观察 · Observation
Market data, industry analysis, and realtor observations.
Foreign Buyer Ban & NRST: Can Non-Residents Buy in Ontario (2026)?
In 2026 Canada's foreign buyer ban runs to January 2027 and Ontario charges a 25% Non-Resident Speculation Tax (NRST). Can non-residents buy in Ontario? A guide to the federal ban's scope and exceptions, the NRST rate, and how the two stack.
When Is the Best Time to Buy a Home in the GTA?
When is the best time of year to buy a home in the GTA? A breakdown of seasonality (busy spring, quiet winter), sales-volume cycles and the Bank of Canada rate cycle — plus what matters more than picking a month.
一年中什么时候买房最好？季节、成交量与利率周期
GTA 一年中什么时候买房最好？从季节性（春旺、冬淡）、成交量周期到 Bank of Canada 利率周期，拆解买房时机的真实权衡，并给出比「挑月份」更重要的判断。
Average vs Median vs HPI: How to Read GTA Home Prices
Why can TRREB's headline “average sale price” mislead you? A clear guide to average, median and the MLS HPI benchmark — how each is calculated and which one to trust when reading GTA price trends.
看房价别只看均价：均价、中位价和 HPI 基准价的区别
TRREB 公布的「平均成交价」为什么会误导？详解均价、中位价和 MLS HPI 基准价三者的区别与计算方式，教你用对的指标读懂 GTA 房价走势。
Why a Realtor’s Commission Is Not Take-Home Pay: Where the Money Actually Goes
A realtor's commission is not profit. Where an Ontario commission goes: brokerage split, RECO insurance, board dues, marketing, HST and self-employment tax.
经纪收到的佣金，根本不是净收入：一笔佣金到底花在了哪里
地产经纪佣金不等于到手收入。我用 Ontario 真实费用结构拆解佣金去向：经纪行分成、RECO 保险、TRREB/OREA/CREA 会费、营销、HST 与自雇税。
How Canada’s Alto High-Speed Rail Could Affect Home Values Along the Corridor
Alto (formerly HFR) links Toronto to Quebec City via Peterborough and Ottawa. A measured look at how rail access may affect home values on a long timeline.
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