全款买房被盗卖，村民们小心了

[知更鸟]

这个事Title Insurance应该可以Cover，钱财不会有损失，房子是要不回来，拿补的钱另买吧。中间的波折就是买个教训。

我不确定这个title insurance 可以 cover不，因为用的本人ID,钱进的本人银行帐号，至少是本人ID开的，可能都不能说被盗卖。除了后面转钱可以追究。
另外这个title insurance是什么时候买的?总听到这个词，就是没印象。

 

[地坛北里]

我不确定这个title insurance 可以 cover不，因为用的本人ID,钱进的本人银行帐号，至少是本人ID开的，可能都不能说被盗卖。除了后面转钱可以追究。
另外这个title insurance是什么时候买的?总听到这个词，就是没印象。

几年前买的新房，律師建議买就买了，确保房子在我的名下，但不知是否能防盜卖

 

[c8848]

几年前买的新房，律師建議买就买了，确保房子在我的名下，但不知是否能防盜卖

不防盗卖，只是cover由于ID引起的纠纷费用。

 

[lindamy]

不防盗卖，只是cover由于ID引起的纠纷费用。

我记得律师说，是防止first nation对土地声称有所有权时可能用的上这个保险。

 

[May11]

我不确定这个title insurance 可以 cover不，因为用的本人ID,钱进的本人银行帐号，至少是本人ID开的，可能都不能说被盗卖。除了后面转钱可以追究。
另外这个title insurance是什么时候买的?总听到这个词，就是没印象。

Title insurance 是买房的时候律师建议买，重要作用之一是保护新房主不用承担从前房主跟房子有关的债务, 比如property taxes. 我就碰到了。前房主没有支付property taxes, 但我的律师得到的信息是已付，买房时根据交房时间我支付了原房主已付部分。后来收到city的帐单要求我支付这一年全年的费用。各方联系无果，最后找title insurance, 提供所有证据后很快给我寄来支票，所有欠费和罚款都由insurance支付了。

 

[May11]

不清楚房子被盗卖是否cover. Title insurance policy 是有maximum coverage, 觉得这个保险不太可能管这件事，毕竟只是在买房时交了几百刀。

 

[muskell]

稍微查了一下，title insurance 管盗卖

FCT 应该是个保险公司的名字。安省法规见下贴

FCT title insurance is a property insurance product that protects property owners from financial losses incurred as a result of title issues. This insurance covers you for an amount equal to the market value of your property and covers legal costs directly related to these title issues.

Did you know that a fraudster could currently be impersonating you to mortgage your home, or worse, to sell it without your knowledge? … Is there a way to protect you from those eventualities? Yes there is: title insurance.

 

[woow]

这贴还不错

 

[muskell]

这个源自安省文件：

https://www.fsco.gov.on.ca/en/insurance/brochures/documents/undstitins.pdf

What Does Title Insurance Cover?
For a onetime fee, called a premium, a title insurance policy may provide protection from such losses as:
■ Unknown title defects (title issues that prevent you from having clear ownership of the property);
■ Existing liens against the property’s title (e.g. the previous owner had unpaid debts from utilities, mortgages, property taxes or condominium charges secured against the property);
■ Encroachment issues (e.g. a structure on your property needs to be removed because it is on your neighbour’s property);
■ Title fraud;
■ Errors in surveys and public records; and
■ Other titlerelated issues that can affect your ability to sell, mortgage, or lease your property in the future.
Your title insurance policy will protect you as long as you own your property, and will cover losses up to the maximum coverage set out in the policy. It may also cover most legal expenses related to restoring your property’s title.

Do I Need Extended Title Insurance Coverage?
For an additional fee, some title insurance companies may also offer you protection from additional risks that are not covered by a standard title insurance policy, such as identity theft and certain known title defects. Speak to your lawyer, title insurance company, or insurance agent/broker to determine if you require extended or additional title insurance coverage. They can compare several different title insurance products and recommend the product that would best meet your needs.

 

[贾和平]

我记得律师说，是防止first nation对土地声称有所有权时可能用的上这个保险。

Your lawyer is wrong! One of the title insurance not covering is " native Land claims"

https://www.fsco.gov.on.ca/en/insurance/brochures/documents/undstitins.pdf

PS: Editted to sdd screenshot !

