多伦多房产资讯网:相关服务

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. 所以安省地产协会及多伦多地产协会建议您一定要找到一个称职的专业代理替您打理这一复杂的过程. 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

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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.
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, 城市的地产价格只会上升, 不会下降. 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, 城市的地产价格只会上升, 不会下降.
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, 更何况永久居民. 在加拿大投资买房, 请可靠的人或专业管理公司代管是完全可行的.
而且加拿大是一个高福利的国家, 尤其是对老龄人, 有人说加拿大是老年人的天堂, 这是有一定的道理的. 如果您现在在中国, 美国或世界其他地方有自己很好的事业, 当然是事业第一, 但到老时, 回到加拿大, 安度晚年未尝不可.
最后, 无论是买房还是卖房, 寻求专业人员的帮助, 会让您事半功倍, 不必过多担心房产买卖过程中的繁文缛节.

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Q7. 房地产投资有哪几种方式?

A7.房地产投资常见有以下几种方式:

投资自住或自住加出租, 租金可抵部分或全部 Mortgage 及 Property Tax. 以后出售变现, 增值的部分免税.
购买物业经营或出租, 经营或出租的收入用来还清贷款及其他费用. 以后转卖物业, 房产本身及增值部分就是一笔相当可观的投资回报.
低价购买旧房, 翻修后转售, 扣除装修费用及税费, 赚取其中的差价.
选购位置好的 Lot 或 Retired House, 精心设计, 再建新屋出售, 投资回报率很高.
购买期房,预付定金获得新盘, 房屋建好后出手转卖, 会有利润.
购买公寓房, 委托管理出租, 房价上升时, 转卖升值.
购买Industrial Unit, 申请重新规划(By Zoning Bylaw), 做商业出租, 利润颇丰.

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Q8. 租房合算还是买房合算?

A8. 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, 城市的地产价格只会上升, 不会下降. 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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Q9. RRSP和第一次购房的关系?

A9. RRSP 首期付款计划是指, 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, 但受如下条件限制:

只适用于首次购房.
必须从取款只日的第二年开始还款.
低价购买旧房, 翻修后转售, 扣除装修费用及税费, 赚取其中的差价.
还款最长不能超过 15 年.
每年还款不能低于取款总额的 1/15.
不能达到最低还款额的部分计入当年收入纳税.

按照 RRSP 首期付款计划的规定, 只要 RRSP 帐户开设 3 个月以上, 便可从中取款, 这一规定可以让您不费吹灰之力资产增值许多. 具体操作方法如下: 如果您已打算在半年内买房, 可马上开设一个 RRSP 帐户 (注意一定要是短期 GIC). 前提是您手中有 $20,000 现金, 并有足够的 RRSP 空间. 假定您的边际税率为 45% 的话, 将会得到 $9,000 的退税. $20,000 现金变成 $29,000 !

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Q10. 什么是安省购房储蓄补贴计划?

A10. 安省购房储蓄补贴计划(Ontario Home Ownership Savings Plan)
如果您现在的年收入在40000加币以内, 准备在未来几年里第一次在安大略省买房, 而且并没有打算放弃加拿大的永久居民身份, 可以考虑这个补贴计划. 否则此计划并不适合于您.
The 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. Other criteria include:

You must be 18 years of age or older;
You must be an Ontario resident;
You must have a social insurance number;
Neither you nor your spouse have ever owned an eligible home anywhere, whether or not it was owner-occupied; and You never previously held an OHOSP.
There is no limit to the amount of funds you may deposit in your OHOSP. However, you will only receive OHOSP tax credits on annual contributions of not more than $2,000 individually (or $4,000 per couple).
Depending on your annual income and the amount you invest in your OHOSP, you can earn up to $500 or $1,000 per couple in OHOSP tax credits. You are eligible for tax credits for five consecutive years. You must close the plan and use the funds to purchase a home by the end of the seventh year. Otherwise, you must repay your OHOSP tax credits with interest.
To qualify for a tax credit for the current taxation year, you must open a plan by December 31. A plan can be opened at any participating financial institution across the province. The funds you deposit into your OHOSP will earn interest at competitive rates.

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