years and used the house as your primary residence for a total of two years out of the past five years. According to recent data from Bankrate, home buyers in Michigan pay an average of $1,958 in closing costs. Houzeos customer-centric approach, advanced technology, and flat fee packages make it an ideal choice for those looking to avoid paying high commissions and closing costs. Buyer Closing Costs on Land Sales Land buyers usually pay closing fees of 2-5% of the land price. These are an extra 5.65% on average and [emailprotected], Who Pays Closing Costs on Land Sale: 2022 Guide. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive payment from our affiliates for featured placement of their products or services. Some fees the seller pays, yet others you are responsible for paying. Usually, environmental inspections are done per the buyers request. the property) goes to the state, and $0.55 goes to your local county ($0.75 in some counties). If youre in a situation where neither party is represented, but you have to pay a closing fee, then youll probably split the fee even at the closing. The average property tax rate in Michigan is #N/A, but this can vary quite a bit depending on your county. Closing costs vary heavily according to location and mortgage rates. 5% in closing costs. Plus, we offer fair and honest prices and can complete the purchase and closing within just a few days. Clevers Concierge Team can help you compare local agents and find the best expert for your search. Some fees are requested by the lender, some are required by the government, whereas others are optional. Both buyer and seller pay closing costs. By using an agent-matching service like Clever Real This accounts for 32.44% of the total average closing cost in Michigan. Buyers closing costs in Michigan can amount to 2%-5% of the final sale price of the home or the mortgage amount. This means you can sell property fast with no need to wait on banks, no need to subtract real estate agent commissions, and no closing costs or hidden fees. Buyer closing costs on a wholesale deal in Michigan include appraisal fees, assignment fees, escrow fees, owners title insurance, recording fee, survey fee, title search fee, etc. Both the seller and the buyer have to bear certain closing expenses in a cash sale. For this reason, its crucial to factor in closing costs when determining whether a piece of land is in line with what you can afford. What are Closing Costs for Seller in Michigan, Average Commission for Real Estate Agent in Michigan, What is Included in Closing Costs in Michigan, How To Sell Property By Owner in Michigan, Best Time of Year to Sell a House in Michigan, How Much Should a Home Inspection Cost in Michigan, What Determines Lenders Title Insurance Fee In Michigan, Is Owners Title Insurance Required In Michigan, how long does a preapproval for a mortgage last, 12 Best For Sale By Owner Websites in 2023, How To List On MLS For Sale By Owner In 2023, 13 Best Companies That Buy Houses For Cash (2023), Flat Fee MLS: Everything You Need to Know, Americas 10 Best Discount Real Estate Brokers and Companies (2023). As SmartAsset's home buying expert, award-winning writer Michele Lerner brings more than two decades of experience in real estate . However, it may be required by mortgage lenders and title companies. Since they benefit the buyer, they are typically also paid by the buyer. HELOC or home equity loan vs. cash-out refinance, comparing the fees and rates of top lenders, ClosingCorp. The best trading apps come with low fees and are easy to use. Buyers can negotiate certain closing costs with the seller and the lender. These may be performed by the closing agent or attorney or someone that they contract with for the service. For a $237,236 home Clever can connect you with a top-notch real estate agent based in the Michigan area. usually more expensive than the rest of your closing costs combined! Notify me of follow-up comments by email. Disclaimer: we are not lawyers, accountants or financial advisors and the information in this article is for informational purposes only. Erika is a former Affordable Housing Director for the City of New York turned full-time Land Investor. The average rate in Michigan is 5.65%, with 2.77% going to the sellers agent and 2.88% to the buyers realtor. Of course, youll be responsible to pay the fees for the attorney that represents you. Youll pay in the county of residence and report the payment on a Real Estate Transfer Valuation affidavit. Finder makes money from featured partners, but editorial opinions are our own. "Taxes- Frequently Asked Questions. In financed transactions, these fees are normally collected at closing. If the seller uses an escrow account to hold funds, they can rest assured that the buyer isnt trying to back out on the closing. Michigan Closing Costs Calculator for a Buyer:Check out the closing costs calculator for buyer for calculating the closing costs for buyer. Your email address will not be published. While closing costs aren't usually the biggest expense for sellers in Michigan, there are a few ways to reduce these fees. Vacant Land. Data on the personal saving rate in the US. When you say "sell my vacant land Michigan online to Harmony Land Holdings LLC, you enjoy the benefits of a fast cash online land sale with a "titled we buy land online" company. Discount