{"id":31621,"date":"2026-11-01T23:21:01","date_gmt":"2026-11-02T04:21:01","guid":{"rendered":"https:\/\/hanhomesoldrealty.com\/toronto-closing-costs-first-time-buyers\/"},"modified":"2026-11-01T23:21:16","modified_gmt":"2026-11-02T04:21:16","slug":"toronto-closing-costs-first-time-buyers","status":"publish","type":"post","link":"https:\/\/hanhomesoldrealty.com\/zh-hant\/toronto-closing-costs-first-time-buyers\/","title":{"rendered":"\u591a\u502b\u591a\u8cb7\u6a13\u9664\u4e86\u9996\u671f\uff0c\u9084\u8981\u6e96\u5099\u591a\u5c11\u9322\uff1f\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\u5fc5\u77e5\u76847\u9805\u8cb7\u6a13\u958b\u652f"},"content":{"rendered":"\n<p class=\"has-medium-font-size\">\u7b2c\u4e00\u6b21\u8cb7\u6a13\u7684\u4eba\u8a08\u7b97\u300c\u8cb7\u4e0d\u8cb7\u5f97\u8d77\u300d\uff0c\u901a\u5e38\u5148\u60f3\u5230\u9996\u671f\uff1a\u624b\u4e0a\u6709 15 \u842c\u6216 20 \u842c\u73fe\u91d1\uff0c\u5168\u90e8\u7528\u4f5c\u9996\u671f\uff0c\u80fd\u8cb7\u591a\u8cb4\u7684\u7269\u696d\uff1f<\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u6211\u7d93\u5e38\u63d0\u9192\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\uff1a<strong>\u4e0d\u8981\u628a\u6240\u6709\u53ef\u52d5\u7528\u7684\u73fe\u91d1\u90fd\u8a08\u5165\u9996\u671f\u3002<\/strong> \u7531\u8cfc\u6a13\u5408\u7d04\u7372\u63a5\u53d7\u5230\u53d6\u5f97\u9396\u5319\uff0c\u4e2d\u9593\u9084\u6709\u4e00\u9023\u4e32<strong>\u8cb7\u6a13\u958b\u652f<\/strong>\uff08closing costs\uff09\u8981\u4ed8\uff0c\u5c11\u5247\u6578\u767e\u5143\uff0c\u591a\u5247\u904e\u842c\u5143\u3002\u5728\u591a\u502b\u591a\u5e02\u5167\u8cb7\u6a13\uff0c\u55ae\u662f\u571f\u5730\u8f49\u8b93\u7a05\u4e00\u9805\uff0c\u5c31\u53ef\u80fd\u662f\u9996\u671f\u4ee5\u5916\u6700\u5927\u7684\u4e00\u7b46\u73fe\u91d1\u652f\u51fa\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u6240\u4ee5\u505a\u9810\u7b97\u6642\uff0c\u771f\u6b63\u8981\u554f\u7684\u4e0d\u662f\u300c\u6211\u6709\u591a\u5c11\u9996\u671f\u300d\uff0c\u800c\u662f\uff1a<strong>\u628a\u8cb7\u6a13\u958b\u652f\u90fd\u9810\u7559\u51fa\u4f86\u4e4b\u5f8c\uff0c\u9084\u5269\u591a\u5c11\u73fe\u91d1\u53ef\u4ee5\u5b89\u5fc3\u505a\u9996\u671f\uff1f<\/strong> \u672c\u6587\u6309\u91d1\u984d\u7531\u5927\u5230\u5c0f\uff0c\u9010\u9805\u8b1b\u6e05\u5728\u591a\u502b\u591a\u7f6e\u696d\u7684 7 \u9805\u8cb7\u6a13\u958b\u652f\uff0c\u6700\u5f8c\u7528\u4e00\u500b 80 \u842c\u7684\u7269\u696d\u8a08\u4e00\u7b46\u7e3d\u8cec\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u23f1\ufe0f \u5148\u5f04\u6e05\u4ed8\u6b3e\u7bc0\u594f\uff1a\u8cb7\u6a13\u7684\u9322\u5206\u5169\u6b21\u4ed8<\/h2>\n\n\n\n<p class=\"has-medium-font-size\">\u5f88\u591a\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\u4ee5\u70ba\u8cb7\u6a13\u8981\u4e00\u7b46\u4e00\u7b46\u5206\u671f\u4ed8\u6b3e\u3002\u5927\u591a\u502b\u591a\u7684\u4e8c\u624b\u6a13\u4ea4\u6613\uff0c\u4e3b\u8981\u53ea\u6709\u5169\u500b\u4ed8\u6b3e\u6642\u9593\u9ede\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u7b2c\u4e00\u6b21\uff1a\u5408\u7d04\u7372\u63a5\u53d7\u5f8c\u4ed8\u8a02\u91d1\uff08Deposit\uff09\u3002<\/strong> \u5927\u591a\u502b\u591a\u5e38\u898b\u7684\u8a02\u91d1\u662f\u6a13\u50f9\u7684 5%\uff0c\u4f46\u9019\u4e0d\u662f\u6cd5\u5b9a\u6bd4\u4f8b\uff0c\u91d1\u984d\u548c\u4ed8\u6b3e\u6642\u9593\u4ee5\u5408\u7d04\u70ba\u6e96\u3002\u5408\u7d04\u5beb\u660e\u300c\u63a5\u53d7\u5f8c\u652f\u4ed8\u300d\u7684\uff0c\u901a\u5e38\u8981\u5728 24 \u5c0f\u6642\u5167\u4ed8\u6e05\u3002\u8a02\u91d1\u7531\u653e\u76e4\u5730\u7522\u516c\u53f8\u7684\u4fe1\u8a17\u6236\u53e3\uff08Trust Account\uff09\u4ee3\u70ba\u4fdd\u7ba1\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u8a02\u91d1\u4e0d\u662f\u9996\u671f\u4ee5\u5916\u591a\u4ed8\u7684\u4e00\u7b46\u9322\uff0c\u5b83\u672c\u8eab\u5c31\u662f\u6a13\u50f9\u7684\u4e00\u90e8\u5206\u3002<\/strong> \u4f8b\u5982\u8cb7\u4e00\u500b $800,000 \u7684\u7269\u696d\uff0c\u5df2\u4ed8\u8a02\u91d1 $40,000\uff0c\u8a08\u5283\u9996\u671f 20%\uff08$160,000\uff09\uff0c\u6210\u4ea4\u6642\u53ea\u9700\u88dc\u8db3 $120,000 \u9996\u671f\u9918\u984d\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u7b2c\u4e8c\u6b21\uff1a\u6210\u4ea4\u524d\u628a\u5176\u9918\u73fe\u91d1\u4ea4\u7d66\u8cb7\u5bb6\u5f8b\u5e2b\u3002<\/strong> \u6210\u4ea4\u524d\u4e00\u661f\u671f\u5de6\u53f3\uff0c\u5f8b\u5e2b\u6703\u7d04\u4f60\u7c3d\u7f72\u6587\u4ef6\uff0c\u6838\u5c0d\u6309\u63ed\u3001\u5bb6\u5c45\u4fdd\u96aa\u548c\u8eab\u4efd\u8b49\u660e\u3002\u6700\u7d42\u91d1\u984d\u5f80\u5f80\u8981\u5230\u6210\u4ea4\u524d\u5e7e\u5929\u624d\u78ba\u5b9a\uff0c\u56e0\u70ba\u5f8b\u5e2b\u8981\u7b49\u9280\u884c\u7684\u653e\u6b3e\u6307\u793a\uff08Mortgage Instructions\uff09\u548c\u8ce3\u65b9\u5f8b\u5e2b\u7684\u6210\u4ea4\u8abf\u6574\u7d50\u7b97\u8868\uff08Statement of Adjustments\uff09\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u91d1\u984d\u78ba\u5b9a\u5f8c\uff0c\u4f60\u6309\u5f8b\u5e2b\u8981\u6c42\u4ee5\u9280\u884c\u672c\u7968\uff08Bank