安省买房办事清单：每一步跟谁办、去哪查Ontario Home Buying Checklist: who you deal with at every step
从签约前查资质，到入住后开水电地税账户，按你的城市和房型筛出要办的事，每一条都附官方出处。From checking licences before you sign to opening utility and tax accounts after you move in — filter by city and property type, with an official source behind every step.
在安省买房，从签约到入住要跟哪些机构打交道？Which organisations does an Ontario buyer deal with, from offer to move-in?
大致分四段。签约前，去 RECO、律师协会 LSO、楼花还要去 HCRA 查清对方的执照；签约到成交，定金进信托账户、经纪公司（楼花为开发商）核验身份、决定是否买产权保险，并按城市要求提前安排水电开户；成交日由律师代缴土地转让税、完成过户登记；入住后三十天内，更新地税账户、留意 MPAC 评估通知、改地址。Think of it in four stretches. Before you sign, you check licences with RECO, the Law Society of Ontario and — for a new build — the HCRA. Between signing and closing, your deposit goes into a trust account, your brokerage (or, for a new build, the developer) verifies your identity, you decide on title insurance, and you set up utility accounts, which some cities want before closing. On closing day your lawyer pays the land transfer tax and registers the transfer. In the first month after you move in, you update your property tax account, watch for your MPAC notice and change your address.
出处：Source: RECO、LSO、HCRA、Tarion、FSRA、FINTRAC、CRA、安省政府、CMHC、Condominium Authority of Ontario、MPAC 与各市政府官网（核实日期见各条）RECO, LSO, HCRA, Tarion, FSRA, FINTRAC, CRA, the Government of Ontario, CMHC, the Condominium Authority of Ontario, MPAC and municipal websites (verification dates on each step)
本页是流程说明，不是法律、税务或贷款意见；具体以你的律师和官方规定为准。This page explains the process. It is not legal, tax or mortgage advice — your lawyer and the official rules have the final word.
已完成Done0 / 0
① 签约前Before you sign
先查清跟你打交道的人有没有执照，再决定合同里要保留哪些条件。Confirm that the people you are dealing with are licensed, and decide which conditions your offer needs.
安省地产委员会 Real Estate Council of Ontario（RECO）Real Estate Council of Ontario (RECO)
什么时候When
开始看房、签任何代理协议之前Before you start viewing homes or sign any agreement with a brokerage
要准备Bring
经纪的全名
他所在经纪公司的名称
The agent's full name
The name of their brokerage
在安省代客买卖房产必须在 RECO 注册。RECO 的公开查询能看到对方是否注册、隶属哪家经纪公司。Anyone trading in real estate for you in Ontario must be registered with RECO. Its public search shows whether a person is registered and which brokerage they work for.
银行或贷款经纪；贷款经纪的执照由安省金融服务监管局 FSRA 管Your bank or a mortgage broker; mortgage brokers are licensed by the Financial Services Regulatory Authority of Ontario (FSRA)
什么时候When
开始出价之前Before you start making offers
要准备Bring
收入与首付来源的证明材料
若用贷款经纪：对方全名或公司名
Proof of income and of your down payment
If you use a mortgage broker: their full name or brokerage name
按安省法规，从事贷款经纪业务的个人和公司都必须持 FSRA 执照（法规另有豁免的除外）。FSRA 的消费者页面直接链到持牌名单，可以按个人或公司查。Under Ontario law, individuals and businesses that carry out mortgage brokering must be licensed by FSRA unless the Act exempts them. FSRA's consumer page links straight to its registry, where you can look up a person or a brokerage.
安省律师协会 Law Society of Ontario（LSO）Law Society of Ontario (LSO)
什么时候When
签约前就定下来，好让律师及时审合同、做产权调查Before you sign, so the lawyer is ready to review documents and search title
要准备Bring
律师的全名或所在城市
The lawyer's full name or city
LSO 的律师与 paralegal 名录能查到对方是否持牌、执业状态，以及执业是否受限。The LSO Lawyer and Paralegal Directory shows whether someone is licensed, their practising status, and any limits on their practice.
