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观察 · Observation

Market data, industry analysis, and realtor observations.

观察 · Observation 细分Observation subtopics 行业观察Industry & Realtor 市场分析与数据Market Data & Analysis
Market Data & Analysis

Canada Credit Score Guide: How to Maintain and Improve (Equifax + TransUnion)

Canada Credit Score Guide: How to Maintain and Improve (Equifax + TransUnion) | Arthur Zhao AZ AZ Real Estate Partners Mortgage & Finance · Credit…

May 4, 2026
Industry & Realtor

Commission, HST, and T4A: How Real Estate Agents Report Commission Income to CRA

How do real estate agents report commission to CRA? Per CRA (2026), real estate agents are self-employed (employee status is rare). Commission income requires: (1) HST registration (annual revenue &gt

Apr 30, 2026
Buying

Canada Home-Buying Policy Update 2026: What Actually Affects You

2025-2026 is policy-heavy. Five core policies directly affect GTA buyers: (1) 30-year amortization for first-time homebuyers (April), (2) foreign buyer ban extended to 2027, (3) FHSA now 3 years old,

Apr 26, 2026
Market Data & Analysis

9 Things Every Ontario Buyer Must Know in 2026: Rates, Stress Test & Policy

Buying a home in Ontario in 2026? Arthur Zhao breaks down 9 must-know facts: stress test rules, Bank of Canada rate cuts, FHSA, HBP changes, land transfer tax, and closing costs every buyer should budget for.

Apr 24, 2026
Industry & Realtor

Explained the Contract Thoroughly — and They Still Won’t Sign. What’s Going On?

When clients understand every clause but still won't sign, the problem isn't the contract — it's trust. Arthur Zhao breaks down why Ontario buyers hesitate and what realtors should do instead.

Apr 24, 2026
Market Data

10 Things to Watch When Buying in an Ontario Rate-Cut Cycle

Bank of Canada rate cuts change the GTA buying landscape — but not always the way buyers expect. Arthur Zhao breaks down 10 critical factors to watch during a rate-cut cycle in Ontario.

Apr 24, 2026
Market Data & Analysis

9 Things Every GTA Buyer Must Watch in 2026: Rates, Tariffs, New Builds & More

9 Things Every GTA Buyer Must Watch in 2026: Rates, Tariffs, New Builds & More | Arthur Zhao Buying · Article 252 9 Things Every GTA Buyer Must Watch…

Apr 15, 2026
Market Data & Analysis

Canada Mortgage Rates Comparison 2026: How to Find the Best Rate Across Major Banks

Mortgage & Finance Canada Mortgage Rates 2026: Big Banks vs. Brokers — What GTA Buyers Need to Know Arthur Zhao · Real Estate Broker · FRI · ABR · SRS…

Apr 11, 2026
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