	      Category	    

Tax, Legal & TRESA

税法与监管：HST、土地转让税、律师费、BRA、TRESA、RECO。 HST, Land Transfer Tax, lawyer fees, BRA, TRESA reform, RECO rules.

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

	      Tax, Legal & TRESA	    

Adding a Legal Basement Rental Unit: Will MPAC Reassess Your Home Into a Higher Property Tax Class?

Adding a legal basement or ADU rental unit can trigger a supplementary or omitted assessment on the new improvement, but a house with one added unit is two units — far short of the seven-unit multi-residential class threshold, so your tax class doesn't change. Value is still set on the Jan 1, 2016 base year, and back-taxes reach at most the current year plus two. What to do when the Change Notice arrives.

	      Jul 31, 2026	    

	      Tax, Legal & TRESA	    

加建合法地下室出租单位后，MPAC 会不会把你的房子重新评估、税率跳到多户住宅类？

加建合法地下室出租单位后，MPAC 可能就新增改良发出补充/遗漏评估，但你的独立屋加一个单位只有两个单位，远达不到多户住宅类的七单位门槛，税率类别不变。评估值仍按 2016 基准年计，补税最多可回溯当年加前两个纳税年度。收到 Property Assessment Change Notice 怎么办，一文讲清。

	      Jul 31, 2026	    

	      Tax, Legal & TRESA	    

Multiple Wills in Ontario: They Shrink Probate Tax on Your Business — Not on the House You Own Outright

Ontario multiple wills (primary/secondary) save Estate Administration Tax on assets that don't need probate — private-company shares, shareholder loans — not on a home registered in your sole name. Land in the Land Titles system still needs a certificate to transfer. EAT: nil under $50,000, then $15 per $1,000. Not legal advice.

	      Jul 31, 2026	    

	      Tax, Legal & TRESA	    

安省双重遗嘱：能省遗产认证税的是公司股份，不是你名下的房子

安省双重遗嘱（Primary/Secondary Will）真正能省遗产认证税的是私人公司股份、股东贷款等无需 probate 的资产，不是你名下的房子。房产因需在 Land Titles 过户，通常仍得走 primary will。EAT：$50,000 以下免征，超出部分每 $1,000 收 $15。本文非法律意见。

	      Jul 31, 2026	    

	      Tax, Legal & TRESA	    

Ontario’s Farm Property Tax Program: Why Most Rural Retreats Don’t Actually Qualify

Ontario's farm property class caps farmland and outbuildings at no more than 25% of the residential rate, but your house and one acre stay at the full rate. Eligibility hinges on a valid FBR and $7,000 in gross farm income. Read this before buying rural acreage.

	      Jul 30, 2026	    

	      Tax, Legal & TRESA	    

安省农场地税优惠：为什么大多数「乡村度假房」其实不够资格

安省农地税优惠只把农地和农用建筑压到住宅税率的最多 25%，你的房屋加一英亩仍按全额住宅税率计。资格核心是有效 FBR 加年农业毛收入 $7,000。买乡村地产前先算清这笔账。

	      Jul 30, 2026	    

	      Tax, Legal & TRESA	    

If a Brokerage Steals Your Deposit: What Ontario’s Consumer Deposit Insurance Actually Covers

A brokerage's theft, insolvency or misappropriation of trust funds made your deposit vanish—what gets it back in Ontario? Not a “fund,” but RECO's mandatory Consumer Deposit Insurance: up to $200,000 per claim, capped at $4 million per event, pro-rated above that, no deductible, free to consumers. This guide covers what triggers coverage, the limits, how to file and by when, subrogation after payout, and what it never covers—market losses, bad deals, or a dispute over who is owed the deposit. Figures sourced to RECO, verified 2026-07-29.

	      Jul 29, 2026	    

	      Tax, Legal & TRESA	    

经纪行挪用了你的定金，谁来赔？RECO 消费者定金保险能赔多少、怎么申请

经纪行盗用、破产或挪用信托款，导致你的定金真的不见了，安省靠什么追回？答案不是一个「基金」，而是 RECO 强制持牌经纪投保的消费者定金保险（Consumer Deposit Insurance）：最高每宗索赔 $200,000、单一事件合计封顶 $400 万、超出按比例分摊、无自付额。本文讲清承保情形、赔付上限、申请流程与时限、赔付后的代位求偿，以及它不覆盖的交易亏损、市场下跌与定金归属争议。数字溯源 RECO 官方，核实于 2026-07-29。

	      Jul 29, 2026	    