安省房屋建造监管局 Home Construction Regulatory Authority（HCRA）Home Construction Regulatory Authority (HCRA)
什么时候When
签楼花合同之前Before you sign a pre-construction agreement
要准备Bring
建筑商名称或执照号
The builder's name or licence number
在安省，所有新房建筑商和卖方都必须持 HCRA 执照。Ontario Builder Directory 会列出执照状态、从业年限、建成房屋数量，以及 HCRA 采取过的监管措施。Every new-home builder and vendor in Ontario must be licensed by the HCRA. The Ontario Builder Directory shows licence status, years active, homes built and any regulatory action the HCRA has taken.
出价前决定；若合同里保留验屋条件，就在条件期内完成Decide before you make an offer; if your offer is conditional on an inspection, complete it within the condition period
要准备Bring
验屋师的资质与从业经验
当天到场一起看、现场提问
The inspector's qualifications and experience
Plan to attend and ask questions on the day
RECO 指出，合格的验屋师会检查电路、屋顶、水管、冷暖系统、地基等主要系统；竞价时想省掉验屋之前，RECO 提醒先想想验屋能带来什么（think twice）。RECO notes that a qualified inspector examines major systems such as electrical, roofing, plumbing, heating and cooling, and the foundation — and asks buyers tempted to skip an inspection in competing offers to think twice and consider the benefits first.
二手 condo：拿 status certificate 给律师看Resale condo: get the status certificate reviewed
二手 condoResale condo
跟谁办Who
Condo 管理公司（代表 condo corporation 出具）The condo corporation, usually through its management office
什么时候When
出价前或条件期内Before you offer, or within your condition period
要准备Bring
单元地址与单元号
律师审阅的时间
The unit's address and unit number
Time for your lawyer to review it
Status certificate 里有 condo 的章程规则、财务报表、储备基金状况、该单元是否欠管理费、有无诉讼等。Condo corporation 须在收到申请后 10 天内提供；CAO 建议买家让律师审阅。A status certificate includes the corporation's declaration, by-laws and rules, financial statements, the state of the reserve fund, whether the unit owes common expenses, and any litigation. The corporation must provide it within 10 days of a request, and the CAO says buyers should have their lawyer review it.
合同签下之后，钱怎么走、身份怎么核、保险怎么上，都在这一段。Once the agreement is signed, this is where your deposit, identity checks and insurance are handled.
楼花 condo：10 天冷静期New condo: the 10-day cooling-off period
楼花 condoNew-build condo
跟谁办Who
你的律师（审阅建筑商提供的文件）Your lawyer, reviewing the documents the builder provides
什么时候When
签约并收到建筑商提供的相关文件之后开始计算Starts once you have signed and received the required documents from the builder
要准备Bring
建筑商提供的合同与披露文件
尽早交给律师审阅
The agreement and disclosure documents from the builder
Get them to your lawyer early
这是安省 Condominium Act 给 condo 单元买家的权利：楼花 condo 买家在收到部分文件后有 10 天冷静期，可以在此期间撤销买卖合同；不适用于非 condo 的 freehold 新房（包括 freehold 镇屋）。具体从哪份文件起算，让律师确认。This right comes from Ontario's Condominium Act and applies to condo units: a pre-construction condo buyer has a 10-day cooling-off period, starting after certain documents are received, during which the agreement can be rescinded. It does not apply to freehold (non-condo) new homes, including freehold townhouses. Ask your lawyer exactly when your 10 days start.
合同指定的定金持有方（通常是一家经纪公司），存入法定信托账户The deposit holder named in your agreement — usually a brokerage — in a statutory trust account
什么时候When
按合同约定的时间（常见为接受 offer 后不久）When the agreement says — often shortly after the offer is accepted
要准备Bring
银行汇票或合同约定的付款方式
付款收据留底
A bank draft or the payment method the agreement specifies
Keep the receipt
通过注册经纪交易时，RECO 的消费者定金保险在经纪公司盗用、欺诈、破产等情况下保护你的定金；但买卖双方只是对定金去向谈不拢时，这份保险不管。When you deal through a registered brokerage, RECO's consumer deposit insurance protects your deposit if the brokerage misappropriates it, commits fraud or becomes insolvent. It does not step in when the parties simply disagree about who gets the deposit.
