卖家 · Seller
Seller-side topics: listing, staging, strategy, case studies.
Sold, Moved Out, Closing in Three Weeks: Is Your Empty House Still Insured?
Sold your Ontario home and moved out before closing? Under OREA Form 100 section 14 the house is still your risk. Three things that can go wrong in an empty house, who carries each one, and where a home policy can refuse to pay.
房子卖了、人先搬走，等交房这几周房子空着：你的房屋保险可能已经不赔了
安省卖房后先搬走、等交房期间房子空着，出事谁负责？OREA Form 100 第 14 条规定交房前风险仍在卖家；而保险能不能赔要看你的保单——Insurance Act 法定条件 4（适用于火灾保障部分）要求对风险有实质影响的变化及时书面通知保险公司，空置天数则写在各自保单的条款里。本文拆开这两层，给出搬家前后该做的几件事。
Why Stonehaven-Wyndham Fits Move-Up Buyers in Newmarket — and When It Doesn’t
Stonehaven-Wyndham in southeast Newmarket: what move-up buyers get and give up, how its August 2026 TRREB benchmark prices compare with Newmarket as a whole, and a five-step way to test a specific house.
Selling a Home Bought with the First-Time Home Buyer Incentive: Five Decisions to Make Before You List
Bought with the First-Time Home Buyer Incentive between 2019 and 2024 and now thinking of selling? Your sale price, not the original incentive, sets the repayment, within an 8% per year cap (and, for agreements signed from June 1, 2022, a matching floor). Here are the five decisions to settle before listing: early repayment, pricing, buyer type, porting or buyouts, and closing timelines.
当年用首次购房激励（FTHBI）买的房，现在要卖：政府那份共享产权按什么数还？
2019 至 2024 年用联邦首次购房激励（FTHBI）买房、现在准备出售？卖房会触发全额还款。据 CMHC，还款额按出售时市值乘以当初的 5% 或 10% 计算，一般以买卖合同成交价为准，升值部分最多按激励额每年 8% 单利封顶；2022 年 6 月 1 日或之后签约的，跌价时另有 8% 下限。本文用 CMHC 官方例子算一遍，并列出至少提前 10 个工作日通知的还款流程。
Selling Your Ontario Home When You Owe the CRA: How Your Sale Proceeds Get Paid Out
If you owe the CRA and sell your Ontario home, the debt is paid out of your sale proceeds in a set order. A mortgage registered before the CRA’s memorial is cleared first, the CRA’s registered charge ranks behind it under Income Tax Act s.223(6), and what remains is yours. Here is how the closing-day waterfall actually works.
Selling Your Home in a Consumer Proposal or a Bankruptcy in Ontario: Who Controls the Sale and Where the Equity Goes
A consumer proposal and a bankruptcy answer three questions about selling your Ontario home very differently: who controls the sale, where the equity goes, and what your mortgage lender can still do.
正在走消费者建议或破产，还能卖掉安省的自住房吗？
正在走消费者建议或破产，还能卖安省的自住房吗？破产会把房子处置权依法转归受托人（trustee），消费者建议则不会——两种程序对「房子归谁处置、净值去哪」的结构差别，以及为什么该先问持牌破产受托人（LIT），而不是先挂牌。
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