	      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

	      Buying	    

If You Have Title Insurance, Do You Still Need a Survey (RPR)? They’re Not the Same Thing

Buying in Ontario, do you still need a survey/RPR if you have title insurance? Per the Association of Ontario Land Surveyors and others, a survey (RPR) is a surveyor's professional opinion on boundaries, structures, and easements; title insurance is a financial product that pays out after you buy and won't tell you where your boundaries are. A southern Ontario survey is typically $1,700–$2,200. Here's the difference.

	      Jun 11, 2026	    

	      Buying	    

Who Holds Your Deposit, and Where? Ontario’s Trust Account and Deposit Rules Explained

When buying in Ontario, who holds your deposit and where? Per RECO and Ontario Reg 567/05, the deposit is usually delivered within 24 hours of acceptance, is around 5% of the price, and is held by the listing brokerage in a trust account, protected by RECO deposit insurance (up to $200,000 per claim). Here's the full picture, including what happens to the deposit if the deal collapses.

	      Jun 11, 2026	    

	      Closing & Conditions	    

The Pitfalls of Condo Assignment Sales: Taxes, Buyers, and the Builder

Assigning a pre-construction condo needs the builder's consent and often a fee; since May 2022 assignments are taxable for GST/HST; and since 2023 profit on property held under 365 days is fully taxed as business income. Here are the four pitfalls.

	      Jun 10, 2026	    

	      Closing & Conditions	    

Pre-Construction Condo Closing, Start to Finish: Interim Occupancy, PDI, and Final Closing

Closing on an Ontario pre-construction condo happens in three stages: interim occupancy (you pay occupancy fees), the Tarion PDI inspection, and final closing after the corporation registers. Here's each step, plus the 1-2-7 year warranty structure.

	      Jun 10, 2026	    

	      Closing & Conditions	    

How Tarion New Home Warranty Works in Ontario: From PDI to Filing a Claim

How does Tarion new home warranty work in Ontario? Understand the 1-, 2-, and 7-year coverage, the PDI, the 30-day and year-end forms, MyHome claim timelines, and delayed-occupancy compensation. A broker's plain-English guide.

	      Jun 8, 2026	    

	      Closing & Conditions	    

Ontario’s Tarion New Home Warranty: What 1, 2, and 7-Year Coverage Means

Every new freehold home and new condo in Ontario carries a mandatory Tarion warranty. Here's what the 1-, 2-, and 7-year tiers cover, the deposit-protection caps, delayed-closing/occupancy compensation, what's excluded, the statutory claim forms, and how the HCRA now licenses builders separately from Tarion.

	      Jun 7, 2026	    

	      Closing & Conditions	    

Interim Occupancy Fees on Pre-Construction Condos: The Phantom Rent Explained

On an Ontario pre-construction condo, you move in at occupancy but only take title at final closing. In between you pay an interim occupancy fee. Under the Condominium Act 1998 s.80(4) it equals interest on the unpaid balance + estimated taxes + projected common expenses — it builds no equity. Here's how it's calculated and how to budget.

	      Jun 7, 2026	    

	      Closing & Conditions	    

Ontario Pre-Construction Final Closing: Complete Process & Pitfall Guide

The complete Ontario pre-construction closing roadmap: from PDI inspection and Tarion warranty to Interim Occupancy and Final Closing — with timelines, closing-cost breakdowns, and the traps that catch first-time buyers. Arthur Zhao's practical guide.

	      May 16, 2026	    