请教大家第一次买房的问题？ 

謝謝大家哦，這幾天忙著轉悠看相関資料都沒上來，竟然那麽多message了！！！[s:201] 特別謝謝LS的兩位：cloud_zhou跟kingkong123提供了好多信息的~~~ 基本定下來了(在burnaby)很開心！那個property disclosure s/t我可以自己看，有問題問developer應該ok了！ [color=#FF00CC]不過還是需要請律師因爲最後completion交房時是必須有律師或者公證人在場的，大家有律師介紹嗎？[/color] 看到kingkong寫的‘只有HST才是rebate（退税）退税分两部分，一是联邦部分，一是省部分，基本上人人有份永不落空，按照比例越贵的房子退的越少。这个税一般发展商会在交易时候credit在你放假上面，看看合同就知道了’ --- 有問developer這個，沒有人給確定答案由於身份還沒拿到關於HST rebate（一些人說這個不用PR只要是自己的       primary residence就qualify；有些又説是必須PR或者公民才可以---而PTT exeption就一定要又身份了） 而且developer要求先交全款的HST然後自己再向政府申請rebate---我看這個是允許的，就有些開發商直接credit給買家，有些就要求買家自己向政府申請）。這樣的情況，那就我要直接跟政府打交道，所以很想還是弄肯定些在交定金前。。。 拜托了~~~

[quote]引用第23楼h-s于2010-11-26 07:35发表的  : 如果赶上发展商处理最后几套，价格肯定是能好点，但是户型可能不是很理想，买现房的好处是可以节约很多租金的，，，，两年的租金也要上万块的，，， 税先交了也不怕的，符合条件政府肯定会退，律师可以慢慢找，交房之前发展商会给你信，到时候拿着文件过去就好了，不用一定在场的。合约最好是看好了，如果价钱讲不了太多，在电器升级和优惠价再多买一个停车位也是有可能的，有时候停车位不够也很头痛，，，，还有分期交预定金的日期也可以适当商量。 [url=/club/job.php?action=topost&tid=267295&pid=6173381][img]p_w_picpath/back.gif[/img][/url] [/quote] 谢谢哦！开发商要是减到1万块是不是已经很不错了呢（pre-sale的房子，2年才盖好）？然后如果订下来后，有些什么东西是要好好看的，需要注意的呢？比如里面所用东西材质，还有些什么呢？大家给些建议哦~~~ 谢谢！

你问的问题developer 的sales不知道 很正常，因为他们一般都不是很专业，基本上把房子卖给你，过了7天的反悔起就了事了，钱就是那么好赚，基本上就是天掉下来的 PTT 一定要移民才能退 HST 不需要看身份，能否发展商credit给你，看看你的买卖合同就是了，上面一定会写HST 如何退税 ps： 楼主买的是那个发展商盖的房子？

[quote]引用第21楼kingkong123于2010-11-23 23:19发表的 回 20楼(cloud_zhou) 的帖子 : that's call property disclosure statment, it's in plain language no difficult  jargon you can graduate from a post secondary school here, then you have the capability to read and understand PDS [url=/club/job.php?action=topost&tid=267295&pid=6168921][img]p_w_picpath/back.gif[/img][/url] [/quote] property disclosure statement is not difficult to understand. i didn't spend much time reading mine. it is the purchase and sale agreement or presale agreement that bites you. even you graduate with a MBA, you might still get confused by some of the terminology or wording. remember, everything is good when you sign you name on it. it is the contingent situation that make a mess for everyone. those contingency supposed to cover in the purchase and sale agreement or presale agreement. some of those odds are very remote and you may choose to take you chance. some of the odds are real but you just don't know. it is lawyer's job to explain those wording and tell you what if this happens, what if that happens, and what you can do or cannot do. some of the terms can be easily explained by realtor, if he is completely honest with you and you trust him 100%. nevertheless, realtor cost you way more than their worth.