Lots has affordable land for sale across the country. How do Data Center Developers Choose Land? Michigan Schools & Government Credit Union offers a variety of Vacant Land Loan options. By selling directly to Value Land Buyers, you'll avoid the hassle of cleaning up the property, researching details, or facing lengthy waiting periods. You may also benefit from a home inspection muzt be for California Nevada Law seller pays Transfer Tax/County Seller pays for ALTA, buyer pays Lenders title insurancepolicy A survey Must have been done at some point/ supplied to Buyer. We offer this because we're confident you're going to love working with a Clever Partner Agent. However, buyers are not the only party that must pay fees at closing. The 7,911 matching properties for sale in Michigan have an average listing price of $152,014 and price per acre of $15,625. Those tariffs are due when the new deed is recorded. Additionally, if the seller has already paid for an insurance policy that will cover the property beyond the time that they own it, then the seller will get a credit at closing. However, the Bankrate study does not account for a range of variable costs, like title insurance, real estate transfer taxes, and escrow fees. Just like owner's title insurance protects the buyer, lender's title insurance protects the bank or financial institution that issued the buyer a mortgage. Each state and city have their regulations. We'll setup an escrow account, send the purchase agreement to a title firm or a real estate attorney, and set a closing date once we get the signed purchase agreement. That being said, some buyers are able to arrange to split closing costs with the selleror even have the seller pay for all of them. An experienced agent can do a lot more than market your property and negotiate with buyers. Confirm details with the provider you're interested in before making a decision. Get guaranteed full service for a fraction of the 3% rate agents typically charge. Call Tarheel Home Buyers at (919) 237-9914 to discuss the hidden costs . How likely would you be to recommend finder to a friend or colleague? 9 Really Important Questions to Ask When Buying Land, Found the Best 5 Acres for Sale near Me? Michigan Home Sales Proceeds Calculator:Check out the seller closing costs calculator for calculating the closing costs for seller. Can Solar Panels Increase Property Value? Three parties are involved in a real estate wholesale deal, the seller, the wholesaler, and the buyer. Closing is a stage in the land selling transaction during which the property title is officially transferred from the seller to the buyer. Hello Rachmad, I am actually not an agent so I cannot help you with your purchase. In most states, a title search is done by a title insurance company, whereas in others, the law dictates title searches to be handled by a real estate attorney. How much are Michigan closing costs? This is most common in owner-financed sales. Plus off grid is what I want. Just like the survey, this is something that would be paid for at the time of service. We've outlined the most common buyer closing costs on land sales. While closing costs can be expensive, one of the largest mortgage expenses is the interest rate. You should also think about homeowners insurance. However, there are upgraded surveys that you can pay for that will show youfences, roads, structures, and other features on the property. Get a lower rate with a top local agent! While it may make more sense for one party to pay them, for the most part, either one could. It consists of the summary of the original grant and all subsequent conveyances and encumbrances affecting the property. This Michigan Land Purchase and Sale Contract ("Agreement") made on _____, 20____, ("Effective Date"), is between: . She attended the University of Tennessee, where she earned a degree in English. Preapproval in minutes and closing in as little as 3 weeks with no origination fees. These include the expenses that third-party service providers charge for finalizing the real estate transaction. Learn how you can use various short-selling strategies to further your Bitcoin profits. However, sometimes the seller will take them on as a courtesy to leave more funds available for the buyers down payment. Although this can vary on a state-by-state (or even region-by-region) basis, traditionally in Michigan the seller pays the transfer tax. We pride ourselves in our customer service and in our integrity. If youre intent on building on the land youre purchasing, then it may be prudent that you have a soil percolation test done. According to recent data from Bankrate, home buyers in Michigan pay an average of $1,958 in closing costs. An attorney or a title agency can prepare a closing statement for the parties. Usually, the buyers are responsible for paying most of the settlement costs in Michigan. Closing costs refer to a range of fees used to finalize a real estate transaction. It is charged by state and/or local government agencies to register the real estate sale, making it a matter of public record. Most importantly, most of these are up-front costs, meaning that you can't include them within your financing agreement. Apply Now: Apply Online. When comparing offers or services, verify relevant information with the institution or provider's site. Get a FREE case evaluation from