Mortgage & Finance
Mortgage rates, financing, and home loan guides for Ontario buyers
Fixed vs Variable: Which Mortgage Rate Should You Lock in Ontario in 2026?
A fixed rate locks your rate for the whole term; a variable rate moves with the central bank's policy rate. As of June 2026 the Bank of Canada's policy rate is 2.25% (held for a fifth straight time) and prime is 4.45%. Here's the difference, the huge gap in prepayment penalties, the stress test, and how to choose for your situation.
固定利率 vs 浮动利率：2026 年安省的房贷到底该锁哪个？
固定利率锁定整个期限的利率；浮动利率随央行政策利率波动。2026 年 6 月加拿大央行政策利率为 2.25%（连续第五次维持），prime 利率为 4.45%。本文讲清两者区别、提前还款罚款的巨大差异、压力测试，以及怎么按你的情况选。
CMHC 贷款保险到底是什么？首付不足 20% 必须懂的费率、上限和省钱逻辑
首付不足 20% 时，加拿大法律要求购买按揭违约保险（CMHC 等）。据 CMHC，保费按贷款额 0.60%–4.00% 不等，首付越少越贵。2024 年 12 月 15 日起，可保房价上限升至 $150 万，首次购房者及新建房可享 30 年摊还。本文讲清费率、首付分层、安省 8% 销售税，以及怎么算最划算。
加拿大各大银行的特别贷款项目和优势，一篇看懂该选谁
加拿大五大行各有特色贷款项目：Scotia STEP、TD FlexLine、RBC Homeline、BMO ReadiLine、CIBC Home Power。本文讲清可循环额度(readvanceable)原理、压力测试规则和2024保险贷款新政，帮你选对贷款。
How to Actually Measure Real Estate Investment Returns: Cap Rate, Cash-on-Cash, and IRR Explained
A plain-English guide to real estate investment metrics: cap rate, cash-on-cash return, gross/net yield, and IRR. Includes a worked example showing how leverage and compounding affect your actual return.
如何真正衡量房地产投资回报：现金回报率、资本化率、IRR 全解析
深度解析房地产投资核心指标：现金回报率、资本化率、毛/净租金收益率与IRR内部收益率的含义、计算方式及局限性，附完整数字演示案例。
How Credit Scores Work in Canada (and How They Affect Your Mortgage)
What credit score do you need for a mortgage in Canada? A clear guide to the 300-900 scale, the five Equifax/TransUnion scoring factors, CMHC's 600 minimum, and how to raise your score before you buy.
加拿大信用评分如何计算？一文看懂它怎样影响你的房贷
信用评分如何决定你的房贷利率与批核？本文解析加拿大 300-900 分体系、Equifax 与 TransUnion 五大计分因素，以及 CMHC 保险贷款最低 600 分门槛与提分方法。
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