Draft\uff09\u3001\u4fdd\u4ed8\u652f\u7968\uff08Certified Cheque\uff09\u6216\u96fb\u532f\uff0c\u628a<strong>\u6210\u4ea4\u8cc7\u91d1\uff08Closing Funds\uff09<\/strong>\u5b58\u5165\u5f8b\u5e2b\u7684\u4fe1\u8a17\u6236\u53e3\u3002\u9019\u7b46\u9322\u9664\u4e86\u9918\u4e0b\u7684\u9996\u671f\uff0c\u9084\u5305\u62ec\u4ee5\u4e0b\u5e7e\u9805\u8cb7\u6a13\u958b\u652f\u3002\u4ed8\u6b3e\u6d41\u7a0b\u7684\u66f4\u591a\u7d30\u7bc0\uff0c\u53ef\u4ee5\u53c3\u8003\u6211\u4e4b\u524d\u5beb\u7684<a href=\"https:\/\/hanhomesoldrealty.com\/zh-hant\/how-to-pay-for-a-house-purchase-in-toronto\/\">\u591a\u502b\u591a\u8cb7\u6a13\u4ed8\u6b3e\u6d41\u7a0b<\/a>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcb0 \u7b2c1\u9805\uff1a\u571f\u5730\u8f49\u8b93\u7a05\uff0c\u901a\u5e38\u662f\u6700\u5927\u7684\u4e00\u7b46<\/h2>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u5e95\u5c64\u908f\u8f2f\uff1a<\/strong> \u5728\u5b89\u7701\u8cb7\u6a13\u8981\u7e73\u4ea4\u7701\u7d1a\u571f\u5730\u8f49\u8b93\u7a05\uff08Land Transfer Tax\uff09\uff0c\u6309\u6210\u4ea4\u50f9\u5206\u6bb5\u7d2f\u9032\u8a08\u7b97\uff0c\u4e0d\u662f\u6a13\u50f9\u4e58\u4ee5\u4e00\u500b\u56fa\u5b9a\u6bd4\u4f8b\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u591a\u502b\u591a\u5e02\u5167\u8981\u4ea4\u5169\u4efd\u3002<\/strong> \u8cb7\u5728\u842c\u9326\u3001\u5217\u6cbb\u6587\u5c71\u3001\u65fa\u5e02\u3001\u5bc6\u897f\u6c99\u52a0\u7b49\u591a\u502b\u591a\u5e02\u4ee5\u5916\u7684\u57ce\u5e02\uff0c\u53ea\u9700\u7e73\u4ea4\u7701\u7d1a\u571f\u5730\u8f49\u8b93\u7a05\uff1b\u8cb7\u5728 City of Toronto \u884c\u653f\u7bc4\u570d\u5167\uff0c\u9084\u8981\u53e6\u4ea4\u4e00\u4efd<strong>\u591a\u502b\u591a\u5e02\u571f\u5730\u8f49\u8b93\u7a05<\/strong>\uff08Municipal Land Transfer Tax\uff09\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\u6709\u6e1b\u514d\u3002<\/strong> \u7b26\u5408\u8cc7\u683c\u7684\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\uff0c\u7701\u7d1a\u571f\u5730\u8f49\u8b93\u7a05\u6700\u9ad8\u53ef\u9000 <strong>$4,000<\/strong>\uff1b\u5728\u591a\u502b\u591a\u5e02\u5167\u8cb7\u6a13\uff0c\u5e02\u7d1a\u571f\u5730\u8f49\u8b93\u7a05\u9084\u53ef\u518d\u6e1b\u6700\u9ad8 <strong>$4,475<\/strong>\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u4ee5\u4e00\u4f4d\u7b26\u5408\u8cc7\u683c\u7684\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\u3001\u8cfc\u8cb7\u4e00\u500b $800,000 \u7684\u7269\u696d\u70ba\u4f8b\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table>\n<thead><tr><th class=\"has-text-align-center\" data-align=\"center\">$800,000 \u7269\u696d<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u842c\u9326 \/ \u5217\u6cbb\u6587\u5c71<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u591a\u502b\u591a\u5e02\u5167<\/th><\/tr><\/thead>\n<tbody>\n<tr><td>\u7701\u7d1a\u571f\u5730\u8f49\u8b93\u7a05<\/td><td>$12,475<\/td><td>$12,475<\/td><\/tr>\n<tr><td>\u7701\u7d1a\u9996\u6b21\u7f6e\u696d\u9000\u7a05<\/td><td>\u2212$4,000<\/td><td>\u2212$4,000<\/td><\/tr>\n<tr><td>\u5e02\u7d1a\u571f\u5730\u8f49\u8b93\u7a05<\/td><td>\u7121<\/td><td>$12,475<\/td><\/tr>\n<tr><td>\u5e02\u7d1a\u9996\u6b21\u7f6e\u696d\u6e1b\u514d<\/td><td>\u7121<\/td><td>\u2212$4,475<\/td><\/tr>\n<tr><td><strong>\u5be6\u4ed8\u5408\u8a08<\/strong><\/td><td><strong>$8,475<\/strong><\/td><td><strong>$16,475<\/strong><\/td><\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n\n\n<p class=\"has-medium-font-size\">\u8cc7\u6599\u4f86\u6e90\uff1a<a href=\"https:\/\/www.ontario.ca\/document\/land-transfer-tax\/land-transfer-tax-refunds-first-time-homebuyers\" target=\"_blank\" rel=\"noopener\">\u5b89\u7701\u8ca1\u653f\u90e8\u9996\u6b21\u7f6e\u696d\u571f\u5730\u8f49\u8b93\u7a05\u9000\u7a05<\/a>\u3001<a href=\"https:\/\/www.toronto.ca\/services-payments\/property-taxes-utilities\/municipal-land-transfer-tax-mltt\/municipal-land-transfer-tax-mltt-rebate-opportunities\/\" target=\"_blank\" rel=\"noopener\">\u591a\u502b\u591a\u5e02 MLTT \u6e1b\u514d<\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u540c\u6a23\u4e00\u500b\u7269\u696d\uff0c\u8cb7\u5728\u591a\u502b\u591a\u5e02\u5167\uff0c\u55ae\u662f\u9019\u4e00\u9805\u5c31\u6bd4\u842c\u9326\u591a\u51fa\u7d04 <strong>$8,000<\/strong>\u3002\u4e0d\u60f3\u81ea\u5df1\u5206\u6bb5\u8a08\u7b97\uff0c\u53ef\u4ee5\u76f4\u63a5\u4f7f\u7528\u6211\u5011\u7db2\u7ad9\u7684<a href=\"https:\/\/hanhomesoldrealty.com\/zh-hant\/mortgage-calculator\/\">\u6309\u63ed\u8a08\u7b97\u6a5f<\/a>\uff1a\u8f38\u5165\u6a13\u50f9\u3001\u9996\u671f\u548c\u5229\u7387\uff0c\u9664\u4e86\u8a08\u51fa\u6bcf\u6708\u4f9b\u6b3e\uff0c\u4e0b\u65b9\u9084\u6703\u6309\u57ce\u5e02\u548c\u662f\u5426\u9996\u6b21\u7f6e\u696d\u8a08\u51fa\u571f\u5730\u8f49\u8b93\u7a05\uff0c\u5169\u7b46\u8cec\u4e00\u6b21\u8a08\u6e05\