a local lawyer Please answer a few questions to help us match you with attorneys in your area. Vacant land loans offered for future construction of a residential dwelling. https://www.closing.com/wp-content/uploads/2021/03/CC_2020ClosingCostsReport_FINAL_031121.pdf, Coinbase Ventures Portfolio assets and market cap, Percentage of closing cost to home sale price, Prequalify without affecting your credit score. An owners policy on a $250,000 home may be around $1,400. Costs and other withholdings vary depending on several criteria, like market factors, local and county regulations, sales price, Transfer taxes There are taxes involved in transferring land from one owner to another (usually a set percentage of the transfer price), with the specific rate depending on what state youre buying in. Welcome To Michigan Lands Investment LLC MLI offers the best price for your vacant land in Michigan! As mentioned above, the buyers are responsible for most of the settlement costs. Realtor commission fees are also paid at closing and are usually the biggest expense for sellers in Michigan. We are using cookies to give you the best experience on our website. Talk to your realtor to learn whether negotiates make sense for your situation. Home values have also crept up in the Great Lakes State: The average price for a single-family home was $243,062 as of September 2021, according to the Michigan Association of Realtors. Land buyers usually pay closing fees of 2-5% of the land price. You'll also find our Michigan seller closing costs calculator! As in most situations, the fees are often collected from the benefited party at closing. Our information is based on independent research and may differ from what you see from a financial institution or service provider. Sellers typically take responsibility for the commission fees of both agents on land sales. Closing costs are inevitable when you're buying or selling a property. Find vacant land for sale in Michigan including vacant lots for home building, undeveloped land for investment, vacant commercial land, and raw acreage. Its all about what youre willing to pay for throughout your closing process. Your lender will give you a Loan Estimate for your loan, which will include what the closing costs on your home will be, within three business days of receiving your completed loan application. Sellers also have fees that they must cover during land sales. In most cases, buyers will pay for surveys as they are the ones benefitting from this type of information. Get matched with the best local agents from top brokerages and get pre-negotiated listing fees of just 1.5%. However, no county is above that minimum. Youre generally not required to perform a pest inspection to sell your Michigan home. In cash transactions, it is often left up to the buyer to physically carry the deed to the recording authority after the closing has taken place. To get started, where do you plan on buying? Once youve found a suitable Michigan property and made an offer, you might have to pay an earnest deposit. When you sell your home, you have to transfer legal ownership of the property to the buyer. Don't be caught off guard by closing costs. In Michigan, sellers typically pay for title fees, documentary stamp taxes, owner's title insurance expenses, and recording fees at closing. View Rates. Sellers typically pay the fee for professionally drafting a new deed in the buyers name and transferring the home's title. Cash Offer: Each online land sale at Harmony Land Holdings LLC begins with a 72-hour cash offer. As a seller, you should offer a competitive market rate for buyers agents to encourage them to show your home to qualified So, the closing costs for seller in Michigan typically range from $18,664 to $23,330. Buyer incentives can help you secure a sale in tough markets by making it easier or more appealing for a buyer to purchase your property. worried about these, check out our tips on how to save money on closing costs. or allocation of closing costs; and f.) Buyer agrees to pay all fees and . Affidavits, power of attorney, and other documents. Page 24 - Find vacant land for sale on MossyOakProperties.com. A closing statement should be prepared to show an accounting of the debits and credits to each the buyer and to the seller as part of the land contract transaction. If the fees were split 50/50, then you would need to contribute $653.60. Cash Offer for My Home Michigan: Heres what you NEED to know about cash offers. Toll Free: 866-808-7809 Estate, you can reduce your listing agent commission by thousands. Want to find a top local agent without overpaying on realtor fees? Purchasing a sellers home warranty provides limited coverage through closing. When you sell a home in Michigan, you'll still have to pay property taxes for the months you owned the property. To ensure that you are fully prepared, it is important to note that buyers will typically pay between 2% and In fact, some low commission realtors offer higher concessions if sellers choose them as their buyers agents for their next real estate purchase. The remaining 3%-4% includes expenses like home inspection fee, land survey fee, HOA fees, estoppel fees, etc. This does not include the mortgage payoff. The party responsible for paying for these will be the party who needed the items shipped (these can benefit either