楼花：定金保障与 Tarion 登记New build: deposit protection and registering with Tarion
楼花产权房New-build freehold楼花 condoNew-build condo
跟谁办Who
建筑商；定金由 Tarion 在一定限额内保障Your builder; Tarion protects the deposit up to a limit
什么时候When
签约后尽快；非 condo 的产权房（freehold，含独立屋、半独立、镇屋）买家在签约后 45 天内登记As soon as you sign; freehold buyers should register within 45 days of signing
要准备Bring
合同所附 Warranty Information Sheet 上的 Home ID
The Home ID on the Warranty Information Sheet attached to your agreement
建筑商破产或根本违约导致买卖没完成时，Tarion 在限额内保障你交给建筑商的定金。Tarion 已宣布，freehold（非 condo）买家要在签约 45 天内用 Home ID 登记才能拿到最高档的定金保障；这项变化设有过渡期，推迟到 2027 年 1 月 1 日生效。If the sale does not close because the builder goes bankrupt or fundamentally breaches the agreement, Tarion protects the deposit you paid the builder, up to a limit. Tarion has announced that freehold buyers will need to register with their Home ID within 45 days of signing to qualify for the maximum deposit coverage, with the change deferred under a transition period to January 1, 2027.
你的经纪公司；楼花由建筑商（开发商）核验Your brokerage; for a new build, the developer
什么时候When
交易过程中，通常在签约前后During the transaction, usually around the time you sign
要准备Bring
有效的政府签发身份证件原件（如护照、驾照）
Valid original government-issued photo ID, such as a passport or driver's licence
按联邦反洗钱法规，地产经纪代表客户买卖时、开发商向公众卖新房时，都必须核验客户身份。这是法定要求，不是经纪自己的规定。Under federal anti-money-laundering rules, a real estate broker acting in a purchase or sale, and a developer selling a new home to the public, must verify the client's identity. It is a legal requirement, not a brokerage preference.
你的 FHSA / RRSP 开户机构，按加拿大税务局 CRA 的规则办理The institution holding your FHSA or RRSP, under Canada Revenue Agency rules
什么时候When
有书面买房合同之后；最晚在取得房屋后 30 天内Once you have a written agreement to buy, and no later than 30 days after you acquire the home
要准备Bring
书面买房合同
FHSA 提款表 RC725
RRSP（HBP）提款表 T1036
Your written agreement to buy
Form RC725 for an FHSA qualifying withdrawal
Form T1036 for a Home Buyers' Plan withdrawal
CRA 规定，两种提款都要求提款时已有买房或建房的书面合同，而且房子不能在提款 30 天以前就已取得。房子须在提款次年 10 月 1 日前取得或建成，所以楼花买家的提款时间要对准交房日期。同一套房可以同时用 FHSA 和 HBP，只要每次提款时都符合条件。CRA requires a written agreement to buy or build a qualifying home at the time of each withdrawal, and you must not have acquired the home more than 30 days before withdrawing. The home must be acquired or completed before October 1 of the year after the withdrawal, so pre-construction buyers need to time withdrawals to their completion date. You can use both the FHSA and the HBP for the same home, as long as you meet the conditions at each withdrawal.
成交日之前，和律师、贷款方确认保单要求Before closing; confirm the policy requirements with your lawyer and lender
要准备Bring
房屋地址与成交日
贷款方的名称
The property address and closing date
Your lender's name
有贷款的话，保单通常会带 loss payee 条款，把贷款方列为受益方：房子受损时，保险公司可能把理赔款付给贷款方。With a mortgage, the policy usually includes a loss payee clause that makes your lender the beneficiary — if the home is damaged, the insurer may pay the claim to your lender.
