Contracts

What is a 'land contract' (contract for deed) in Illinois and how does it work?

AA standard purchase agreement for vacant land only
BA seller-financing arrangement where the seller retains legal title until the buyer pays the full purchase price; the buyer has equitable title and possession✓ Correct
CA lease of land with no purchase option
DA government contract for acquiring farmland in Illinois

Explanation

A land contract (contract for deed, installment sale contract) is a seller-financing arrangement in Illinois where the seller retains legal title until the buyer completes all installment payments. The buyer receives equitable title and possession immediately. Upon final payment, the seller delivers a deed. Land contracts have been used as an alternative to traditional financing, but they have been criticized because buyers may lose all equity if they default.

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