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.
把地下室或一个房间租出去，将来卖房要按比例交资本利得税吗？
把地下室或一个房间租出去，将来卖房要不要按比例交资本利得税？关键不是面积，而是有没有结构性改造、有没有报 CCA。地产经纪 Arthur Zhao 依据 CRA 税务解释 S1-F3-C2 讲清判定链：出租一两个房间通常保留整套房的自住房豁免；改造出独立地下室套房则可能触发按比例视同处置；而一旦开始报 CCA，视同处置会回溯到你开始出租那一天。文中区分「法律规定」与「CRA 惯例」，并附 2019 年起新增的 45(2) 部分改变用途选择权。安省无单独省级规则。具体请咨询持牌会计师。
Buying Again After a Divorce: The HBP Has a Marriage-Breakdown Rule, the FHSA Does Not
After a separation you may fund one down payment from two pots — an RRSP through the Home Buyers’ Plan, and an FHSA — yet each account applies a completely different eligibility test, and a divorce moves only one of them. The HBP was written with a relationship breakdown in mind: Income Tax Act s.146.01(2.1) can deem you not to have owned a home. The FHSA (s.146.6) has no such clause — a separation only drops your ex’s property from its test, never a home you owned yourself. Toronto broker Arthur Zhao maps which clause moves which clock, and where the two do not line up. General information, not tax advice.
离婚后重新买房：HBP 有婚姻破裂例外，FHSA 没有
离婚或分居后重新买房，首次购房福利会「重置」吗？答案不对称：HBP（RRSP 提取）有专门的婚姻破裂例外——《所得税法》s.146.01(2.1)，分居满 90 天并按期处置旧居可被视为没有自住房；FHSA 却没有任何等价条款，s.146.6 全条皆无。安省地产经纪 Arthur Zhao 把这个不对称精确对到条款上：离婚只会让「前配偶的房」退出 FHSA 测试，不会豁免你自己曾拥有并自住的房。一般性梳理，非税务意见，个案请咨询会计师。
Died Without a Will in Ontario: Who Inherits the House, and Who Can Actually Sell It
The house is registered in one person’s name, they have died, and there is no will — so who inherits it, in what shares, and who is legally allowed to sell it? Toronto broker Arthur Zhao walks through Ontario’s intestacy rules under the Succession Law Reform Act: the spouse takes a $350,000 preferential share first, then the remainder splits by number of children (one child, spouse takes half; two or more, a third). It clears up the two figures people get wrong — the share is pegged to the date of death, not the filing date, and the split is on the estate’s net value, not the home’s market price — and two things secondary sources miss: only a married spouse inherits on intestacy (a common-law partner’s route is dependant support, not inheritance), and a separated spouse no longer inherits since 2021. General legal information, not legal advice — consult an Ontario estates lawyer for your own situation.
没立遗嘱就走了：安省无遗嘱继承法怎么分房产、谁又有权卖房
房子登记在过世的人一个人名下、又没留遗嘱，房产到底归谁、按什么比例分、谁又有权把它卖掉？安省持牌经纪 Arthur Zhao 依《继承法改革法》拆解无遗嘱继承的分配公式：配偶先取 35 万优先份额，剩余部分再按子女人数分（一个子女配偶取一半、两个及以上取三分之一）；讲清两个最易算错的点——优先份额挂钩的是过世日期而非办手续日期、分配基数是遗产净值而非房子市值。还点破两个高价值认知：只有「已婚配偶」按继承法继承（同居伴侣走的是受养人供养这条不同的路）、分居配偶自 2021 年起不再继承。全文为一般法律信息，不构成法律意见，具体个案请咨询安省执业遗产律师。
Which School Board Does Your Property Support by Default? Ontario School Support Designation, Explained for Owners and Renters
That school board printed on your Ontario property tax bill or your municipal voter card? If you never picked one, it was chosen for you — the default is English-Public. Toronto broker Arthur Zhao breaks down your School Support Designation: it steers your vote (which voters list you land on, which school-board trustee election you can cast a ballot in), not your tax total (education rates are set province-wide by the Minister of Finance under Ontario Regulation 400/98). Heads up on timing: the June 1, 2026 update deadline is already behind us, so a change now is logged by MPAC but skips the Preliminary List of Electors unless you forward MPAC’s confirmation email to your municipality. Vote day: October 26, 2026. Verified 2026-08-12 against MPAC and ontario.ca.
你的房产默认支持哪个校董会？安省 School Support Designation 全解（业主与租客都适用）
安省每处房产都被自动挂到一个校董会，不选就默认英语公立（English-Public）。多伦多持牌经纪 Arthur Zhao 讲清这项 School Support Designation 到底决定什么（你进哪份选民册、能投哪个校董选举）、不决定什么（它不改变你交多少地税——教育税率由财政厅长按 Ontario Regulation 400/98 全省统一设定）。重点提醒：2026 年 6 月 1 日更新截止日已过，现在改仍有效但不会进 Preliminary List of Electors，必须把 MPAC 的确认邮件转给市政府才能进最终选民册。市选与校董选举日 2026-10-26。数据核实于 2026-08-12，以 MPAC 与安省政府官网为准。
Your Condo Manager Mishandled Money or Ignored Your Repairs: Where a CMRAO Complaint Fits (and Where It Doesn’t)
Complaining about a condo manager in Ontario starts with knowing which body owns the problem. The CMRAO licenses and disciplines condo managers and management companies; the Condominium Authority Tribunal handles disputes with the corporation itself (records, pets, parking, nuisances); budget and common-expense fights belong to neither. Toronto broker Arthur Zhao maps the three doors, walks through the CMRAO’s three complaint stages, shows how to verify a licence on the public registry, and explains why even a maximum $25,000 discipline fine — which the Condominium Management Services Act (2015) directs to the regulator — never lands in your pocket. General information, not legal advice.
You must be logged in to post a comment.