6784\u4f1a\u628a\u5f88\u591a\u56fa\u5b9a\u8d39\u7528\u5199\u7684\u5f88\u4f4e\uff0c\u5047\u88c5\u81ea\u5df1\u7684\u62a5\u4ef7\u5f88\u4e0d\u9519\u3002\u6240\u4ee5\uff0c\u5206\u6790\u8d37\u6b3e\u673a\u6784\u7684\u62a5\u4ef7\u9700\u8981\u706b\u773c\u91d1\u775b\u548c\u5341\u8db3\u7ecf\u9a8c\u3002<\/p>\n\n\n\n<p>\u6b63\u5f0f\u8d37\u6b3e\u4ee5\u540e\uff0c\u5982\u679c\u4e4b\u524d\u6ca1\u505a\u8fc7underwriting\uff0clender\u80af\u5b9a\u8981\u4f60\u63d0\u4f9b\u5404\u79cd\u6587\u4ef6\u505aunderwriting\u3002\u6240\u4ee5\u6211\u4eec\u5f3a\u70c8\u5411\u5927\u5bb6\u5efa\u8bae\uff0c\u5728\u4ea4offer\u4e4b\u524d\u5c31\u8ba9Lender\u505a\u597dunderwirrting\uff0c\u65e2\u589e\u52a0\u81ea\u5df1\u4ea4offer\u65f6\u7684\u53ef\u4fe1\u5ea6\uff0c\u53c8\u80fd\u5728\u7ed9\u4e70\u623f\u8fc7\u6237\u7701\u65f6\u95f4\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e70\u623f\u8fc7\u6237\u7b2c3\u6b65-Escrow\u7684Buyer Package<\/h2>\n\n\n\n<p>Escrow\u901a\u5e38\u7b2c\u4e00\u5929\u6216\u8005\u7b2c\u4e8c\u5929\u5c31\u4f1a\u7ed9\u4f60\u53d1\u4e00\u4efd\u8868\u683c\uff0c\u53ebBuyer Package\uff0c\u8981\u6c42\u7edf\u8ba1\u4f60\u7684\u5404\u9879\u4fe1\u606f\uff0c\u8fd9\u4efd\u65e2\u662fEscrow\u7edf\u7b79\u5404\u79cd\u60c5\u51b5\u7528\uff0c\u540c\u65f6\u4e5f\u662f\u4e3a\u4ea7\u6743\u767b\u8bb0\u505a\u51c6\u5907\u3002<\/p>\n\n\n\n<p>Escrow\u901a\u5e38\u8981\u6c42\u4f60return ASAP\uff0c\u91cc\u9762\u8981\u4f60\u586b\u5199\u4f60\u6240\u4f7f\u7528\u7684\u8d37\u6b3e\u673a\u6784\u548c\u623f\u5c4b\u4fdd\u9669\u516c\u53f8\u3002\u4f46\u662f\u4f60\u8fd8\u5728\u51c6\u5907\u4e2d\uff0c\u80af\u5b9a\u6ca1\u529e\u6cd5\u7acb\u523b\u586b\u5199\u597d\u3002\u4f60\u53ef\u4ee5\u56de\u590dEscrow\u8bf4\u6211\u7684\u8d37\u6b3e\u548c\u4fdd\u9669\u8fd8\u6ca1\u786e\u5b9a\uff0c\u5148\u628a\u90e8\u5206\u4fe1\u606f\u56de\u8fc7\u53bb\uff1b\u4e5f\u53ef\u4ee5\u7b49\u4e00\u6bb5\u65f6\u95f4\u518d\u56de\u590d\u4ed6\u4eec\u8fd9\u4e2a\u8868\u683c\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e70\u623f\u8fc7\u6237\u7b2c4\u6b65-\u4e70\u623f\u5c4b\u4fdd\u9669<\/h2>\n\n\n\n<p>\u4ece\u666e\u904d\u610f\u4e49\u4e0a\u6765\u8bf4\uff0chome insurance\u5305\u62ec\u4e86\u4e00\u4e2a\u623f\u5b50\u6709\u53ef\u80fd\u7ecf\u5386\u7684\u79cd\u79cd\u610f\u5916\u3002\u4ee5\u7f8e\u56fd\u6700\u5927\u7684\u4fdd\u9669\u516c\u53f8\u4e4b\u4e00\uff0cState Farm\u4e3a\u4f8b\uff0c\u4ed6\u4eec\u63d0\u4f9b\u7684home insurance\u653f\u7b56\uff0c\u6db5\u76d6\u4e86\u4ee5\u4e0b\u60c5\u51b5\u5f15\u53d1\u7684\u635f\u5931\uff1a<\/p>\n\n\n\n<p>\u81ea\u7136\u56e0\u7d20\uff1a\u66b4\u98ce\u96ea\u3001\u66b4\u98ce\u96e8\u3001\uff08\u81ea\u7136\u539f\u56e0\u5bfc\u81f4\u7684\uff09\u706b\u707e\u3001\u98ce\u707e\u3001\u51b0\u96f9\u3001\u96f7\u66b4\u3001\u4e25\u5bd2\u3001\u51bb\u96e8\u3001\u96ea\u707e\u548c\u96e8\u5939\u96ea\u5929\u6c14\uff1b<\/p>\n\n\n\n<p>\u4eba\u4e3a\u56e0\u7d20\uff1a\u