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I didn't follow previous post. question for you.
what is your loan amt? that's the key.
FYI,
there are 2 title insurance policies: owner's policy and lender's policy
####################PURCHASE####################REFINANCE
Owner's Policy#########yes (一般由Seller 付)############no
Lender's Policy#########yes*(一般由Borrower 付)########yes (由Borrower付)
* 注：现金买房则不需要
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