Documents to keep after house closing
一份关于购房后应该保留的成交文件和其他重要家庭文件的指南,以及你可以考虑处理掉的东西.
Navigating the paperwork and process when buying a home can be overwhelming. 申请抵押贷款需要几份文件,比如工资单和纳税申报单. 一旦一切都解决了,重要的是保存一些与你的房子关闭有关的文件. 这里有一些建议,告诉你应该保留什么以及保留多长时间.
Keep for one year
- Utility bills: 在日历年底,一旦你将实际支出与银行或信用卡对账单上的支出相匹配, you can toss utility bills.
- Change of address confirmation: 当你买房子的时候,你通常需要更新你的地址 USPS to have your mail sent to your new house. 你可以在收到新地址转发的邮件后将确认撕碎.
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Keep indefinitely
- Home improvement purchases and receipts: 你可能不打算在短期内卖掉你的房子, 但要保留购买和升级的证据, 比如添置新电器或新干墙. 它们有助于向未来的买家展示升值的价值.
- Insurance policies: 将这些重要文件存放在一个安全的地方,这样你就可以访问账号和覆盖范围, as well as agent contacts, at any time.
- Mortgage documents: 保留你买房子时得到的任何抵押贷款文件. Even if you pay off your mortgage, you'll receive a release or certificate of satisfaction; keep that, too.
- Home inventory: A home inventory 能在你搬进来后完成吗,如果你有什么特别有用的吗 homeowners or property insurance claims. 一定要定期更新.
Keep until you sell your home
- Closing documents: 保留一份在房屋关闭期间签署的任何文件的副本作为备份. Some 专家建议保留这些表格 在你最终卖掉房子之后的几年里. 结清按揭文件的清单包括:
- Purchase agreement
- Addendums
- Disclosures and repair requests
- Escrow information, inspection reports
- Closing statement, among other things
- Abstract, title, appraisals and deed: 保留你自己的记录,它概述了诸如法律界限和你家的历史之类的事情.
Keep until it expires
- Home warranties: Again, 储存在一个你能记住的受保护的地方,这样你就能获得pp王者电子官网和限制.
记住把所有重要文件放在干燥的地方。 safe place. 许多房主选择把它们放在家里的防火箱或pp王者电子官网箱里. 当你知道该保留什么时,就会更容易知道该保留什么 save or shred.
Be sure to ask a State Farm® agent about homeowners insurance coverage and available discounts.