Mortgage & Finance
Mortgage rates, financing, and home loan guides for Ontario buyers
Reverse Mortgages for Ontario Homeowners 55+: How CHIP and Equitable Bank Work — and Whether They’re Worth It
A reverse mortgage lets Ontario homeowners 55+ tap home equity with no monthly payments — but compounding interest erodes your estate. Arthur Zhao breaks down CHIP, Equitable Bank, the costs, the trade-offs, and the alternatives.
安省 55 岁以上业主的反向按揭：CHIP 和 Equitable Bank 怎么运作，值不值得做
反向按揭让安省 55 岁以上业主无需月供就能套现房屋净值，但利息复利会侵蚀遗产。Arthur Zhao 拆解 CHIP 和 Equitable Bank 的额度、利率、利弊与替代方案。
The RRSP Home Buyers’ Plan Is Now $60,000: How to Withdraw, Repay, and Stack It with the FHSA
Canada's RRSP Home Buyers' Plan (HBP) withdrawal limit rose to $60,000 in 2024 — up to $120,000 for a qualifying couple. Here's how the HBP works, the 15-year tax-free repayment rule, and how to stack it with the FHSA to maximize your down payment.
RRSP首次购房计划（HBP）升级到6万：怎么取、怎么还、如何和FHSA叠加
加拿大RRSP首次购房计划（HBP）取款上限2024年起升至6万加元，夫妻合计可取12万。本文详解HBP资格、15年免税还款规则、与FHSA叠加策略，帮你最大化首付资金。
$1.5M Insured Mortgage Cap & 30-Year Amortizations: How the Dec 2024 Rules Help You Buy
Since December 15, 2024, Canada's insured mortgage cap rose from $1M to $1.5M — you can buy a $1.5M home with $125,000 down instead of $300,000. All first-time buyers and anyone buying new construction can also choose a 30-year amortization. Here's what it means for your budget.
保险房贷上限升至150万、首次购房可做30年摊还：2024年底新规怎么帮你上车
2024年12月15日起，加拿大保险房贷上限从100万升至150万，首付不到20%也能买150万的房（首付12.5万）；所有首次购房者及购买新建房者可选30年摊还。本文详解新规如何影响你的购房预算。
Canada’s First-Time Home Buyers’ GST Rebate (Bill C-4): Up to $50,000 Back on a New Home
Bill C-4's First-Time Home Buyers' GST Rebate became law on March 12, 2026. Eligible first-time buyers get a full rebate of the 5% federal GST on new homes up to $1M (up to $50,000), phasing out between $1M and $1.5M. Here's who qualifies and how it works.
首次购房者新房GST退税（Bill C-4）：最高省5万加元，谁能拿、怎么算
加拿大Bill C-4首次购房者GST退税2026年3月12日正式生效。100万以下新房可全额退还5%联邦GST、最高省5万加元，100万至150万按比例递减。本文详解资格、价格门槛与申请要点。
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