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安省房地产常识及常见问题
购置房产篇
Q1. 房屋买卖的程序及注意事项?
Q2. 一个优秀的地产代理如何保证让您买到最满意的物业?
Q3. 什么是M.L.S?
Q4. 为什么买房不仅是为了安居, 更是一种投资?
Q5. 在安省对第一次购房者都有哪些优惠政策?
Q6. 我还没有确定以后是否在加拿大发展, 我适合在加拿大购置房产吗?
Q7. 房地产投资有哪几种方式?
Q8. 租房合算还是买房合算?
Q9. RRSP和第一次购房的关系?
Q10. 什么是安省购房储蓄补贴计划?
Q11. 是直接找那个卖方经纪谈价好，还是找自己的经纪人好?
Q12. 找几个经纪帮我看房是不是对我更有利?
Q13. 入住前后发现卖方留下家用电器坏了，该怎么办?
Q14. 非加拿大居民可否在多伦多购房?
Q15. 刚到加拿大没有收入和信用记录的新移民在购房时能否申请贷款?
Q16. 在多伦多买房, 如何才能找到最全面有效的房屋信息?
Q17. 在买卖房屋获取地产经纪人服务时, 您知道CLIENT和CUSTOMER的区别吗?
Q18. 买房与学区的选择?
Q1. 房屋买卖的程序及注意事项?
A1. 购买房产是您在加拿大开始安居乐业的最大的一笔投资之一, 同时又是一个非常繁琐和需要专业帮助的过程. 一般说来买到您理想的房屋需要经过如下主要阶段:
An Explanation of the Process
A REALTOR will not take it for granted that you know all the in's and out's of the buying/selling process. Instead, he/she will provide you wiht a full explanation of what to expect and what's important so you're not faced with any surprise along the way.
An Assessment of Your Needs
A REALTOR will explore the reason you want buying, time constraints you might have, your financial situation and any future plans.
A Plan to Find Your Dream Home
A REALTOR will help you identify what you want in your new residence. Separete Room to rent? Garage? A particular building design? What about the neighbourhood? Proximity to schools or works? A REALTOR will compare your needs, wants and budget with what is available on the market and make recommendation that save you time and effort.
He or she will also accompany you as you view houses and help you assess their suitability and price. As an expert on a property, a REALTOR can provide facts on the neighbourhoods, the cost of heating, the condition of the furnace, and so on.
Access to Properties for Sale
Multiple Listing Service or MLS is an exclusive service accessible only through a REALTOR and it can be a valuable tool. Through MLS, the details of a wide variety of listed properties are made avaible to the REALTOR you work with. That can save you a tremendous amount of time and effort in your hunt for the right home.
Choice of Financing Options
REALTORS have extensive knowledge of the financing choies available to home buyers and there are many of them. At your request, a REALTOR will assist in evaluating mortgage options and obtaining financing at the most attractive prevailing rates and terms.
Deal Negotiation
REALTORS are experienced in arranging fair deals. He or she will assist in negotiating an offer, acting as a mediator to head off potential conflict between you and the seller, and draw up a legallybinding agreement.
Agreement of Purchase and Sale(Form 101)
Agreement of Purchase and Sale(Form 101) is Ontario's legallybinding agreement of purchasing and selling a home, which you should sign when you get the deal with the seller. In this agreement, there are also the signatures of seller, the REALTORS of both sides and Lawyers of both sides.
Closing
( 安省地产协会及多伦多地产协会建议您找到一个称职的专业代理替您打理这一复杂的过程. )
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Q2. 一个优秀的地产代理如何保证让您买到最满意的物业?
A2. Buying a home can be an exasperating and time consuming experience, but not if you enlist the services of a REALTOR. A real estate professional understands the market, knows exactly what is available and can match your needs and budget to your new home efficiently and effectively.
Honesty and Integrity
Most real estate professionals in our province are members of the Ontario Real Estate Association (OREA) and only members of OREA can call themselves REALTORS.
When you work with a REALTOR, you can expect not only strict adherence to provincial laws, but also adherence to a Code of Ethics. And that code is very important to you because it assures you will receive the highest level of service, honesty and integrity.
