	      Category	    

Closing & Conditions

交割与条件：firm、押金、贷款条件、验房条件、产权保险、律师 closing。 Going firm, deposits, financing conditions, home inspection, title insurance, lawyer closing.

买家 · Buyer 细分Buyer subtopics 工具与知识库Buyer Toolkit & Reference 交割与条件Closing & Conditions 公寓专题Condo Buyer Guide 首次 · 新移民 · 投资First-Time, Newcomer & Investing 出价策略Offer Strategy 税法与监管Tax, Legal & TRESA 看房与验房Viewing & Inspection

	      Closing & Conditions	    

The Tarion New Home Warranty in Ontario: The 1-, 2-, and 7-Year Coverage Explained

A GTA buyer's guide to Ontario's Tarion new home warranty: what the 1-, 2-, and 7-year tiers each cover, deposit protection limits (up to $100,000 freehold, $20,000 condo), delayed-closing compensation (up to $7,500, $150/day), the 30-Day and Year-End forms, and how it works with the builder's HCRA licence. Source: Tarion / HCRA.

	      Jul 5, 2026	    

	      Buying	    

Buyer Closing Costs in Ontario: A Complete Breakdown, With a Real $1M Toronto Example

Ontario buyer closing costs: provincial + Toronto land transfer tax, first-time rebates, legal, title insurance, the 8% PST on CMHC premiums, with a worked $1M example.

	      Jul 5, 2026	    

	      Closing & Conditions	    

The Ontario New-Home PDI: How One Hour Before Possession Protects Your Tarion Warranty for 7 Years

A complete guide to the Pre-Delivery Inspection (PDI) for a new or pre-construction home in Ontario: what the PDI is, a room-by-room checklist, how to document it, and the Tarion 1-, 2-, and 7-year warranty timeline with Initial and Year-End forms. By Arthur Zhao.

	      Jul 4, 2026	    

	      Buying	    

The Home-Buying Deposit in Ontario: How It Differs From the Down Payment, the 24-Hour Rule, and Trust Accounts

Your Ontario home-buying deposit isn't your down payment. Learn how they differ, the GTA-typical ~5%, the OREA 'Upon Acceptance' 24-hour delivery rule, accepted forms like certified cheque and bank draft, how the deposit is held in trust, and when it can be forfeited.

	      Jul 4, 2026	    

	      Closing & Conditions	    

The New-Build Cost Buyers Miss: Development Charges and Levies in Ontario

Development charges and levies are the most overlooked cost of buying a new-build or pre-construction home in Ontario. According to the City of Toronto (2025), the DC on a two-bedroom condo is $80,690 per unit. Here's how DCs, education levies, Tarion fees, hook-up charges and HST work — and why you must cap levies in the contract.

	      Jun 28, 2026	    

	      Closing & Conditions	    

Is Your Pre-Construction Deposit Safe? Deposit Structure & Tarion Protection (2026)

Are the tens of thousands you put down on a pre-construction home safe? A guide to deposit structure and Tarion deposit protection for condos (Condominium Act trust + up to $20,000 from Tarion) and freehold homes (up to $60,000 / $100,000), plus the new April 1, 2026 rule requiring freehold buyers to notify Tarion within 45 days.

	      Jun 25, 2026	    

	      Buying	    

The Home Buyer’s Deposit in Ontario: How Much, Who Holds It, What If It Fails

Buying in Ontario: how much is the deposit, who holds it, and can you get it back if the deal dies? A guide to typical GTA deposit amounts, the brokerage trust account, RECO consumer deposit insurance (up to $200,000 per claim), and what happens to the deposit on a failed deal.

	      Jun 25, 2026	    

	      Closing & Conditions	    

Interim Occupancy & Occupancy Fees on Pre-Construction Condos

What are interim occupancy and occupancy fees on an Ontario pre-construction condo? A guide to the three components of the occupancy fee, its statutory basis, how long it can last, and why this money doesn't pay down principal or build equity.

	      Jun 24, 2026	    