	      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	    

Low Appraisal After a Firm Offer in Ontario: Who Covers the Gap?

The short answer: you cover the gap in cash, and you no longer have an exit. In Ontario, a lender funds a mortgage based on the lower of the purchase price or the appraised value — not the price you negotiated. According to CMHC, the loan amount (and loan insurance) is calculated on the lesser of th

	      Jun 17, 2026	    

	      Closing & Conditions	    

Tarion Delayed Closing & Occupancy Compensation: What a Builder Owes You When the Date Slips

In most cases, yes. Ontario's new-home warranty is administered by Tarion, and its statutory warranty includes delayed-closing compensation (for freehold homes) and delayed-occupancy compensation (for condominium units). As long as the delay is not caused by you and is not an "Unavoidable Delay" as

	      Jun 16, 2026	    

	      Closing & Conditions	    

开发商一再推迟交房：Tarion 延迟交房赔偿能拿多少？

在大多数情况下可以。安省的新房保修由 Tarion 管理，它的法定保修里包含「延迟交房」（freehold 独立屋等用 delayed closing）和「延迟交楼」（condo 用 delayed occupancy）的赔偿。只要延迟不是你造成的、也不属于 Tarion 定义的「不可避免延迟」（unavoidable delay），开发商就必须按照购房合同里那份 Tarion Addendum（附录）和 Statement of Critical Dates（关键日期声明）的规则赔偿你。根据 Tarion（2026），赔偿按每天 150 加元的生活费计算，加上其他实际损失，封顶 7,500

	      Jun 16, 2026	    

	      Closing & Conditions	    

Pre-Construction Condo Closing in Ontario: Interim Occupancy, the PDI, and Tarion Warranty Explained

The defining difference is that a pre-construction condo has two closings. First comes interim occupancy: the building is not yet registered as a condominium corporation at the land registry, but you get the keys and move in, paying a monthly "occupancy fee" (often called "phantom rent") that is not

	      Jun 15, 2026	    

	      Closing & Conditions	    

楼花交接一网打尽：临时入住、PDI 验房与 Tarion 保修全流程

最大的不同是楼花有“两次交接”。先是临时入住（interim occupancy）——大楼还没在土地登记处注册成立 condo corporation，你就拿到钥匙搬进去住，这期间每月付的是“occupancy fee”（俗称“影子租金”），不是房贷；等到 condo corporation 正式注册、产权过户给你，才是最终交接（final closing），这时你才真正“拥有”这套房、贷款也才正式启动。据 Tarion（安省新房保修管理机构）说明，这套两次交接的结构是公寓楼花独有的。

	      Jun 15, 2026	    

	      Closing & Conditions	    

How Pre-Construction Deposits Work in the GTA — and Exactly How Much Tarion Protects

How are GTA pre-construction deposits staged? What does Tarion deposit protection cover for condos vs. freehold homes? How much do you recover if a builder cancels or goes bankrupt? Arthur Zhao breaks down the deposit structure, the coverage limits, and how it differs from a resale deposit held in trust.

	      Jun 14, 2026	    

	      Closing & Conditions	    

楼花首付怎么交、被Tarion保多少：从付款表到开发商破产，我替客户算过的那笔账

GTA楼花首付通常怎么分期？Tarion存款保险公寓保多少、独立屋保多少？开发商取消或破产时你的钱能拿回多少？Arthur Zhao逐条拆解楼花首付结构与保护额度，并和二手房信托存款对比。

	      Jun 14, 2026	    

	      Closing & Conditions	    

How Ontario’s Last Month’s Rent Deposit Really Works: One Month Max, Interest Owed, Not a Damage Deposit

In Ontario, a landlord can only collect a last month's rent deposit (at most one month for monthly tenancies), usable only for the final month's rent — not as a damage deposit. Landlords must pay annual interest equal to the rent-increase guideline, which is 2.1% in 2026. Here's how much can be collected, how interest works, what's illegal, and what to do if an illegal deposit was taken.

	      Jun 12, 2026	    