多伦多地产工具 · Alan Shaw 多伦多地产经纪

📝 基本信息Basic Info

新房购买价格 (CAD)Purchase Price (CAD)

🏠 购买用途Purchase Purpose

🏡

自住Owner-occupied

🏢

出租投资Rental Investment

🏗️ 房屋状态Property Status

🔨

在建/未开工Pre-construction

📦

建筑商库存（在建）Builder Inventory

🏡

已完工未售Completed Unsold

📅 关键日期Key Dates

购房协议签署日期APS Signing Date

必须在 2026/4/1 - 2027/3/31 之间Must be between Apr 1/2026 - Mar 31/2027

开工日期Construction Start

新建项目: 2028/12/31 前开工New build: start by Dec 31/2028 (未核实)(unverified)

预计完工日期Completion Date

自住: 2031/12/31 前 | 出租: 2029/12/31 前Owner: by Dec 31/2031 | Rental: by Dec 31/2029 (未核实)(unverified)

📋 退税申请方式Rebate Method

🏢

开发商直接抵扣Developer Deduction

📝

自己向CRA申请Apply to CRA

💡 两种申请方式的区别Two Rebate Methods

🏢 开发商直接抵扣：Developer Deduction:
• 退税在 closing 时直接扣减，你少付钱Rebate deducted at closing, pay less upfront
• 现金流好，不需要先垫付全额Better cash flow, no need to pay full amount first
• 常见于大型开发商、预售楼花Common with large developers, pre-sales
• 需要确认开发商是否支持此方式Confirm if developer offers this option

📝 自己向 CRA 申请：Apply to CRA Yourself:
• 先付全款（含HST），再向 CRA 申请退税Pay full price (incl. HST), then claim rebate from CRA
• 可能需要等几个月才能拿到退款May take a few months to receive refund
• 常见于小型建筑商、已完工库存房Common with small builders, completed inventory
• 需要自己准备材料提交申请Need to prepare and submit documents yourself

👆 点击计算 · 结果即时显示👆 Click to calculate · Instant result

您可获得的 HST 退税金额Your HST Rebate Amount

购买价格Purchase Price $0

HST 总额 (13%)Total HST (13%) $0

联邦 GST 退税 (5%)Federal GST Rebate (5%) $0

安省 HST 退税 (8%)Ontario HST Rebate (8%) $0

💰 您节省的金额Your Savings $0

实际支付 HSTActual HST Paid $0

📅 时间线要求Timeline Requirements

⚠️ 申请条件Eligibility

ℹ️ Bill C-26 要点Highlights

• 联邦政府向各省提供超过 $17 亿住房建设支持资金Federal government provides $1.7B+ in housing support
• 安省扩大版 HST 退税覆盖所有符合条件买家（不限首次）Ontario expanded HST rebate covers all eligible buyers (not just first-time)
• 包括自住和出租物业投资者Includes owner-occupied and rental investors
• 已完工未售出的库存房也可适用Completed unsold inventory also qualifies

📊 退税档次一览Rebate Tiers

房价区间Price Range	退税金额Rebate	说明Notes
≤ $100万≤ $1M	全额 13% (最高 $130,000)Full 13% (up to $130,000)	最划算 - 买 $85万省 $110,500Best value - $850k saves $110,500
$100万 - $150万$1M - $1.5M	固定 $130,000Fixed $130,000	最高额度 - 买 $120万也省 $130,000Max - $1.2M also saves $130,000
$150万 - $185万$1.5M - $1.85M	逐步递减 $130,000 → $24,000Phases down $130K → $24K	买 $160万省 ~$100,000$1.6M saves ~$100,000
> $185万> $1.85M	仅 $24,000Only $24,000	基础退税 - 影响较小Base rebate - limited impact

💡 三种房屋状态的退税路径Rebate by Property Status

🔨 在建/未开工 (新建项目)Pre-construction (New Build)
• 自住 (NHR): 开工 2028/12/31 前，完工 2031/12/31 前 (未核实)(unverified)Owner (NHR): start by Dec 31/2028, complete by Dec 31/2031 (unverified)
• 出租 (NRRPR): 开工 2026/4/1 - 2027/3/31，完工 2029/12/31 前 (未核实)(unverified)Rental (NRRPR): start Apr 1/2026 - Mar 31/2027, complete by Dec 31/2029 (unverified)

📦 建筑商库存 (2026/3/31 前已开工)Builder Inventory (Started before Mar 31/2026)
• 自住 (NHR): ✅ 满足开工要求，完工 2031/12/31 前 (未核实)(unverified)Owner (NHR): ✅ meets start req, complete by Dec 31/2031 (unverified)
• 出租 (NRRPR Sub-stream A): ✅ 满足开工要求，完工 2029/12/31 前 (未核实)(unverified)Rental (NRRPR Sub-stream A): ✅ meets start req, complete by Dec 31/2029 (unverified)

🏠 已完工未售 (最简单)Completed Unsold (Simplest)
• 自住 (NHR): ✅ 自动满足开工和完工要求Owner (NHR): ✅ automatically meets start & complete req
• 出租 (NRRPR): ✅ 自动满足开工和完工要求Rental (NRRPR): ✅ automatically meets start & complete req
• 只需 APS 在 2026/4/1 - 2027/3/31 窗口期内签署APS must be signed within Apr 1/2026 - Mar 31/2027 window
• 目前 Ontario 市场约有 7,000+ 套此类库存Approximately 7,000+ such units in Ontario market (未核实)(unverified)

安省新房 HST 退税计算器Ontario HST Rebate Calculator

📅 时间线要求Timeline Requirements