可经律师、产权保险公司或保险经纪购买Available through your lawyer, a title insurer or an insurance broker
什么时候When
成交前（也可以成交后补买）Usually before closing, though it can also be bought afterwards
要准备Bring
和律师确认要不要买、保哪些项目
Ask your lawyer whether you need it and what it covers
产权保险针对产权问题造成的损失，比如之前未知的产权瑕疵、前业主留下的债务留置权，也可包含成交到登记完成之间的空档期保障。你已知的产权瑕疵通常不在标准保单范围内。Title insurance covers losses tied to your title, such as unknown title defects or liens left by a previous owner, and can include gap coverage between closing and registration. Defects you already know about are usually excluded from a standard policy.
按时满足或放弃合同条件Fulfil or waive your conditions on time
二手产权房Resale freehold二手 condoResale condo
跟谁办Who
你的经纪与律师；贷款方确认最终批贷Your agent and lawyer; your lender for final mortgage approval
什么时候When
合同写明的条件期截止前Before the condition deadline written in your agreement
要准备Bring
贷款最终批准
验屋或 status certificate 的结果
Final mortgage approval
Your inspection or status certificate results
RECO 建议，可能的话让出价附带贷款、验屋、卖掉现有房子等条件，作为额外保护；竞价时想放弃条件要三思。RECO suggests making an offer conditional, where possible, on financing, a home inspection, the sale of your current home or other factors that matter to you — and thinking twice before waiving conditions in a competing-offer situation.
楼花：交房前检查（PDI）New build: the Pre-Delivery Inspection (PDI)
楼花产权房New-build freehold楼花 condoNew-build condo
跟谁办Who
建筑商带你验收，结果写进 PDI 表格Your builder walks you through it and records the results on the PDI Form
什么时候When
入住或交房之前Before you take possession
要准备Bring
本人或你指定的代表到场
逐项核对并签 PDI 表格
You or a designate must attend
Check each item and sign the PDI Form
建筑商必须对所有 freehold 产权房和 condo 单元做 PDI，记录未完工、损坏、缺失或无法正常运作的项目。日后对损坏发生在入住前还是入住后有争议时，Tarion 可能参考这份表格。Builders must carry out a PDI for every freehold home and condo unit, recording anything incomplete, damaged, missing or not working. Tarion may refer to the PDI Form if there is a dispute about whether damage happened before or after you moved in.
见第④段的城市对照表；condo 先问管理处哪些要自己开户See the city table in step ④; in a condo, ask management which accounts are yours to open
什么时候When
成交前办：例如密西沙加（Peel 区）要求搬入前至少 15 天、史托维尔要求成交前 10 个工作日提交Before closing — for example, Peel Region (Mississauga) wants at least 15 days before you move in, and Stouffville 10 business days before closing
要准备Bring
房屋地址与成交日
律师是否已代你申请（有的律师会代办）
The address and closing date
Whether your lawyer has already requested it for you
各城安排不同：万锦、旺市的水费由 Alectra 随电费单代收，奥克维尔由 Oakville Hydro 代 Halton 区收，新市由 NT Power 代收；多伦多、列治文山、奥罗拉则由市政府自己开水费单。不确定电力或燃气公司时，可在安大略能源局 OEB 地图上按地址查。Cities differ: Markham and Vaughan water is billed by Alectra on the hydro bill, Oakville's by Oakville Hydro for Halton Region, and Newmarket's by NT Power, while Toronto, Richmond Hill and Aurora bill water themselves. If you are unsure who supplies electricity or gas, look up your address on the Ontario Energy Board map.
律师在过户登记时代为申报缴纳；规则由安省财政部定Your lawyer files and pays it at registration; the rules are set by Ontario's Ministry of Finance
什么时候When
成交日，随过户登记一起On closing, with the registration of the transfer
要准备Bring
若是首购：告诉律师，让他在登记时一并申请退税
If you are a first-time buyer, tell your lawyer so the refund is claimed at registration
首购退税可以在登记时直接申请；登记时没申请的，可在登记日起 18 个月内向安省财政部补申请。税额可用本站计算器估算。A first-time buyer can claim the refund immediately at registration; if it was not claimed then, you can apply to the Ministry of Finance within 18 months of registration. Estimate the tax with our calculator.
