	      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	    

物业经理管错钱、对报修不作为，业主能去哪投诉？CMRAO 牌照投诉流程详解

物业经理乱用管理费、对报修石沉大海，安省业主能去哪讨说法？答案是 CMRAO——负责给物业经理和管理公司发牌的监管机构。多伦多持牌经纪 Arthur Zhao 讲清 CMRAO 投诉能做什么（把执业操守记录在案、警告、要求进修、转纪律委员会、依 2015 年立法最高罚 $25,000）、不能做什么（拿不回你的钱、管不了董事会），三阶段流程怎么走、怎么在公开注册名录查经理是否持牌，以及记录/宠物/噪音纠纷该改走 CAT。本文为一般性法规信息，非法律意见，个案请咨询律师。

	      Aug 10, 2026	    

	      Tax, Legal & TRESA	    

房子上挂着一张没解决的市政整改令，还能卖吗？卖家的披露、买家能不能反悔、交割怎么处理

房子上有一张没解决的市政物业标准整改令（Property Standards Order / Order to Comply），还能不能卖？能卖，但按《Building Code Act, 1992》s.15.2(4)，这张令一旦注册到地契上就随物业走，买家接手后仍要负责整改，且被视为已收到该令。安省总体是买者自负，没有法律强制你主动交代，但被买家直接问、或在 SPIS 卖家披露表上填了，就必须如实，何况买方律师查册基本瞒不住。本文讲清卖家的披露边界、买家在 requisition 期能不能反悔、以及交割前是先整改、降价转手还是做 holdback 的三条实务路径，并以多伦多市法典第 629 章为市政样本。不构成法律意见。

	      Aug 9, 2026	    

	      Tax, Legal & TRESA	    

Parent on Title to Help You Qualify: Do You Have to File CRA’s T3 and Schedule 15?

Adding a parent to title so a child can qualify for a mortgage does not automatically mean filing a CRA T3 return or Schedule 15. A co-signer who is not on title creates no trust at all; bare-trust reporting did not apply for the 2024 and 2025 tax years; and from 2026 the typical case — related owners, child living there as a principal residence — usually falls within the exception in Income Tax Act s.150(1.31)(b). Here is where the line actually sits, and which families do get pulled in.

	      Aug 8, 2026	    

	      Tax, Legal & TRESA	    

父母加名帮孩子过贷款审批，要报 CRA 的 T3 / Schedule 15 吗？

父母加名帮孩子过贷款审批，要不要向 CRA 报 T3 和 Schedule 15？先分清：只做贷款担保人、名字不上地契，根本不构成信托，不用报；名字上了地契、受益权归孩子才可能是「裸信托」。2024 和 2025 两个税务年度按《所得税法》根本不适用申报；2026 税务年度起部分裸信托重新纳入，但父母子女互为亲属、孩子自住主要住所的常见情形，通常落在 s.150(1.31)(b) 的例外里，一般仍不用报。本文讲清这条分界线，以及哪些情况才真的要报。

	      Aug 8, 2026	    

	      Buying	    

How to Check a Home’s Past in Ontario: Permits, Sales, Insurance Claims and Title

There is no Carfax for houses — so how do you check a home’s past before you buy in Ontario? This buyer’s guide sorts the background check by how reachable each record is: the public title record (owner, transfers, mortgages, liens and writs on the OnLand parcel register), building permits you have to request from the city (and the open-permit trap), MLS sale and listing history through your agent, and the one trail you mostly cannot get — the prior owner’s insurance claims. Includes a one-page what-to-check / where / who / cost checklist, plus where seller disclosure law actually draws the line. Fees per current OnLand and municipal schedules; statute verified 2026-08-06. Not legal advice.

	      Aug 7, 2026	    

	      Tax, Legal & TRESA	    

一套房的「前世」怎么查：permit、成交史、保险索赔、诉讼

买一套二手房前，怎么查清它的「前世」？本文把买家背调拆成四条独立的线：① 产权与诉讼（title search、executions／writs、liens，condo 还要看 status certificate 里的诉讼披露）② 建筑许可（open／未关闭 permit 怎么查、去市政 building department 调记录）③ 成交与挂牌史（经纪调 MLS、OnLand 查 parcel register 的转让与按揭）④ 保险理赔史——这条最难，安省买家通常拿不到前业主的记录。附一张「查什么—去哪查—谁来做—成本·多久」总清单。产权检索与调档费用一律以各机构现行收费表为准，法条与规则 2026-08-06 核。非法律意见。

	      Aug 7, 2026	    

	      Tax, Legal & TRESA	    

Landlord Won’t Repair or Keeps Barging In? Filing a T2 or T6 With Ontario’s LTB

Landlord will not repair, or keeps entering without notice? Ontario tenants have two LTB forms — a T6 for maintenance and a T2 for tenant rights, both filed under Residential Tenancies Act s.29 — but both are won or lost on evidence, not anger. This guide is built around proof: the one-year limit in s.29(2), what documents actually prove a T2 versus a T6, why s.30(2) makes notifying the landlord first count, filing and fees ($48 via the Tribunals Ontario Portal, $53 otherwise), the video hearing, and the remedies the Board can order.

	      Aug 7, 2026	    

	      Tax, Legal & TRESA	    

房东不修东西、随便进屋怎么办：安省租客 LTB 投诉实操（T2/T6）

房东不修东西、不打招呼就进屋，安省租客怎么向 LTB 投诉？维修问题填 T6、侵权问题填 T2，都递交到安省地产法庭，依据《住宅租赁法》第 29 条。本文按六步实操讲清：怎么确认 RTA s.29(2) 的一年时效、证据怎么留、表格怎么填得具体、递交交费（网上门户 $48／其他 $53）、聆讯怎么准备，以及能拿到租金减免、责令维修、赔偿等哪些救济；并单独解答新移民租客最担心的报复性驱逐问题。

	      Aug 7, 2026	    