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美国房产小讲堂 · 买房流程

很多买家一听到“签协议”就会抗拒，觉得被绑定了。但其实，一份清晰的买家代理协议，对买家同样是保护。

1美国经纪人和“中介”不一样

在一些市场，不同的中介公司掌握不同的房源，买家需要跑好几家才能看全。在美国则不同：经纪人拿到房源后，会录入当地的 MLS（多重挂牌服务系统），Zillow、Redfin 等网站的数据也大多来自这里。所以你只需要找一位信任的经纪人，就能看到市场上绝大部分在售房源。

美国的经纪人英文叫 agent，更像明星或球员的经纪人：代表你处理整个买房过程中的事务——找房、谈判、协调贷款、安排验房和估价、对接维修和各类服务商，直到过户入住。

2为什么要签买家代理协议

在美国，卖家通常会和经纪人签订独家代理合约，写明挂牌价格、期限和佣金等。过去买家方面并不普遍签约，结果经常出现尴尬：同一组买家同时找了好几位经纪人，大家在同一套房子里碰面；或者经纪人带看讲解了很久，买家却绕过经纪人直接向建商购买。

签了协议，双方就有了明确的承诺。经纪人可以把你作为优先客户，全力帮你找真正适合的房子，而不是急着把任何一套房子“推销”给你；你也能得到真正站在你立场的专业意见。

协议不是绑定，而是双方互相的承诺。

3签约前，先互相“面试”

很多买家刚认识经纪人就被要求签约，会有抗拒心理，这完全可以理解。比较好的做法是先接触一两次，互相了解：

• 买家考察经纪人：专业程度、对市场的了解、过往成交经验、谈判能力、能否找到未上市房源、有没有足够的时间和资源。
• 经纪人了解买家：购房动机是否明确、时间计划、资金是否到位。

对于还在初步了解阶段的买家，我们同样会提供咨询，但在双方都准备好之后再签约、开始正式看房，会更有效率。

4现在的规定

2024 年 8 月 17 日起，随着全美房地产行业佣金规则的调整，买家在与经纪人一起看房前签署书面协议，已经成为全美普遍的要求。协议中会写明服务内容、报酬、期限，以及解约的方式。签约前请仔细阅读，有疑问可以向经纪人或律师咨询。

常见问题

本文仅供一般信息参考，不构成法律、税务、贷款或投资建议。市场数据与政策以发布时为准，可能已有变化；具体情况请咨询持牌专业人士并自行核实。

Should Buyers Sign an Agreement With Their Agent?

Please note: This video was published on October 11, 2023. It is more than a year old. Market data, prices, rates, and policies reflect that date and may have changed. Contact us for the latest information.

US Real Estate 101 · Buying Process

Many buyers resist the idea of "signing an agreement," fearing they will be locked in. In reality, a clear buyer agreement protects the buyer too.

1US Agents Are Not Mere Intermediaries

In some markets, different brokerages control different listings, so buyers visit several. In the US, agents enter listings into the local MLS, which also feeds sites like Zillow and Redfin. You only need one trusted agent to see nearly all homes for sale.

A US agent is more like a sports or entertainment agent: representing you through the whole process — searching, negotiating, coordinating financing, inspections and appraisal, and connecting you with contractors and vendors, all the way to move-in.

2Why Sign a Buyer Agreement?

Sellers in the US usually sign exclusive listing agreements stating price, term, and compensation. Historically buyers often did not, which led to awkward situations: a buyer working with several agents who then meet at the same showing, or an agent spending hours touring with a buyer who then goes around them to buy directly from a builder.

An agreement sets clear commitments. Your agent can make you a priority and focus on finding the right home rather than pushing any home; you get advice that truly represents your interests.

It is not a trap; it is a mutual commitment.

3Interview Each Other First

It is understandable to hesitate when asked to sign at a first meeting. A better approach is to meet once or twice first:

• Buyers evaluate agents: expertise, market knowledge, track record, negotiating skills, access to off-market homes, and time and resources.
• Agents learn about buyers: motivation, timeline, and financial readiness.

We still offer consultations to buyers in early stages, but signing and starting tours once both sides are ready is more productive.

4Current Rules

Since August 17, 2024, following industry-wide commission rule changes, signing a written agreement before touring with an agent has become a nationwide expectation. Agreements state services, compensation, term, and how to terminate. Read carefully and ask your agent or an attorney if you have questions.

FAQ

This article is for general information only and is not legal, tax, lending, or investment advice. Market data and policies reflect the time of publication and may have changed; please consult licensed professionals and verify independently.