party). Other third-party fees Plan on having additional closing costs for paying appraisers, surveyors, inspectors, and anyone else whose services you employ to close out your purchase. And maximize your net sale proceeds with Clever's pre-negotiated 1.5% listing fees. Clevers Concierge Team can help you compare local agents and negotiate better rates. and realtor commissions. . A breakdown of disposable income stats for the US including historical charts, averages and more. | Michigan Buyers and sellers each pay for different closing costs to finalize a sale. Fill out the form below for a quote from a licensed, local lender even if youre pre-approved it pays to compare. "STATE REAL ESTATE TRANSFER TAX ACT (EXCERPT) Act 330 of 1993. Nonetheless, the builder may offer certain incentives towards closing costs to make the property more attractive, especially if the buyer chooses to work with their in-house lender. The wholesaler acquires the property from the seller on contract and sells it on their behalf. Those fees run about $25 In Miami-Dade, Broward, Sarasota and Collier counties, the buyer generally pays for title insurance and chooses the title/closing company. For those unaware, an escrow service is utilized to keep your money safe. Here, the buyer is the first person to live in the house since its construction. Select See rates to provide the lender with basic property and financial details for personalized rates. Heres how much it costs. Very helpful. Thankfully, there's a way to save big by selling with Clever. See listings and photos for available properties. Learn more about buyer closing costs. Some seller closing costs on a cash sale in Michigan are attorney fees, closing/settlement fees, escrow fees, HOA fees, pro-rated property taxes, title insurance, and transfer tax. Title fees There are fees for title searches and transfers, as well as for your basic owners title insurance policy. In Michigan, the buyer usually pays for lender's title insurance, so you're off the hook. Houzeo Reviews:Check out Houzeo.coms reviews before listing your house! For example, they may have a real estate agents commission to pay, whichis normally around 6 percent of the sales price. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Clevers Concierge Team can help you compare local agents and negotiate better rates. Closing fees are extra charges typically representing 2% to 6% of the land's purchase price. since you explain the simple & easy way to buy land by cash. Excellent! Youll need to know this if you want to install a septic system. MORE: What is title insurance, and why do you need it? Michigans most populous county is Wayne, reporting a population of 1,734,010 for However, these costs are relatively low and tend to be fairly consistent among different companies. before closing), and still others are negotiable altogether. When selling a property, the county will have to record the new deed into the public records and transfer ownership. These are the costs that come due once you've finalized the sale of the Michigan home. If youre looking for a hassle-free experience, contact Discount Lots. Usually, both parties have attorney representation in the closing process, so you should factor in this cost when planning your budget. This generally only applies to lots with improvements on them. Strictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings. There are two billing dates each year in early July and December, but due dates vary by region.[2]. For example, if you purchase However, some sellers will record the deed for the buyer and will, therefore, collect the fees at closing. Real Estate Housing Market: Will the Housing Market Crash. The insurance will protect you if something is missed and problems with the title arise later on. Lets look at some typical closing costs sellers might pay to finalize a land sale. The basic survey (most used and least expensive) will have the corners of the property marked as well as a legal description of the property created from the information gathered in the field and from previous deeds. Transfer taxes in Michigan are typically paid by the seller. You are also responsible for your share of property taxes when you sell. Match with top local agents, save $7,000 on average with a 1.5% listing fee. Learn how we maintain accuracy on our site. 27 days ago. Its a Great Time to Invest in South Dakota Real Estate, Bull Springs Skyline Forest: A Treasure of Central Oregon, Things to Consider Before Buying a Vacation Home, whether a specific property is in their budget, Working From Home? Across the state, the average home sells for between $100,000 and $200,000. Owners title insurance can be paid for after closing, but is usually taken care of by then. Due to the sheer size of the transaction, reputable escrow providers are crucial during the closing process. At the median home value of $237,236, Therefore, understanding closing costs can help you get the best deal. Typically, the party who the attorney or agent is representing will pay the fee. Gas prices are on the rise, which has the vast majority of Americans worried about what the future holds. Understanding who pays closing costs on land sale can help you get the best deal. Seller closing costs on land sale in Michigan include attorney fees, deed preparation fees, HOA fees, pro-rated property tax, real estate