Highest Professional Standards
Before receiving a real estate license, candidates must successfully complete an extensive course of study developed by OREA on behalf of the Real Estate Council of Ontarion. That is only the beginning: in the first two years of practice, licencees are required to successfully complete three additional courses as part of their articling with an experienced broker. In addition, all licencees must continue to attend courses throughout their careers in order to maintain their licences.
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Q3. 什么是M.L.S?
A3. Multiple Listing Service(MLS) 是由加拿大地产协会拥有的 Listing 系统. 该系统在全加拿大范围内受到广泛应用. 加拿大地产协会正式 会员在提供房产买卖专业服务时, 使用该系统最大限度的提高房产供求双方的信息交流. 长期以来加拿大地产协会始终保持该系统的全面,即时 和有效性.
MLS有两种:一种是对公众开放的MLS, 如加拿大MLS, 购房者可以通过公开的MLS了解到自己想要购买的房源的大致信息, 但这里的信息有一定的滞后, 而且只有房源的一些基本情况介绍, 没有进一步的背景材料, 如这所房子以前的买入价, 周边房源最近以来的成交价等.
另一种MLS系统则是只有各地产协会正式会员才能进入的数据库系统, 那里的信息是即时更新的, 而且专业会员可以通过这个系统查到各种背景信息
Multiple Listing Service or MLS is an exclusive service accessible only through a REALTOR and it can be a valuable tool. Through MLS, the details of a wide variety of listed properties are made avaible to the REALTOR you work with. That can save you a tremendous amount of time and effort in your hunt for the right home.
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Q4. 为什么买房不仅是为了安居, 更是一种投资?
A4. 首先房产是有型的资产, 和股票及其他债券不同, 不会受到企业经营或经济发展的剧烈影响贬值到一钱不值. 而且土地的资源是有限的, 而每年都会有来自世界各地的大量的新移民不断的移居到安省, 尤其是多伦多. 伴随着城市的不断发展, 在供求驱平的原理作用下, 从长远来看, 城市的地产价格一般只会上升, 只是不同时期幅度不同. 但并不是每一笔房地产投资都一定会有很好的回报. 除了自己应有独到的眼光以外, 寻求房地产专业人员的帮助是必不可少的. 具有成熟经验的REALTOR能够帮您分析策划, 选择合适的地理位置, 调查社区环境, 分析投资发展趋势, 掌握投资热点, 帮您确定入市时间, 这样一来就可以最大限度地降低风险, 增加回报.
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Q5. 在安省对第一次购房者都有哪些优惠政策?
A5. 在安省, 对第一次够房者的优惠政策主要体现在税收上, 主要有以下几条可供参考:
Land Transfer Tax: 土地交易税
Effective May 8, 1996, first time purchases of newly constructed homes were eligible for a refund of land trasfer tax.
Ontario Home Ownership Savings Plan (OHOSP): 安省购房储蓄补贴计划
Ontario Home Ownership Savings Plan (OHOSP) was established to help first-time buyers realize their dreams of homeownership. If you earn less than $40,000 (or if you and your spouse have a combined income of less than $80,000) then you are eligible to benefit from OHOSP.
RRSP 首期付款计划
每个家庭夫妻双方(包括同居夫妻)可以从各自的 RRSP 帐户中取出 $20,000 用于房屋首期付款. 一个家庭一共可取 $40,000, 而不涉及税收和利息.
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Q6. 我还没有确定以后是否在加拿大发展, 我适合在加拿大购置房产吗?
A6. 如果用投资的眼光来分析, 在加拿大尤其是在多伦多的购置房产投资是非常明智的选择.
首先房产是有型的资产, 和股票及其他债券不同, 不会受到企业经营或经济发展的剧烈影响贬值到一钱不值. 而且土地的资源是有限的, 而每年都会有来自世界各地的大量的新移民不断的移居到安省, 尤其是多伦多.在供求驱平的原理作用下, 在大的时间范畴下, 城市的地产价格会保持上升的趋势(但不排除在某一段时间价格的适当调整回落).
其次加拿大是法制非常完备的国家, 对每个人的私有财产有严格的法律保护, 即使不是加拿大的永久居民, 都有相应的法规保护房产所有者的权益, 更何况 |
