重新贷款签约当天会发生什么

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• 联邦《诚实借贷法》Z 条例第 1026.19(f) 条（交割披露表的交付时限与更正）— CFPB 规章原文。第 (f)(1)(ii)(A) 款：“…the creditor shall ensure that the consumer receives the disclosures required under paragraph (f)(1)(i) of this section no later than three business days before consummation.”；第 (f)(1)(iii) 款：“If any disclosures required under paragraph (f)(1)(i) of this section are not provided to the consumer in person, the consumer is considered to have received the disclosures three business days after they are delivered or placed in the mail.”；第 (f)(2)(ii) 款（须重走三日等待期的三种变化）：“(A) The annual percentage rate disclosed under § 1026.38(o)(4) becomes inaccurate…(B) The loan product is changed…(C) A prepayment penalty is added…” — 查证于 2026-08-31
• Z 条例第 1026.23 条（撤销权）— CFPB 规章原文。第 (b)(1) 款：“In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind…”，其应载明事项含第 (v) 目：“The date the rescission period expires.”；该款官方释义第 1 条：“if both spouses are entitled to rescind a transaction, each must receive two copies of the rescission notice…”；释义第 4 条：“The creditor may deliver the notice after the transaction is consummated, but the rescission period will not begin to run until the notice is given.”；第 (a)(3)(i) 款：“If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation…”；第 (a)(4) 款：“When more than one consumer in a transaction has the right to rescind, the exercise of the right by one consumer shall be effective as to all consumers.”；第 (c) 款：“Unless a consumer waives the right of rescission under paragraph (e) of this section, no money shall be disbursed other than in escrow, no services shall be performed and no materials delivered until the rescission period has expired and the creditor is reasonably satisfied that the consumer has not rescinded.”；第 (e) 款：“…the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the right to rescind, and bears the signature of all the consumers entitled to rescind. Printed forms for this purpose are prohibited.” — 查证于 2026-08-31
• CFPB 消费者问答 — 《我什么时候会收到交割披露表？》。支持句：“By law, you must receive your Closing Disclosure at least three business days before your closing.” — 查证于 2026-08-31
• CFPB 消费者问答 — 《交割前三天没收到交割披露表怎么办？》。支持句：“If you have not received this document, you should request one from your lender immediately. You should also not go through with the closing until you receive and review the Closing Disclosure.” — 查证于 2026-08-31
• CFPB 消费者问答 — 《交割前、交割中、交割后我该做什么？》。支持句：“Your lender is required to send you your Closing Disclosure at least three business days before closing, and you can request the rest of your closing documents in advance.”；“It’s especially important for you to review the Closing Disclosure, the promissory note, mortgage, initial escrow disclosure, and the notice of right to cancel for refinances.” — 查证于 2026-08-31
• CFPB 消费者问答 — 《交割前我应当收到哪些文件？》。支持句：“Ask your lender to provide a full set of all the documents in advance, at the same time that you receive the Closing Disclosure.”；“The Closing Disclosure is a form that lists all final terms of the loan you’ve selected, final closing costs, and the details of who pays and who receives money at closing.”；“A promissory note, which describes what you are agreeing to.”；“A mortgage or security instrument: This explains your responsibilities and rights as a borrower. The mortgage grants the lender or servicer the right to foreclose on your home if you fail to make payments as you’ve agreed.”；“The Notice of the Right to Rescind for loans not used to purchase a home, for example, a refinance or home equity line of credit. This notice informs you that you have three business days from the lender’s fulfillment of certain conditions to cancel your loan and provides a form for cancelling the loan.”；“The Initial Escrow Statement, which lists the estimated taxes, insurance premiums, and other charges the lender anticipates paying from your escrow account during the first year of your loan.”；“State and local government-mandated documents: These are documents that fulfill state and local government requirements, generally for the purpose of collecting information and protecting you.”；“Lender documents: These are documents added by the lender, for example, an affidavit of occupancy.”；提示栏：“If you are refinancing or adding a subordinate mortgage on your home and the lender fails to give you two copies of the three-day right of rescission notice or fails to provide you with appropriate Truth-in-Lending information, you have the right to cancel the loan for up to three years.” — 查证于 2026-08-31
• CFPB 消费者问答 — 《交割流程中我可以预期什么？》。支持句：“Note: For some of the documents you sign, like the deed of trust, your signature needs to be notarized.”；“The settlement agent, often a title company or escrow company (in most western states) or a closing attorney (in some eastern states) prepares additional documents that support the transfer of the home to you and then records these documents with the county registrar’s office or county register of deeds.” — 查证于 2026-08-31
• CFPB《买房》专栏 — 《签下这笔交易》。支持句：“Regardless of who requires a document, you have the right to take your time and review them all.”；禁止签空白文件：“Don’t ever sign blank documents or documents that say something different from the transaction you’ve agreed to.”；新披露表的三日审阅期：“In limited circumstances, the law requires that you receive a full three business days to review the new Closing Disclosure before closing.” — 查证于 2026-08-31
• 加州《民法典》第 1189 条（签名确认证词法定格式）— leginfo 法条原文。证词正文：“On ____ before me, ____ (here insert name and title of the officer), personally appeared ____, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies)…” — 查证于 2026-08-31
• 加州《政府法典》第 8206 条（登记簿内容与拇指指纹）— leginfo 法条原文。第 (a)(2) 款规定登记簿须载明 “Date, time, and type of each official act.”、“Character of every instrument sworn to, affirmed, acknowledged or proved before him or her.”、“The signature of each person whose signature is being notarized.”；第 (a)(2)(G) 款：“If the document to be notarized is a deed, quitclaim deed, deed of trust, or other document affecting real property, or a power of attorney document, the notary public shall require the party signing the document to place his or her right thumbprint in the journal. If the right thumbprint is not available, then the notary shall have the party use his or her left thumb, or any available finger and shall so indicate in the journal…” — 查证于 2026-08-31
• 加州《政府法典》第 8202 条（宣誓书公证 / jurat）— leginfo 法条原文。第 (a) 款：“When executing a jurat, a notary shall administer an oath or affirmation to the affiant and shall determine, from satisfactory evidence as described in Section 1185 of the Civil Code, that the affiant is the person executing the document. The affiant shall sign the document in the presence of the notary.” — 查证于 2026-08-31
• 加州州务卿《公证员手册》2026 年版（Notary Public Handbook, January 2026）— 官方 PDF。“Notarization of Incomplete Documents”一节（第 19 页）：“A notary public may not notarize a document that is incomplete. If presented with a document for notarization, which the notary public knows from the notary public’s experience to be incomplete or is without doubt on its face incomplete, the notary public must refuse to notarize the document.”；“Correcting a Notarial Act”一节（第 19 页）：“There are no provisions in the law that allow for the correction of a completed notarial act. If a notary public discovers an error in a notarial act after completing the act, then the notary public should notarize the signature on the document again. All requirements for notarization are required for the new notarial act, including completing and attaching a new certificate containing the date of the new notarial act and completing a new journal entry.”；“Foreign Language”一节（第 23 页）：“…a notary public must be able to communicate with the customer…An interpreter should not be used, as vital information could be lost in the translation.” — 查证于 2026-08-31