Contracts

In New Jersey, an 'installment land contract' (contract for deed) is a purchase arrangement in which:

AThe buyer immediately receives title at signing
BThe buyer takes possession and makes payments to the seller, but legal title transfers only when the purchase price is fully paid✓ Correct
CThe seller makes installment payments to a lender on behalf of the buyer
DA bank holds the deed until the buyer qualifies for a mortgage

Explanation

Under an installment land contract (also called contract for deed or land contract), the seller retains legal title while the buyer holds equitable title and makes periodic payments. Legal title transfers only upon full payment. These arrangements carry risks for buyers and are subject to NJ forfeiture and redemption rules.

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