	      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	    

经纪查过我身份证，律师为什么还要再查一遍？——安省买房，两套反洗钱规则各管一段

买房时经纪查过一次身份证，到了律师楼律师又查一遍——很多人以为是走过场。其实这是两套独立的反洗钱义务：经纪那次来自联邦 PCMLTFA／PCMLTFR，律师那次来自安省律师公会 By-Law 7.1 Part III。本文讲清「识别」与「核实」的分层、律师会问的 8 项信息、三种核实身份的方法、什么时候会问「钱从哪来」、哪些客户可豁免，以及付给律师的现金为何有 7,500 元的上限（超过即不得收取）。持牌经纪 Arthur Zhao 拆解。

	      Aug 30, 2026	    

	      Tax, Legal & TRESA	    

You Already Bought Title Insurance — Ontario Also Has a Public Land Titles Assurance Fund. What Does Each Actually Cover?

Ontario’s Land Titles Act quietly bars your title insurer from claiming against the public Land Titles Assurance Fund — and that single prohibition (s.59(1)(e)(f)) is the clearest guide to which protection is actually yours. This guide separates a private indemnity contract you bought from the province’s statutory compensation of last resort (s.57(4)(c), a six-year clock, the Director of Titles), keeps both apart from RECO deposit insurance, and flags the 2024 amendments. By licensed broker Arthur Zhao.

	      Aug 25, 2026	    

	      Tax, Legal & TRESA	    

买了产权保险，安省政府其实还有一个「土地产权保障基金」——两者到底谁管什么

你已经买了产权保险，安省《土地产权法》下却还有一个「土地产权保障基金」。本文分清三样常被混为一谈的东西——私人产权保险、公共保障基金、以及 RECO 定金保险——讲清基金依第 57 条赔什么、为什么它是「最后手段」、六年时效与 Director of Titles 程序，以及一条关键分界：保险公司不能借你的名义向基金代位追偿（第 59 条）。持牌经纪 Arthur Zhao 拆解，含 2024 年修订提醒。

	      Aug 25, 2026	    

	      Tax, Legal & TRESA	    

Someone Slips at Your Open House — Are You Liable? Ontario’s Occupiers’ Liability Act, Explained for Sellers and Landlords

Someone gets hurt at your open house or in a unit you rent out — and the first thing Ontario law wants to know is not whether an accident happened, but whether your care was reasonable. This guide anchors on that single test in the Occupiers’ Liability Act (s.3), then works outward from it: who can actually be liable (the “occupier” — and there can be more than one, s.1), how little time an injured visitor may have to sue (for snow or ice, just 60 days — s.6.1), when pointing at your snow contractor works (s.6), whether a warning sign helps, and where a landlord gets pulled in (s.8). Broker Arthur Zhao explains.

	      Aug 25, 2026	    

	      Tax, Legal & TRESA	    

开放屋看房的人在你家门口滑倒了，谁负责？安省《占用人责任法》对卖家和房东都适用

开放屋、看房、出租房里有人滑倒摔伤，卖家或房东要不要负责？安省《占用人责任法》(Occupiers’ Liability Act) 讲清三件事：谁是「占用人」（同一处物业可以有多个）、你欠的是「合理注意」而非「保证不出事」（第 3 条），以及冬天最要命的第 6.1 条——因冰雪受伤须在 60 天内书面通知。含铲雪承包商抗辩（第 6 条）、告示牌到底管不管用、房东版第 8 条。持牌经纪 Arthur Zhao 拆解。

	      Aug 25, 2026	    

	      Tax, Legal & TRESA	    

过户前律师让你宣誓签的「占有声明」，担保的不是占用人或工单，而是逆权侵占与时效地役权

过户时卖家常被要求宣誓签一份 Declaration of Possession（占有声明）。它担保的不是占用人或工单，而是「逆权侵占与时效地役权」。本文讲清：为什么 Land Titles 制度下 99.9% 的安省土地其实用不上它（LTA 第 51(1) 条）、真正相关的只有 Registry 未转换地块与 LTCQ、逆权侵占十年与地役权二十／四十年的时限（RPLA 第 4、31 条），以及卖家含糊或隐瞒可能承担的过失责任。持牌经纪 Arthur Zhao 拆解。

	      Aug 25, 2026	    

	      Tax, Legal & TRESA	    

How Your Closing Funds Actually Move on Closing Day: Ontario Lawyers’ “Trust Conditions” System, Explained

On closing day in Ontario there is no escrow company holding the money — the buyer’s and seller’s lawyers exchange funds and title directly, and the whole thing is held together by one professional conduct rule. Licensed Broker Arthur Zhao explains how Law Society of Ontario Rule 7.2-11 (undertakings and trust conditions) lets two lawyers who have never met safely release funds and register title, why a lawyer who accepts a trust condition is personally bound even if it later seems unreasonable, and why this is a lawyer’s job — not your agent’s.

	      Aug 24, 2026	    

	      Tax, Legal & TRESA	    

过户当天，钱是怎么从买方律师手上安全交到卖方手上的？安省律师的「信托条件」机制

过户当天，买方的钱和卖方的房子，其实是由两边素不相识的律师直接交接的——中间没有托管公司，也没有银行担保。安省持牌 Broker Arthur Zhao 讲清这套「信托条件」机制：一方律师附条件把款项或文件交给对方，对方书面接受后就对自己个人背上必须履行的义务，就算事后觉得条件不合理也得照做；这靠的是安省律师职业操守规则 r.7.2-11，管的是律师、不是经纪。文末也讲清你作为买家卖家真正该盯的那三件事。

	      Aug 24, 2026	    