Settle 前要买HOUSE INSURANCE吗？

火光

Settle 前要买HOUSE INSURANCE吗？

如题，今天收到卖房中介律师发过来的信，和我说： 最好买个House insurance, 不管现在的房主有没有买。

请问大学有必要吗？

最后不管怎么说HOUSE INSURANCE 还是要买的，大约一年要花多少钱？在哪买呢？谢谢大家

KWADA

如果有房屋贷款， 银行会要求买房屋保险； 我买的是COMMONWEALTH的，一个月不到50元。

jinxu_0

我拍卖拿下后，中介说你今天就要买了。

火光

jinxu_0 发表于 2013-12-5 00:56
我拍卖拿下后，中介说你今天就要买了。

那你是在哪买的呢

tracyzhou921

我是提前买的，选择的是settle那一天生效，我包了house和家里可移动的物品，一个月大概100多点，因为我选的是low access fee。我是cba的银行卡，所以在网上买的话还可以给打折。但打电话或者去店里买就不给优惠。不过你有不明白的选项可以向客服咨询。

rainpyr

Same question.
Buy it through the agent or bank?

中农

可以问问NRMA 的 Home Insurance， 如果有车保， 可以打些折。

Richeee

rainpyr 发表于 2013-12-5 10:51
Same question.
Buy it through the agent or bank?

无所谓啦，差不了太多

通常你贷款的银行都有保险产品，能有点优惠吧

问问你的mortgage broker

悉尼好

订立合同的那分钟开始，房子就是要最终交易给你的。

所以应该在订立合同那天买

garysu

settle之前不算是买家的物业吧？

xiwu

garysu 发表于 2013-12-5 10:00
settle之前不算是买家的物业吧？

是不算.  however, as the sale contract has been signed, that means you OWN the property already.  The seller has an equitable right to remain in the property until settlement, but that doesn't change the fact that the purchaser is the new owner.  This is particularly the case in auction sales.

Even legislation in different states may make the situation more or less important,  it is best to having a house insurance prior to settlement.  If something goes wrong at worst you will be up for an excess fee, but the insurance company will pursue the seller into hell to recoup their losses if you can prove that the seller was responsible.  Do an inspection and get photo proof, if any thing changes you are hopefully covered by the insurance.

Serenity

We did buy insurance for the house, as advised by our lawyer.

garysu

xiwu 发表于 2013-12-5 10:30
是不算.  however, as the sale contract has been signed, that means you OWN the property already.  ...

受教了

sim2card

在澳洲买房，你签下合约了，房子就是你了的，保险就是这时候就要买，不是settle才买，这期间要是出什么意外是算在你头上的，不是前房主头上。一定要注意，各个地方的法律法规是不一样的，不要自己想当然。

MU

買的新房好像沒人讓我買保險啊？OC還沒出呢

kesai

house 建议买。

lantaozi66

我的是原屋主买了的，ｓｔｔｌｅ的时候和ｃｏｎｃｉｌ费一样补些钱给原房东，
没有的当然应该买。

sydneyagent

if need loan, then you should buy before you make the loan app. bank will need it.

toshio_yakawa

depend on your house value. buy no later than the settlement date.

rainpyr

Richeee 发表于 2013-12-5 10:56
无所谓啦，差不了太多

通常你贷款的银行都有保险产品，能有点优惠吧

Xiexie:)

Will ask my car insurance company.