🏠 买房成本
房价 + 月供 + 成交费 + 地税 + 保险 — 全算清楚Price + mortgage + closing costs + tax + insurance — all in one place
Jason 和 Alan 可以帮你做完整的 affordability assessment，免费 15 分钟咨询Jason & Alan offer a free 15-min affordability assessment.
📞 Alan 647-367-4990购房预算 · 贷款预批 · 看房安排 · 一站搞定Budget · pre-approval · showings · all in one
每一项费用是什么、为什么收、多少钱What each cost is, why it exists, and how much.
| 费用Fee | 大约金额Approx Amount | 说明Notes |
|---|---|---|
| 🏦 首付 Down Payment | 5-20% 房价 | $50万以下最低5%，以上最低10%，超$100万最低20%5% for $500K and under, 10% over, 20% over $1M |
| 🏛️ 土地转让税 LTT | ~$16,000（$80万房） | 多伦多双重 LTT（省+市），其他城市只收省税。首套房有最高 $8,475 退税Toronto has dual LTT (provincial + municipal). First-time buyer rebate up to $8,475 |
| ⚖️ 律师费 | $1,200 – $2,500 | 产权查询+合同审查+过户登记Title search + contract review + registration |
| 🔍 房屋检查 | $500 – $700 | 验屋师检查房屋结构/水电/屋顶等Home inspection for structure, electrical, roof, etc. |
| 🏡 房屋保险 | $100-200/月 | 贷款必需。Condo 约 $50-80/月，独立屋 $100-200Mandatory for mortgage. Condo ~$50-80/mo, house $100-200 |
| 📊 评估费 Appraisal | $300 – $500 | 银行需要确认房屋价值Bank needs to confirm property value |
| 🏦 CMHC 贷款保险 | 贷款额 2.8-4% | 首付低于20%时必须购买Mandatory if down payment <20% |
| 🧾 HST（新屋） | 房价 13% | 新屋/楼花需要交 HST，$45万以下有部分退税New homes/assignments subject to HST. Rebate available under $450K |
| 💰 地税 Property Tax | 房价 0.6-1.0%/年 | 多伦多约 0.66%，按月或年缴纳Toronto ~0.66%, paid monthly or annually |
15 年 GTA 地产经验，帮你算清楚每一笔账15+ years in GTA real estate. Let's crunch the numbers together.
📞 Jason 416-877-6268