交接当天完整流程详解：从放款到拿钥匙

	    	    Buyer Toolkit & Reference
	    ·
	    	    Apr 4, 2026
	    	    ·
	    4 min read
	    	  

Ontario · 买房流程

交接当天从早到晚全流程详解

钥匙几点能拿到？钱怎么流转？全在这里 ↓

很多客人问我：交接当天到底要做什么？我要去律师那里吗？几点能拿到钥匙？今天我来把Closing Day的完整流程从头到尾拆解一遍，让你心里有底。

早上：银行放款到律师信托账户

交接当天，贷款银行会在早上将贷款金额汇入买家律师的信托账户。加上你之前汇入的首付余款，律师账户里此时已有全部购房款。银行放款通常在上午10点前完成，但有时会稍有延迟，这是正常的。

上午：双方律师完成文件交换

买家律师在确认款项到账后，会将钱汇给卖家律师，同时双方律师完成产权文件的电子登记（Ontario Land Registry）。这个过程全部在律师办公室之间完成，买卖双方通常不需要亲自到场——你已经在前几天签好了所有文件。

下午2-6点：拿到钥匙

产权登记完成后，卖家律师通知卖家经纪可以释放钥匙。一般情况下，钥匙在下午2–6点之间通过卖家经纪或lockbox释放。请注意：上午催钥匙是催不出来的，因为法律程序还没完成。不要跑去房子门口等，一切以律师确认为准。

如果出现延迟怎么办？

偶尔会因银行放款延误、产权文件问题等导致当天延迟。如果在下午4点后仍未完成，买卖双方可协商延至次日（Bridge Closing），额外产生的律师费和利息通常由导致延迟的一方承担。如果是你的贷款出问题，请尽早联系律师，不要等到当天。

交接当天买家需要自己做的事

通常你不需要去律师办公室（已提前签过文件）。你需要做的是：确认钱已汇出、保持手机畅通等待律师确认、等到律师/经纪告知可以取钥匙再去。可以提前通知搬家公司下午灵活安排，不要预定上午的固定时间窗口。

Closing Day 资金流向图

银行贷款 + 买家首付余款

↓

买家律师信托账户

↓

卖家律师信托账户

↓

产权登记完成 → 钥匙释放

Arthur Zhao 赵云帆

Broker · FRI · CLHMS & GUILD Elite · REAIS

📞 416-888-6161 · arthurzhao.realtor

交接当天
Closing Day
安省买房
产权登记
律师放款
多伦多买房

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我的客户里，没有一个是冲动签字的——我会把每个条款、每条风险、每条路径摆在你面前。当你做决定的那一刻，不是凭感觉，而是把每条路的风险和代价都看透了。None of my clients have ever signed on impulse. I lay every clause, every risk, every path on the table — so when you decide, it's not by feel, it's because you've seen the cost of every option.

12 项行业认证不是挂在墙上的头衔，而是我处理每一笔复杂交易时的工具箱。正因为不断学习、持续进步，我才有底气给出合理的建议。Twelve industry designations aren't wall decor — they're the toolkit I bring to every complex deal. Continuous learning is what gives me the standing to advise with confidence.

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交接当天从早到晚全流程详解

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