英文资料级翻译

Buyers always ask how much of an earnest money deposit is required. Typically, there is no set requirement. In California, contracts must contain consideration to be valid, but that amount can be as little as one dollar. Laws in your state may be different. Bear in mind, however, that the amount of your earnest money deposit depends primarily on your marketplace and local custom.

What is an Earnest Money Deposit?

It's a good faith deposit but not to be confused with a down payment. When buyers execute a purchase contract, the contract specifies how much money the buyer is initially putting up to secure the contract, to show "good faith," and how much money all together will be deposited as a down payment. The balance is generally financed as a mortgage or a combination of mortgages. An earnest money deposit says to the seller:"Yes, I am serious enough about buying your house that I'm willing to put my money where my mouth is."

So, How Much is Enough?

Because there is no set amount, it varies from market to market and across the country. Where I work in California, deposits are generally 1 to 3 percent of the sales price. Buyers here do not often put down more than 3% since most sign a liquidated damages clause that limits the seller to 3% of the purchase price as damages in the event of a default. But it's not unusual for a buyer purchasing a $300,000 home to put down $1,000, especially if the buyer is obtaining 100% financing. In those scenarios, the deposit is most often refunded to the buyer and subsequently used as a credit toward closing costs because the financing makes up the entire purchase price.

If it's a seller's market, with many buyers fighting over limited inventory, it makes logical sense for the buyer to put down a much larger earnest money deposit to entice the seller to accept the offer. In buyer's markets, a larger earnest money deposit might entice a seller to accept a much lower purchase price. So you see, it all depends.

Be Careful to Whom You Give Your Earnest Money Deposit

A reader from New Brunswick, Canada, Sylvie Schriver, claims she lost her $2,500 earnest money deposit by handing it over to an individual who professed to be a real estate broker. She says the broker stole a brokerage's logo and business supplies to make it appear that he was legitimate; however, he vanished when Sylvie called to ask questions about her mortgage. When she reported the crook to the police, she then discovered that others had filed complaints. Sadly, at that point, Sylvie's money was gone.

Never give an earnest money deposit to the seller.

?Make the deposit payable to a reputable third party such as a well known real estate brokerage, legal firm, escrow company or title company.

?Verify that the third party will deposit the funds into a separately maintained trust account.

?Obtain a receipt.

?It is not advisable to authorize a release of your earnest money (or a pass-through) until your transaction closes.

Is Your Earnest Money Deposit Refundable Upon Cancellation?

First, read your contract. Laws vary from state to state. In California, standard C.A.R. purchase contracts allow for the return of the earnest money deposit to the buyer within a specified time period, by default 17 days, should the buyer elect to cancel the transaction. If, at that point, the seller refused to return the deposit without cause, the seller could end up paying a $1,000 civil penalty to the buyer.

Upon cancellation, the sellers and buyers are asked to sign mutual release instructions. If an agreement cannot be reached, the party holding the earnest money deposit will continue to hold it until an agreement is reached. If no agreement has been reached after a few years, escrow companies then send the parties a certified letter asking for mutual instructions. The letter says if nobody responds within a certain time period, then escrow will return the money to the buyer. If the seller contests the action then, after 3 years, escrow will send the money to the state of California, presumably to help balance our budget deficit.

In a thesaurus, a synonym for earnest is sincere. When purchasing real property, the buyer offers a sum of deposited money to be held to indicate their sincerity and intent to go through with the purchase process. The amount offered usually correlates somewhat with the purchase price of the real property, however this can vary by locality and custom. The amount of earnest money is also normally a negotiable item. The seller does not have to accept the initial amount offered by the prospective buyer. Sellers can require an increase in earnest money deposited for various reasons: ?Buyer has requested extended period to closing

?Buyer is offering zero or very low down payment

?Seller has increased interest or other offers on the property

?Buyer just offered too little money in the first place

In some cases, sellers may set a minimum earnest money amount in the listing advertisement. New homebuilders may also have certain minimum up-front deposit requirements.

Most states have very strict rules regarding the handling of, and accounting for, earnest money deposits. The money is usually held in an escrow company account,

title company account, buyers' broker trust account, or sellers' broker trust account. It is always the buyer's money in a transaction that goes through to closing. On the settlement statement it is used to offset the buyers' costs in the transaction.

The disposition of earnest money in a dispute and failed transaction is also spelled out in state law and real estate regulations. In many real estate contracts the buyer and seller agree to mediate before going to court and taking further legal action. Mediation usually results in agreement by the parties as to how to distribute earnest money in the failed deal. In many cases just avoiding the cost of mediation will result in an agreement between the parties. In all cases, real estate agents and brokers should place the highest priority on the handling of client funds.

Case in Point

A buyer's $1,000 was deposited into escrow two years ago. Unknown to the seller or real estate agent, a week before closing escrow, the buyer decided to buy another property and entered escrow at a different title company. A few days before she was scheduled to close on the first property, the buyer completed her final walk-through and declared there were water stains on the ceiling. There was no evidence of water stains on the ceiling. But that didn't stop the buyer from canceling the escrow. The sellers believe the buyer has forfeited her deposit. The buyer believes it should be returned. Two years later, the money is still sitting in escrow.

