房地产交易中要知道的几件事

安姿2019-12-10

房地产交易费用是律师在交易完成之日向您提出的费用清单。许多人对房屋价格以外的额外费用感到非常惊讶。根据CMHC和Genworth Financial的说法,除了首付外,您还应保留购买价格的至少1.5%至2.5%作为平仓成本。以下是您可能会在购买时遇到的一些费用(这些费用因省份而异)。

CLOSING COSTS 

Closing costs are a list of charges that lawyer presents to you on the closing date of the transaction. Many people are surprised at the additional costs over and above the price of their home. According to the CMHC and Genworth Financial, you should reserve at least 1.5% to 2.5% of the purchase price for closing costs in addition to your down payment. Here are some closing costs that you might experience on your purchase as a guideline (closing costs vary among provinces and cities.H

BEFORE CLOSING 

Deposit: Usually 5% of the purchase price, paid within 24 hours of your offer being accepted. 
Property Appraisal: Approx $400 - $500, often paid by the lender. 
Home Inspection: Approx $300 - $400, paid to the home inspection company at the time of the inspection. 

 

aFTER CLOSING 

Balance of Purchase Price: The purchase price less your initial deposit. Usually the money will come from your lender and become your mortgage.
Legal Fees: Amount varies depending on purchase price – approx $1,000-$2000.

Title Insurance: Sometimes included in your legal fees – approx $250-$400. 

Property Survey: If required – approx $500-$800.

Land Transfer Tax: Varies depending on the purchase price and depending on where you live, taxes can range from 0.5% to 2% of the total value of the property. If you are purchasing in Toronto, you will also have to pay a municipal land transfer tax in addition to the provincial tax.


Fire Insurance: Mortgage lenders require a certificate of fire insurance to be in place from the time you take possession of the home – approx $250- $600 annually. 


Property Tax Adjustment: Reimbursement to Seller of property taxes that paid beyond the closing date. 


HST: Generally only applicable on new construction condos and houses.


Tarion Warranty Fees: Warranty on new construction condos and houses only, not resale.  - click here to estimate Tarion Fees


CMHC Insurance Premium: 
Insurance premium charged if you have less then 20% down payment – click here to estimate CMHC Insurance


Provincial sales tax on mortgage insurance: If your mortgage is insured, (CMHC or Genworth Financial), you will be required to pay the applicable taxes on the insurance premium on closing. While the insurance premium can be added to the mortgage amount, the tax must be paid at closing.


本文仅代表作者观点,不代表ehouse411.com立场。

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