in most cases, purchaser will have a lawyer. and seller will also have a lawyer. purchaser transfer the funds into laywer's trust account a few days before the completion date. at the completion date, purchaser's lawyer will check the legal title at the last minutes and then register you title on the property. once they did that, they will release the funds from trust account to the seller's lawyer's trust account. seller's lawyer will disperse the funds to the seller after expenses. the PTT is remitted out of the purchaser's trust account unless you are 100% exempt. in the case of exemption, you lawyer will fill out all the forms and submit them to the local land registry office when he register your title on completion date. if you are not 100% exempt, he will have to remit the funds to land registry office when register your title. HST is completed because the changes of legislation. it was GST only before july 1. i am not 100% sure about now. but it used to play like this: developer charge you GST on the purchaser price, the amount you paid to developer including GST, afte the completion date, your lawyer would submit a GST rebate application form to federal tax department, once you GST rebate applicaiton form is accepted by federal tax department, your lawyer's trust account will be credited for the amount of rebate, in other words, the whole process will take a while. i can only think of one situation that developer credited HST directly to you: you paid 100% cash to the developer, and you and your developer hired the same lawyer. BTW, talk to your bank for lawyer referral if you need a mortgage. bank normally give you a credit for lawyer's fee if you hire the lawyer recommended by the bank.

[quote]引用第27楼cloud_zhou于2010-11-27 13:13发表的  : in most cases, purchaser will have a lawyer. and seller will also have a lawyer. purchaser transfer the funds into laywer's trust account a few days before the completion date. at the completion date, purchaser's lawyer will check the legal title at the last minutes and then register you title on the property. once they did that, they will release the funds from trust account to the seller's lawyer's trust account. seller's lawyer will disperse the funds to the seller after expenses. the PTT is remitted out of the purchaser's trust account unless you are 100% exempt. in the case of exemption, you lawyer will fill out all the forms and submit them to the local land registry office when he register your title on completion date. if you are not 100% exempt, he will have to remit the funds to land registry office when register your title. HST is completed because the changes of legislation. it was GST only before july 1. i am not 100% sure about now. but it used to play like this: developer charge you GST on the purchaser price, the amount you paid to developer including GST, afte the completion date, your lawyer would submit a GST rebate application form to federal tax department, once you GST rebate applicaiton form is accepted by federal tax department, your lawyer's trust account will be credited for the amount of rebate, in other words, the whole process will take a while. ....... [url=/club/job.php?action=topost&tid=267295&pid=6175587][img]p_w_picpath/back.gif[/img][/url] [/quote] 错啦，错啦， 无论你怎么pay 你发展商都是一次性拿到全部的房款。无论你有没有mortgage对于发展商，卖家来说都是一样，对他们没有任何影响。 我所知道就有好几个发展商是会credit HST 退税到你账上的，不是什么难事，要看发展商怎么处理而已，看买卖合同就知道了 银行介绍的律师便宜都是骗人的，难道律师不收钱吗？银行介绍的律师都不便宜的，只有自己找才是王道 想便宜 第一：找个公证人，不要找律师（手续都一样只是收费不一样），你一定会买title insurance的， 就算出了什么问题保险全包，这个保险才两百多块 第二：找华人 第三：location 比较差的地方，例如温东的公证人

谢谢LS两位哦，很感谢！！！[s:201] 看到HST REBATE有开发商直接credit给purchaser或者先交给开发商全款然后自己找政府要回钱来两种方式~~~ 这个记下来看可不可以跟开发商商量他们直接CREDIT这样省事多了，不过多半是要自己跟政府要了~~~ 我看到有些写说找公证人不牢靠因为不会帮你审核文件什么的？但是要买TITLE INSURNANCE就应该没问题了，这个一定要买的吗？买多久？找谁买呢？想问下kingkong。。。 kingkong有介绍的吗？或者什么网可以查到这类消息啊，我先google下！！！ 谢谢~~~

兩年后才蓋好, 不需要這麼快找律師啦~~ 律師都是成交的時候才需要的啊....