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u7834\u9664\u4e00\u500b\u8aa4\u5340\uff1a\u300c\u7b2c\u4e00\u6b21\u5728\u52a0\u62ff\u5927\u8cb7\u6a13\u300d\u4e0d\u7b49\u65bc\u300c\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\u300d\u3002<\/strong> \u5b89\u7701\u7684\u898f\u5b9a\u662f\uff0c\u7533\u8acb\u4eba\u4e0d\u80fd\u5728<strong>\u4e16\u754c\u4efb\u4f55\u5730\u65b9<\/strong>\u64c1\u6709\u904e\u4f4f\u5b85\u6216\u4f4f\u5b85\u696d\u6b0a\u6b0a\u76ca\uff0c\u914d\u5076\u7684\u7f6e\u696d\u7d00\u9304\u4e5f\u53ef\u80fd\u5f71\u97ff\u8cc7\u683c\uff1b\u6b64\u5916\u9084\u6709\u5e74\u6eff 18 \u6b72\u3001\u4f5c\u70ba\u4e3b\u8981\u81ea\u4f4f\u7269\u696d\u3001\u52a0\u62ff\u5927\u516c\u6c11\u6216\u6c38\u4e45\u5c45\u6c11\u7b49\u689d\u4ef6\u3002\u65b0\u79fb\u6c11\u4e0d\u8981\u56e0\u70ba\u662f\u7b2c\u4e00\u6b21\u5728\u52a0\u62ff\u5927\u8cb7\u6a13\uff0c\u5c31\u76f4\u63a5\u5728\u9810\u7b97\u4e2d\u6263\u9664\u9019 $4,000 \u6216 $4,475\uff0c\u6700\u597d\u5148\u8acb\u5f8b\u5e2b\u6309\u4f60\u7684\u60c5\u6cc1\u78ba\u8a8d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u2696\ufe0f \u7b2c2\u9805\uff1a\u5f8b\u5e2b\u8cbb\uff0c\u4e0d\u53ea\u662f\u5f8b\u5e2b\u7684\u670d\u52d9\u8cbb<\/h2>\n\n\n\n<p class=\"has-medium-font-size\">\u5b89\u7701\u7684\u696d\u6b0a\u904e\u6236\u548c\u8cc7\u91d1\u4ea4\u6536\uff0c\u90fd\u8981\u7d93\u7531\u5730\u7522\u5f8b\u5e2b\u5b8c\u6210\u3002\u5f8b\u5e2b\u6700\u7d42\u7684\u8cec\u55ae\u901a\u5e38\u5305\u62ec\u5169\u90e8\u5206\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n\n<li><strong>\u6cd5\u5f8b\u670d\u52d9\u8cbb\uff1a<\/strong> \u5f8b\u5e2b\u672c\u8eab\u7684\u6536\u8cbb\u3002<\/li>\n\n\n<li><strong>\u4ee3\u652f\u8cbb\u7528\uff1a<\/strong> \u67e5\u518a\u3001\u696d\u6b0a\u4fdd\u96aa\u3001\u653f\u5e9c\u696d\u6b0a\u767b\u8a18\u8cbb\u3001\u9280\u884c\u8f49\u8cec\u8cbb\u3001\u6587\u4ef6\u53ca\u7cfb\u7d71\u8cbb\u7528\u548c\u76f8\u95dc\u7a05\u9805\u3002<\/li>\n\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u67e5\u518a\uff08Title Search\uff09\u67e5\u7684\u662f\u751a\u9ebc\uff1f<\/strong> \u6cd5\u5f8b\u4e0a\u767b\u8a18\u5230\u4f60\u540d\u4e0b\u7684\u662f\u9019\u500b\u7269\u696d\u7684\u696d\u6b0a\u3002\u6210\u4ea4\u524d\uff0c\u5f8b\u5e2b\u8981\u67e5\u95b1\u5b89\u7701\u571f\u5730\u767b\u8a18\u7d00\u9304\uff0c\u78ba\u8a8d\u8ce3\u5bb6\u662f\u5408\u6cd5\u696d\u4e3b\uff0c\u696d\u6b0a\u4e0a\u6c92\u6709\u672a\u89e3\u9664\u7684\u6309\u63ed\u3001\u7559\u7f6e\u6b0a\uff0c\u4e5f\u6c92\u6709\u5f71\u97ff\u4f7f\u7528\u7684\u901a\u884c\u6b0a\u3001\u5730\u5f79\u6b0a\u7b49\u767b\u8a18\uff0c\u8ce3\u5bb6\u80fd\u628a\u696d\u6b0a\u5408\u6cd5\u8f49\u5230\u4f60\u540d\u4e0b\u3002\u5f88\u591a\u4ea4\u6613\u9084\u6703\u540c\u6642\u8cfc\u8cb7<strong>\u696d\u6b0a\u4fdd\u96aa\uff08Title