新房要交房了,要有哪些费用?

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最近,有些在3-4年前投资Condo、Townhouse的客户朋友该面临收房了,文清(资深地产投资顾问647-338-5258)就这个时候特别整理了:新房交接时,还要支付哪些费用?让您做到心里有数,快快乐乐、从容地接手新房。

购买新房,指的是从开发商手中购买第一手的房子。当接到盼望已久的收房通知时,喜悦之余我们还需要从容地规划好财务支出。到了和开发商进行交接时,具体缴纳的准确数字,还是客户自己的过户律师具有最终解释权。这里只是给出常规性参考信息。

1.   HST:根据买家的购房目的不同而不同

买房一般有两种目的,要么自住,要么投资。自住可以是自己的亲属居住,比如孩子、老人等,自住房就不用额外缴纳HST。如果购房目的为投资(出租)时,买家需要额外支付HST 退税金额给开发商。该金额由开发商交给税务部门后,买家再找税务局按照一定程序退还。这个金额少则一两万加元,多达三万加元。

2.   DEVELOPMENT CHARGE,教育附加费(Education Levy)和建筑增容费(Construction Levy)PARKS LEVY等市政收费

参见当年买家与开发商签订的购房合同执行,看看是否有Cap Levy注明费用上限,一般费用可以从几千到上万不等。

3.   水电气开通等各项杂费(Water/Hydro/Gas Meter Hook up Fee)

根据开发商给出的账单,$1000-$2000不等(各个开发商的合同规定不同)。

4.   法律费用

房屋交接时聘请律师的费用。因为楼花的交割有两个closing date,律师也会相应收两个律师费。Final Closing的律师费与二手房相同,Occupancy Closing律师费则因人而异。

5.   入住费(Occupancy Fee)

当一座建筑物的主体结构施工完成,而且每个单位已经达到了相关规定的可居住要求时,就可以拿钥匙入住了。这就是Occupancy Closing。这个时候产权(Title)还暂时不属于你,相当于你在租用开发商的房子。这段时间的长短取决于整座大楼的规模、所买单位的楼层,以及政府的办事效率。在产权交割前每月所需交纳的Occupancy Fee通常由3部分组成:一﹑开发商预估的地税;二﹑开发商代收的管理费;三﹑尚欠开发商的房款的余款利息。利息是按开发商的开发贷款利率来计算。

6.  按揭费用及保险成本

就是房子做按揭时产生的费用,选择的银行不同,贷款方式不同,产生的费用不同。根据客户自己情况而定。

7. 产权保险证(Optional title insurance)

用以保障因产权发生问题所引起的损失,多数律师会建议购买,部分银行也会规定要买。视房屋大小价值而定,平均花费500至1000元。

以上资料仅供参考,如果您对大多伦多地区各个社区感兴趣,如果您有计划2018年在多伦多投资置业,希望了解更多社区和楼盘信息,欢迎联系多伦多资深地产投资顾问 【老毕组合】 电话:647-338-5258 ,Email请至[email protected],更多文章请参阅www.wendyzeng.com。欢迎添加我们的微信,关注更多资讯。

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