安省地产术语字典 Ontario Real Estate Glossary

安省所有 OREA 标准合同（Form 100 Buyer Representation、Form 200 Listing、Form 400 Lease 等）的法律文本都是英文。中文翻译没有法律效力——合同条款发生争议时，法庭只看英文原文。所以掌握英文术语不是「装」，是保护自己。All OREA standard forms in Ontario (Form 100 Buyer Representation, Form 200 Listing, Form 400 Lease, etc.) are legally binding in English only. Chinese translations have no legal weight — when contract disputes arise, the court interprets only the English original. Mastering English terminology isn’t pretentious — it’s self-protection.

本字典以安省（Ontario）为准——OREA Forms、Residential Tenancies Act、LTB 程序、安省土地转让税都是省级法规。BC、Alberta、Quebec 的对应法规和税率不同（例如 Quebec 没有 land transfer tax 而是 welcome tax）。但贷款类术语（Pre-Approval、CMHC、Stress Test）是联邦层面，全国通用。This glossary is Ontario-specific — OREA Forms, the Residential Tenancies Act, LTB procedures, and Ontario land transfer tax are all provincial. BC, Alberta, and Quebec have different equivalents (e.g., Quebec uses “welcome tax” instead of land transfer tax). However, mortgage-related terms (Pre-Approval, CMHC, Stress Test) are federal and apply nationwide.

流程视图适合「我即将进入下一阶段，需要知道这阶段会出现什么术语」——比如准备下 Offer 前先扫一遍 Offer 阶段的所有 term。A-Z 索引适合「我刚刚在合同/邮件里看到一个词，不知道是什么意思」，直接按字母查。两种视图覆盖同一组数据。Process View fits “I’m about to enter the next stage and need to know which terms will appear” — e.g., scanning all Offer-stage terms before submitting your first offer. A–Z Index fits “I just saw an unfamiliar word in a contract or email and need to look it up.” Both views cover the same dataset.

永远以你签的那份合同条款为准。本字典提供的是术语的「标准含义」和「行业惯例」，但每份合同可能在 Schedule A/B 里增加自定义条款（custom clauses）覆盖默认。看到不熟悉的写法，第一步是问你的经纪/律师那一句具体说什么——不要用字典定义代替合同审阅。Always defer to your signed contract. This glossary provides “standard meaning” and “industry convention,” but every contract may add custom clauses in Schedule A/B that override defaults. When you encounter unfamiliar wording, the first step is to ask your agent or lawyer what that specific clause says — don’t substitute a glossary entry for a contract review.

每季度更新一次。安省地产法规和税率每年都有微调（如 NRST 税率变动、HST Rebate 上限调整、LTB 申请费修订），新政策出台时会及时增补。如果你看到某条 term 的解释和最新政策不符，欢迎邮件 arthurzhaorealtor@gmail.com 指正。Updated quarterly. Ontario real estate regulations and tax rates are tweaked yearly (NRST rate changes, HST Rebate cap adjustments, LTB filing fee revisions); new policies are added as they take effect. If you spot a definition that’s out of date, please email arthurzhaorealtor@gmail.com.