买家总是问如何一大部分保证金存款是必需的。通常情况下，没有设置的要求。在加州，合同必须考虑到有效遏制，但金额可低至一美元。在你的国家法律可能会有所不同。要记住的，但是，你的存款金额保证金，主要取决于对市场和当地的习俗。

什么是定金存款？

这是一个很好的信用保证金支付，但不被混淆了下来。当执行一个买家购买合同，合同规定多少钱，买主是最初张贴，以确保合同，以示“诚意”，并一起多少钱将存入款项作为定金。结余资金一般是作为抵押权或抵押贷款组合。保证金存款的向卖方说：“是的，我是认真的房子不够买你的，我很愿意把我的钱用在我的嘴。”

那么，怎样才算足够？

因为没有金额时，它从市场到市场的变化和全国各地。凡我在加州的工作，存款一般为1至3销售价格的百分比。买家在这里放下不经常超过3％，因为大部分签署一份违约金条款，卖方赔偿限额为3％的购买价格在一个默认事件。但它不是寻常的30万美元购买一回家放下1,000元，尤其是如果买方是获得100％的融资买家。在这些情况下，存款是最常见的退还给买受人，其后为信贷用于对关闭的融资成本，因为弥补了整个购买价格。

如果它是一个卖方的市场，不少购房者在有限的库存战斗，它使逻辑意义，以便买方放下一个更大的保证金存款，以吸引卖方接受这项提议。在买方市场，一个更大的保证金存款可能诱使卖方接受更低的购买价格。所以你看，这一切都取决于。

要小心那些你给你的定金存款

来自加拿大新不伦瑞克，西尔维施赖弗，读者说她失去交给它交给一个人谁自称是一位房地产经纪人她二千五美元保证金存款。她说，经纪人偷了经纪的标识和商务用品，使之出现，他是合法的，但是，当他消失西尔维打电话来询问她的抵押贷款的问题。当她向警方报告了骗子，然后，她发现，其他人提出的投诉。可悲的是，在这一点上，西尔维的钱不见了。

?永不放弃的保证金存入卖方。

?使存款支付，如著名的房地产经纪，律师事务所，一家或标题公司以有信誉的第三方。

?验证第三方将分别维持存入信托帐户的资金。

?取得收据。

?这是不可取的授权发布你的保证金（或传递），直到你的交易完成。

是你的定金后取消定金退还？

首先，请阅读您的合同。法有所不同的州。在加州，标准的汽车采购合同允许的定金退还押金在规定时间内给买方，默认情况下17天，买方应选择取消交易。如果在这一点上，卖方拒绝退还押金无故，卖方可能为此付出1000美元的民事罚款给买方。

取消后，卖方和买方都被要求签署相互解除指令。如果协议无法达成，党持有保证金存款将继续持有它，直到达成协议。如果达不成协议已经达成了几年后，托管公司然后发送各方相互认证的请示信。信中说，如果没有人响应在一定时间内，然后将钱还给托管给买方。如果卖方比赛的动作，然后，3年后，代管将派钱给美国加利福尼亚州，可能是为了帮助平衡我们的财政预算赤字。

个别国家的法律法规和房地产管理的定金在房地产交易中使用。在房地产交易涉及应符合其国家的有关，特别是在与一个失败的交易纠纷的定金处理，熟悉所有的规则。

在词库，热切的同义词是真诚的。当购买不动产，买方提供了资金存入将于表明其诚意和意图去与购买过程中，通过总和。通常所提供的金额有点相关的不动产购买价格，但是这可以通过不同地点和习俗。保证金数额的，通常也可转让的项目。卖方不必接受初始金额，准买家提供。卖家可以要求在增加保证金存放各种原因：

?买方要求延长期限结束

?买方提供零或非常低首付

?卖方已增加了对财产的权益或其他优惠

?买方刚才提出的在第一时间太少钱

在某些情况下，卖家可能会在上市设置广告的最低保证金金额。新的住宅建筑商可能也有一定的最低预付订金的要求。

大多数国家有非常严格的规则关于处理，以及，保证金存款的核算。这笔钱一般在每年的托管公司帐户，公司帐户所有权，买方经纪人信托帐户，或卖方经纪人信任帐户。它始终是买方的交易中，通过对截止去赚钱。在结算说明它是用来抵消交易的买家的成本。

对保证金的纠纷和失败的交易性格还阐述了国家法律和房地产法规。在许多房地产合同的买方和卖方同意调解，才去法院，并采取进一步的法律行动。调解通常会导致各方就如何分布在失败的交易保证金是一致的。在短短避免了许多案件调解成本将导致双方之间的协议。在所有情况下，房地产经纪人和经纪人应当对客户资金的最优先处理。

案例分析

买家的1,000元存入代管是在两年前。未知向卖方或地产代理，收盘前一个星期代管，买方决定购买另外，进入公司代管的财产在不同的标题。第一个属

性的前几天，她原定的结束，买方完成了她最后的步行通过了天花板上的水渍，并宣布那里。有证据证明不设上限的水渍。但是，这并没有阻止从代管买方取消。卖方认为，买方丧失了她的存款。买方认为，它应该被返回。两年后，钱还是坐在代管。