76d7\u7a83\u3001\u4eba\u4e3a\u635f\u574f\u3001\u66b4\u4e71\u3001\u98de\u673a\u6216\u8f66\u8f86\u5f15\u53d1\u7684\u635f\u5931\uff1b<\/p>\n\n\n\n<p>\u610f\u5916\u60c5\u51b5\uff1a\u6c34\u7ba1\u7834\u635f\u3001\u52a0\u70ed\/\u5236\u51b7\u7cfb\u7edf\u5931\u7075\u3001\u77ed\u8def\u7b49\u5f15\u8d77\u7684\u635f\u5931\u3002<\/p>\n\n\n\n<p>\u8d2d\u4e70\u4fdd\u9669\u7684\u5f62\u5f0f\u5f80\u5f80\u7c7b\u4f3c\u4e8e\u7533\u8bf7\u8d37\u6b3e\uff1a\u5c31\u662f\u5230\u5904\u627equotes\u3002\u65e2\u53ef\u4ee5\u53bb\u4fdd\u9669\u516c\u53f8\u7684\u7684\u7f51\u7ad9\u76f4\u63a5\u8d2d\u4e70\uff0c\u4e5f\u53ef\u4ee5\u627e\u4e00\u4e2a\u4fdd\u9669agent\u4ee3\u4e3a\u8d2d\u4e70\u3002<\/p>\n\n\n\n<p>\u5728\u64cd\u4f5c\u4e0a\uff0c\u9996\u5148\u8981\u627e\u5230\u4e00\u5bb6\u503c\u5f97\u4fe1\u8d56\u7684\u4fdd\u9669\u516c\u53f8\uff1a\u5728\u7f8e\u56fd\u5e02\u573a\u4e0a\uff0c\u5e38\u89c1\u7684\u5927\u724c\u516c\u53f8\u90fd\u53ef\u4ee5\u505a\u623f\u5c4b\u4fdd\u9669\uff0c\u4f8b\u5982Allstate, State Farm, Geico, Progressive, Costco\uff1b<\/p>\n\n\n\n<p>\u5176\u6b21\uff0c\u5982\u679c\u5728\u8d2d\u4e70\u623f\u5c4b\u4e4b\u524d\u5df2\u7ecf\u6709\u4e70\u5230\u5176\u4ed6\u7c7b\u578b\u7684\u4fdd\u9669\uff0c\u4f8b\u5982\u8f66\u9669\u3001\u79df\u623f\u4fdd\u9669\u7b49\uff0c\u5c31\u53ef\u4ee5\u8003\u8651\u53bb\u505a\u4e00\u4e2abundle\uff1abundle\u4e4b\u540e\u7684\u4fdd\u9669\u4ef7\u683c\u5f80\u5f80\u5f88\u6709\u7ade\u4e89\u529b\uff01<strong>\u6240\u4ee5\u6211\u4eec\u4e00\u822c\u5efa\u8bae\u987e\u5ba2\u90fd\u4ece\u81ea\u5df1\u7684\u8f66\u9669\u516c\u53f8\u5f00\u59cb\u95ee\u8d77\u54e6\uff5e<\/strong><\/p>\n\n\n\n<p>\u6700\u540e\uff0c\u5728\u7533\u8bf7\u4fdd\u9669\u7684\u65f6\u5019\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u95ee\u5230\u5173\u4e8e\u623f\u5b50\u5404\u79cd\u5404\u6837\u7684\u95ee\u9898\uff0c\u6bd4\u5982\u623f\u9876\u6750\u6599\uff0c\u5730\u57fa\u6784\u9020\u7b49\u7b49\uff0c\u540c\u5b66\u4eec\u7ecf\u5e38\u89c9\u5f97\u65e0\u4ece\u4e0b\u624b\u3002<strong>\u4e70\u5bb6\u9700\u8981\u53c2\u8003\u623f\u5c4b\u7684<a href=\"https:\/\/www.flyhomes.com\/blog\/house-inspection\/\">inspection report<\/a>\u6216\u8005appraisal report\u6765\u586b\u5199\u8be6\u7ec6\u7684\u623f\u5c4b\u4fe1\u606f\u3002<\/strong><\/p>\n\n\n\n<p>\u623f\u5c4b\u4fdd\u9669\u7684\u5177\u4f53\u8d2d\u4e70\u65b9\u6cd5\u548c\u8d2d\u4e70\u65f6\u95f4\u53ef\u4ee5\u770b\u8fd9\u91cc\uff1a<\/p>\n\n\n\n<p><a href=\"http:\/\/mp.weixin.qq.com\/s?__biz=MzA4NDgxNzU0Nw==&amp;mid=2247483777&amp;idx=1&amp;sn=e2374a64540930698b6ca85061ef1af9&amp;chksm=9fe02265a897ab7311a512e63a16c45a09dd1069ebde05d1d587f66ff759beabc94c9ad0145c&amp;scene=21#wechat_redirect\" target=\"_blank\" rel=\"noreferrer noopener\">Flyhomes\u7684Home Insurance \u5fc5\u4fee\u8bfe<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 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