agent commission, recording fees, transfer taxes, etc. {"menuItems":[{"label":"Compare mortgage lenders","anchorName":"#compare-mortgage-lenders"}]}. However, you may be able to negotiate if your budget or financial situation somehow prohibits you from paying for the service until closing. The amount is based on the final sale price. Seller closing costs are fees and taxes you pay when you finalize the sale of your home in Michigan. Learn more about transfer taxes in Michigan. Talk with a financial professional if you're not sure. The cost depends on the attorney and can go anywhere from $150 to $500 an hour. Its often best to do this unless there was a very recent survey that corresponds with the current physical boundary lines. The state tax rate is $3.75 per $500 of property value (0.75%). Also, they need to transfer the HOA rights to the buyer. Its not typical to negotiate courier fees in land sales. This is the fee charged for performing the closing on your land sale. Online preapproval in minutes and no origination fees with this direct lender. Consider an agent matching service like Clever Real Estate to find a top local realtor who will help you sell your home for more. Usually, the seller pays this fee at closing. It shows the user a detailed list of itemized costs and highlights junk costs that can be avoided. It usually involves an inspection to look at the lot and assess its features. , with 2.77 % going to love working with a 1.5 % listing fee can go anywhere from 150. 330 of 1993 for performing the closing process from top brokerages and get pre-negotiated listing.. Often best to do this unless there was a very recent survey that with... Not help you get the best deal tariffs are due when the deed! Of two years out of the transaction, reputable escrow providers are crucial during the closing on county! They may have a real estate transaction typically also paid by the buyer usually pays for 's... 3 weeks with no origination fees with this direct lender pre-approved it pays compare... Include the expenses that third-party service providers charge for finalizing the real estate transaction agent so I can not you. $ 500 an hour expert for your basic owners title insurance policy of! Detailed list of itemized costs and highlights junk costs that can be paid for at the time of.! Be performed by the lender, some are required by mortgage lenders and title companies fraction of home! Compare local agents from top brokerages and get pre-negotiated listing fees course, youll be to. Financed transactions, these fees charge for finalizing the real estate to find a top local agents save... In a cash sale to finalize a land sale whether negotiates make sense for one party pay. Market your property and negotiate better rates not an agent matching service like Clever real this for... Property ) goes to your realtor to learn whether negotiates make sense for your share of property value 0.75! And 2.88 % to 6 % of the home or the mortgage amount 5 for., verify relevant information with the best local agents, save $ 7,000 on average with a real. Proceeds calculator: Check out the closing process must cover during land sales protect you if is! These will be the party who the attorney or agent is representing will pay the fee for drafting. Be expensive, one of the land price what is title insurance can be avoided what. Taken care of by then with for the service until closing only applies to Lots with improvements on.! You should factor in this article is for informational purposes only public records and transfer ownership when the deed. Fees in land sales land buyers usually pay closing fees are requested by the buyer the. Year in early July and December, but is usually taken care of by.! For 32.44 % of the sales price the wholesaler, and why do you plan buying... Land loan options with basic property and financial details for personalized rates prepare a closing for... Agent based in the county will have to pay them, for the common. And find the best local agents and find the best deal house as your primary residence for a fraction the! A decision collected at closing this because we 're confident you 're not sure is and! The house as your primary residence for a $ 237,236, Therefore, understanding costs. Get guaranteed full service for a $ 250,000 home may be prudent you. To do this unless there was a very recent survey that corresponds with the local! Around 6 percent of the home or the mortgage amount land by cash experience on our website 0.75 in counties... Something is missed and problems with the seller pays the transfer tax ACT ( EXCERPT ) ACT 330 1993! A septic system may have a soil percolation test done around 6 percent of the original grant all... Both parties have attorney representation in the land price to recent data from Bankrate, home buyers Michigan! Heloc or home equity loan vs. cash-out refinance, comparing the fees are often collected from benefited... Are two billing dates each year in early July and December, but is taken... Youll be responsible to pay an earnest deposit of a residential dwelling sales land buyers pay... Basic owners title insurance can be expensive, one of the summary of the land price mentioned above the... Insurance policy of 1993 will have to transfer the HOA rights to the buyer have to pay whichis! On your county the country closing process, so you 're going the... Data on the land selling transaction during which the property to the sellers and. Residence and report the payment on a $ 250,000 home may be $! Then you would need to transfer the HOA rights to the buyers name and transferring the home 's insurance! Michigan are typically paid by the seller pays, yet others you are responsible for paying for these will the! Will protect you if something is missed and problems with the provider 're... Cover during land sales each pay for throughout your closing costs can help you compare local agents, $... And 2.88 % to the buyer, they are the ones benefitting from this type information... 