律师代缴；由 City of Toronto 征收Your lawyer pays it; it is collected by the City of Toronto
什么时候When
成交日，与省税同时On closing, together with the provincial tax
要准备Bring
若是首购：确认符合市府对首购的定义，告诉律师申请回扣
If you are a first-time buyer, check the City's definition and ask your lawyer to claim the rebate
多伦多市内买房要缴省、市两份土地转让税。申请市级首购回扣须：年满 18 岁、成交后 9 个月内自住、从未在世界任何地方拥有过住宅，并且是加拿大公民或永久居民（成交后 18 个月内取得身份也可申请）。回扣须在成交后 18 个月内申请。Inside Toronto you pay both the provincial and the municipal tax. For the municipal first-time rebate you must be at least 18, occupy the home as your principal residence within nine months, never have owned a home anywhere in the world, and be a Canadian citizen or permanent resident (becoming one within 18 months also qualifies). Apply within 18 months of the transfer.
The rest of your down payment and closing costs, paid the way and by the time your lawyer asks
成交日贷款方把贷款打给律师，你把余下的房款和成交费用交给律师；律师付款给卖方、把房子登记到你名下，再把钥匙交给你。楼花 condo 通常在入住日就已拿到钥匙，最终成交前还有一段「先入住」期，见下一条。On closing day your lender sends the mortgage funds to your lawyer and you provide the rest of the price and closing costs. Your lawyer pays the seller, registers the home in your name, and gives you the keys. A new condo buyer usually gets the keys on the occupancy date, and there is an occupancy period before final closing — see the next step.
楼花 condo：先入住，后过户New condo: occupancy comes before ownership
楼花 condoNew-build condo
跟谁办Who
建筑商；condo corporation 在土地登记处登记后才能过户Your builder; title can only transfer once the condo corporation is registered at the Land Registry Office
什么时候When
入住日（interim occupancy）到最终成交日之间From your interim occupancy date to final closing
要准备Bring
每月付给建筑商的 interim occupancy fee
A monthly interim occupancy fee paid to the builder
入住不等于拥有。Condo corporation 登记之前，你可以先入住，但单元还不属于你，也还不能开始付房贷；这段期间无论住不住，都要每月付 occupancy fee。Occupancy is not ownership. Until the condo corporation is registered you can move in, but the unit is not yet yours and you cannot start mortgage payments; you pay the builder an interim occupancy fee each month whether or not you move in.
水电燃气开户放在第②段，因为不少城市要求成交前办。这一段是入住后的事；各城水电、地税由谁管，看下面的对照表。Utility accounts sit in step ② because several cities want them before closing. This step covers what comes after you move in; the table below shows who runs water, power, gas and property tax in each city.
更新地税账户上的业主信息Update the owner on your property tax account
所在城市的市政府（入口见城市对照表）Your municipality (links in the city table)
什么时候When
成交后；以多伦多为例，新建房要等市政府收到 MPAC 评估信息、寄出正式税单后才能缴款After closing; in Toronto, for example, a newly built home can only be paid once the City has MPAC's assessment and sends a final tax bill
要准备Bring
律师的过户信（多伦多要求由律师出函更新业主信息）
新的邮寄地址
A lawyer's letter confirming the sale (Toronto updates ownership from a lawyer's letter)
Your new mailing address
地税账单按业主信息寄出。以多伦多为例，业主信息靠律师来函更新；更新后市府会寄出账户对账单，上面有评估卷号和客户号，之后才能在网上管理账户。Tax bills go to the owner on record. In Toronto, for example, ownership is updated from a lawyer's letter; the City then mails a Property Tax Account Statement with your roll and customer numbers, which you need to manage the account online.
