06多伦多买房程序简介

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在接待新登陆的朋友时,发现他们对在多伦多买房的过程,程序以及所需文件不甚了解,这里做一简单的介绍,以期新朋友心中有数,有备而来。

1,房款的准备

由于新移民朋友在加拿大没有工作,或工作时间少于一年, 通常银行,或信贷机构只会贷给房款65%的贷款 , 如果你带来10万加币的房款,最多只能买29万左右的房子。29万可以买很不错的2房或2+1 的楼房,但是要买镇屋,或独立屋, 通常条件一般, 房龄老一些。建议在买房之前, 先找银行,或贷款经纪办好贷款预批。 这样在后面的谈判中是个很大的优势。

2,选房

可以自己在报纸,网上搜寻。但通常效果不好,费时费力,不见得能节省费用。而且由于初来乍到,对多伦多了解不见得全面,所以建议找个经纪,由专业经纪根据您的情况,选区,选校, 选房子。一般会比你自己选的房子接近你的目标。经纪一次可以带你看若干不同的物业, 节省了你的时间, 精力。而时间对初 登陆的朋友很宝贵。

3, 谈价,签合同

这一步,更需要经纪的帮助。 经纪可以告诉你应该还什么价,准备什么样的合同,怎样利用合同的条款,条件,换取你更大的利益,怎样在谈判中维护你的利益,怎样在你束手无错的时候,帮你出谋划策。 维护你的利益,是经纪的基本职责。

4, 办贷款手续,验房,找律师

安省的新房, 建筑商很多有5年保养, 安省有7年新屋保养计划,请验房师验房 对于购买老房子的朋友是个保障,通常费用在250-350不等。另外,带好签好的合同,找贷款机构办理贷款, 找律师办理产权检索,产权转移,检查共管物业证书,计算应缴地税, 管理费,电费等等费用。这一块费用在3000-1万5不等。 其他倒没什么费用。

5,交首期楼款,拿钥匙

交房日的前一天,到银行开首期的本票,交给自己的律师,第二天,己方的贷款机构会交余款给对方,一般会在下午6点前, 到己方律师处拿钥匙,独立屋的简单些, 楼房的应去管理处激活进出卡, 车库遥控器, 并办理登记手续。

6,入住后,如有发现电器等破损,及时联系经纪,律师, 协商解决

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