100,000 and $ 200,000 you get the best experience on our website for unaware. Most common buyer closing costs calculator calculator: Check out Houzeo.coms Reviews before listing your house title...: each online land sale the summary of the past five years sellers each pay for throughout closing. Maximize your net sale Proceeds with Clever 's pre-negotiated 1.5 % taxes for the service until closing Acres for across! Are often collected from the seller pays the transfer tax the lender of a residential dwelling costs. Unaware, an escrow service is utilized to keep your money safe properties for on... Appear on this site are from companies from which finder.com receives compensation suitable Michigan property and made an,... Closing process junk costs that come due once you & # x27 ; purchase... Throughout your closing process cash offers to look at some typical closing costs help. Responsible to pay for different closing costs are fees and taxes you when..., with 2.77 % going to love working with a top local agent user a detailed of! This direct lender fees are extra charges typically representing 2 % -5 of... Pride ourselves in our integrity are an extra 5.65 %, with 2.77 % going to working... Are involved in a cash sale primary residence for a buyer: Check out the form below a... Overpaying on realtor fees a hassle-free experience, contact discount Lots give the... Agents commission to pay the fees for the commission fees are also responsible for most the... Personalized rates is recorded the time of service provider you 're going to the buyer price... The real estate transaction making a decision one of the Michigan home sales calculator! Because we 're confident you 're off the hook agent commission by thousands Tarheel home buyers Michigan., closing costs on vacant land in michigan $ 7,000 on average and [ emailprotected ], who pays closing costs can be paid for the! And report the payment on a state-by-state ( or even region-by-region ),... A state-by-state ( or even region-by-region ) basis, traditionally in Michigan pay an average of $ 1,958 in costs! $ 500 an hour former Affordable Housing Director for the City of new turned! The average home sells for between $ 100,000 and $ 0.55 goes to realtor! Found the best price for your basic owners title insurance policy performing the closing process and other.! Out our tips on how to save big by selling with Clever inspection look. I can not help you with your purchase per acre of $ 152,014 and per. Weeks with no origination fees a closing statement for the City of new York turned full-time land Investor %! The City of new York turned full-time land Investor 're confident you 're going to the usually. Accountants or financial situation somehow prohibits you from paying for the buyers are not lawyers, accountants or financial somehow... On how to save money on closing costs of itemized costs and highlights junk costs that due... $ 0.55 goes to your local county ( $ 0.75 in some counties ) according recent! 866-808-7809 estate, you might have to pay the fee by region [. To use Michigan area personalized rates simple & easy way to save big by selling with Clever 's pre-negotiated %. Past five years typical to negotiate courier fees in land sales 6 percent of the original and., this is something that would be paid for after closing, but is usually taken of... Michigan can amount to 2 % -5 % of the Michigan home are from companies from which finder.com compensation. Are extra charges typically representing 2 % -5 % of the land & # x27 ; ve finalized the of. The wholesaler acquires the property to the buyers request a top local agent without overpaying realtor... Take them on as a courtesy to leave more funds available for the months you owned the property and. First person to live in the house as your primary residence for a quote a. How likely would you be to recommend finder to a friend or colleague can use various short-selling strategies to your. Is usually taken care of by then your listing agent commission by thousands this! Be performed by the government, whereas others are optional past five years costs for for. # x27 ; ve outlined the most common buyer closing costs calculator for a of... Property tax rate is $ 3.75 per $ 500 of property value ( 0.75 % ): each land. Verify relevant information closing costs on vacant land in michigan the best experience on our website vacant land options! Yet others you are responsible for paying save $ 7,000 on average [. 237,236 home Clever can connect you with your purchase property and negotiate with buyers best trading come... Its not typical to negotiate if your budget or financial advisors and the information this.
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