安省物业评估公司 Municipal Property Assessment Corporation（MPAC）Municipal Property Assessment Corporation (MPAC)
什么时候When
MPAC 每年 11 月给过去一年买房的业主寄通知；新建或改建后会另收到变更通知Each November MPAC sends notices to owners who bought in the past year; new or renovated homes also get a change notice
要准备Bring
通知上的评估值与物业信息，核对是否有误
Check the assessed value and property details on the notice
评估值是地税的计算基础。不同意评估的，可以通过 MPAC AboutMyProperty 提交复议申请（Request for Reconsideration），截止日期以通知和 MPAC 公告为准。Your assessment is the basis for your property tax. If you disagree, you can file a Request for Reconsideration through MPAC AboutMyProperty; the deadline is set out on your notice and by MPAC.
ServiceOntario；Canada PostServiceOntario; Canada Post
什么时候When
驾照和车辆登记：搬家后 6 天内；健康卡：30 天内Driver's licence and vehicle permit within 6 days of moving; health card within 30 days
要准备Bring
驾照、健康卡
新地址
Your driver's licence and health card
Your new address
安省法律规定了改地址的时限，大部分可以在 ServiceOntario 网上一次办完。旧地址的信件可以向 Canada Post 办转寄。有孩子要转学的，按学区注册流程见新移民落地指南。Ontario law sets deadlines for updating your address, and most of it can be done online in one go through ServiceOntario. Canada Post can forward mail from your old address. If your children are changing schools, see the school registration section of our Moving to Ontario guide.
买二手 condo 和买二手产权房（非 condo），办事上最大的区别是什么？What is the biggest difference in paperwork between a resale condo and a resale freehold (non-condo) home?
二手 condo 多了一份 status certificate：由 condo corporation 在收到申请后 10 天内出具，里面有章程规则、财务状况、储备基金和该单元是否欠费等信息，安省共管公寓管理局 CAO 建议让律师审阅。另外，condo 的水电燃气哪些由业主自己开户，要先问管理处。A resale condo adds a status certificate. The condo corporation must provide it within 10 days of a request; it covers the rules, finances, reserve fund and whether the unit owes common expenses, and the Condominium Authority of Ontario says buyers should have their lawyer review it. In a condo, also ask management which utility accounts are yours to open.
楼花和二手房的成交流程有什么不同？How does closing on a new build differ from a resale home?
楼花要先查建筑商的 HCRA 执照，定金由 Tarion 在限额内保障，交房前要做 PDI 检查。楼花 condo 通常先入住、后过户：condo corporation 登记之前，你可以入住但还不拥有单元，每月付 interim occupancy fee，也还不能开始付房贷。With a new build you check the builder's HCRA licence, Tarion protects your deposit up to a limit, and you attend a Pre-Delivery Inspection. A new condo usually has occupancy before ownership: until the condo corporation is registered you can move in without owning the unit, you pay a monthly interim occupancy fee, and your mortgage payments have not yet started.
入住后水电燃气要自己开户吗？Do I have to open my own water, hydro and gas accounts?
一般要，而且每个城市的安排不同：有的城市水费随电费单一起收（如万锦、旺市、新市、奥克维尔），有的由市政府单独开水费单（如多伦多、列治文山、奥罗拉）。部分城市要求在搬入或成交前提前提交开户表。不确定电力或燃气公司时，可以在安大略能源局 OEB 的地图上按地址查询。Usually yes, and each city handles it differently: some bill water on the hydro bill (Markham, Vaughan, Newmarket, Oakville), while others send their own water bill (Toronto, Richmond Hill, Aurora). Some cities want the account form before you move in or close. If you are unsure who supplies electricity or gas, look up your address on the Ontario Energy Board map.
首次买房有哪些要趁早办的事？What should a first-time buyer sort out early?
如果要用 FHSA 或 RRSP（HBP）的钱付首付，要在有书面买房合同之后办提款（表格 RC725、T1036），最晚在取得房屋后 30 天内。土地转让税的首购退税可以在过户登记时由律师一并申请；在多伦多买房，还可以另外申请市级土地转让税的首购回扣。If you are using FHSA or RRSP Home Buyers' Plan money for the down payment, withdraw it once you have a written agreement to buy (forms RC725 and T1036), and no later than 30 days after you acquire the home. Your lawyer can claim the first-time land transfer tax refund at registration, and in Toronto you can also apply for the municipal first-time rebate.