 

[这都不是事儿]

没搞明白这个道理在哪里 - 就假设这家人搞了HELOC，一分钱没借，造假的人是不是不能冒充房屋主人要求银行discharge，证件不够？

那就还得伪造银行卡。

 

[lindamy]

Your lawyer is wrong! One of the title insurance not covering is " native Land claims"

https://www.fsco.gov.on.ca/en/insurance/brochures/documents/undstitins.pdf

浏览附件1055161
PS: Editted to sdd screenshot !

楼上也有人说，这个保险是保前房主的债务，可能我记错了，也许她说的是另外一项。

 

[贾和平]

I did not read OP's link. These kinds of stories had appeared long ago.

I. The title insurance

Fraudsters selling someone's house happened, but it is rare and not easy if the market is slow. The most likely happened was to get HELOCS from your home, eg take out a new mortgage on your property and pocket the funds by using stealing or fraud of your identification.

Be vigilant but no need to keep up at night. Your homeowner title insurance, if you have one, and recommended by your lawyer too when you purchased your home, did cover fraudsters forging or stealing your identity to sell them as their own or put on the new mortgage on it.

There are two kinds of title insurance: Lender's title insurance and homeowner's title insurance. Find out which one you have. I think most of you have latter.

II. Identity theft

Identity thefts do happen no matter how vigilant you are. I'm confident in my financial literacy in respect of personal information. However, Identity theft and financial fraud occurred in my household twice. Both are definite insiders' jobs:

1) One was a fraud credit card application with my other half's sin and employment history. It was stopped at the last step. If you found your mail delivery did not come regularly but only flyers in your mailbox, you had better ask why. Some crooks might have redirected all your emails from the post office for fraud.

2) A university freshman came home with a $7500 bank check ( that can get cash from banks the right way when depositing it) as a new assistant to the GM of a startup company. The $500 was the first week's salary; $ 7000 for purchasing the iPads and cellphones etc, and other office equipment. The cell was for work, and the rest were required to deliver to an address in QC. The bank check looks like a genuine issued from a bank in the west with all 7 security features indicated in the fine print. But the bank never issued this check when calling them to verify it, the blank check must be stolen from an insider. Strange, isn't it? The bank checks have a serial number. No one in the bank seems to care about missing the blank bank checks, and not everyone in the bank can access the blank bank checks.

 

[知更鸟]

I did not read OP's link. These kinds of stories had appeared long ago.

I. The title insurance

Fraudsters selling someone's house happened, but it is rare and not easy if the market is slow. The most likely happened was to get HELOCS from your home, eg take out a new mortgage on your property and pocket the funds by using stealing or fraud of your identification.

Be vigilant but no need to keep up at night. Your homeowner title insurance, if you have one, and recommended by your lawyer too when you purchased your home, did cover fraudsters forging or stealing your identity to sell them as their own or put on the new mortgage on it.

There are two kinds of title insurance: Lender's title insurance and homeowner's title insurance. Find out which one you have. I think most of you have latter.

II. Identity theft

Identity thefts do happen no matter how vigilant you are. I'm confident in my financial literacy in respect of personal information. However, Identity theft and financial fraud occurred in my household twice. Both are definite insiders' jobs:

1) One was a fraud credit card application with my other half's sin and employment history. It was stopped at the last step. If you found your mail delivery did not come regularly but only flyers in your mailbox, you had better ask why. Some crooks might have redirected all your emails from the post office for fraud.

2) A university freshman came home with a $7500 bank check ( that can get cash from banks the right way when depositing it) as a new assistant to the GM of a startup company. The $500 was the first week's salary; $ 7000 for purchasing the iPads and cellphones etc, and other office equipment. The cell was for work, and the rest were required to deliver to an address in QC. The bank check looks like a genuine issued from a bank in the west with all 7 security features indicated in the fine print. But the bank never issued this check when calling them to verify it, the blank check must be stolen from an insider. Strange, isn't it? The bank checks have a serial number. No one in the bank seems to care about missing the blank bank checks, and not everyone in the bank can access the blank bank checks.

谢谢您科普这些知识，我还不清楚的是当初买房买了title insurance 能管多少年?我印象里交了很少钱。

 

[Vivien2001]

谢谢您科普这些知识，我还不清楚的是当初买房买了title insurance 能管多少年?我印象里交了很少钱。

这个事情发生概率小，很少钱就可管永远了