Insurance\uff09<\/strong>\uff0c\u4fdd\u969c\u4fdd\u96aa\u7bc4\u570d\u5167\u7684\u696d\u6b0a\u7455\u75b5\u548c\u6b3a\u8a50\u98a8\u96aa\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u6240\u4ee5\u6bd4\u8f03\u5f8b\u5e2b\u5831\u50f9\u6642\uff0c\u4e0d\u8981\u53ea\u770b\u5ee3\u544a\u4e0a\u7684\u300c$999\u300d\u6216\u300c$1,099 \u8d77\u300d\uff0c\u800c\u8981\u554f\uff1a<strong>\u6574\u5b97\u4ea4\u6613\u6211\u6700\u7d42\u4e00\u5171\u8981\u4ed8\u591a\u5c11\uff1f\u54ea\u4e9b\u8cbb\u7528\u4e0d\u5305\u62ec\u5728\u5831\u50f9\u5167\uff1f<\/strong> \u5927\u591a\u502b\u591a\u4e00\u822c\u4e8c\u624b\u6a13\u4ea4\u6613\uff0c\u5efa\u8b70\u9810\u7559 <strong>$1,500\u2013$3,000<\/strong>\uff0c\u5be6\u969b\u8996\u4e4e\u5f8b\u5e2b\u884c\u3001\u7269\u696d\u985e\u578b\u3001\u6709\u5426\u6309\u63ed\u548c\u4ea4\u6613\u8907\u96dc\u7a0b\u5ea6\u800c\u5b9a\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83e\uddfe \u7b2c3\u9805\uff1a\u6210\u4ea4\u8abf\u6574\uff0c\u591a\u9000\u5c11\u88dc<\/h2>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u6210\u4ea4\u8abf\u6574\uff08Closing Adjustments\uff09<\/strong>\u6700\u5e38\u898b\u7684\u662f\u5730\u7a05\u3002\u5047\u8a2d\u8ce3\u5bb6\u5df2\u7e73\u4ed8\u5168\u5e74\u5730\u7a05\uff0c\u4f60 10 \u6708 1 \u65e5\u63a5\u624b\uff0c\u90a3\u9ebc 10 \u6708 1 \u65e5\u81f3\u5e74\u5e95\u9019\u6bb5\u6642\u9593\u7684\u5730\u7a05\u672c\u61c9\u7531\u4f60\u627f\u64d4\uff0c\u6210\u4ea4\u6642\u5c31\u8981\u88dc\u9084\u7d66\u8ce3\u5bb6\u3002\u76f8\u53cd\uff0c\u8ce3\u5bb6\u61c9\u4ed8\u800c\u672a\u4ed8\u7684\u8cbb\u7528\uff0c\u4e5f\u6703\u5728\u6210\u4ea4\u6642\u6263\u56de\u3002\u8cb7\u67cf\u6587\u7684\u8a71\uff0c\u9084\u53ef\u80fd\u6d89\u53ca\u7ba1\u7406\u8cbb\u8abf\u6574\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u9019\u4e9b\u6b3e\u9805\u90fd\u5217\u5728\u6210\u4ea4\u8abf\u6574\u7d50\u7b97\u8868\u4e0a\u3002\u6240\u4ee5\u4f60\u6700\u5f8c\u4ea4\u7d66\u5f8b\u5e2b\u7684\u9322\uff0c\u4e26\u4e0d\u7c21\u55ae\u7b49\u65bc\u300c\u6a13\u50f9 \u2212 \u6309\u63ed \u2212 \u5df2\u4ed8\u8a02\u91d1\u300d\u3002\u7531\u65bc\u91d1\u984d\u53d6\u6c7a\u65bc\u6210\u4ea4\u65e5\u671f\u3001\u5730\u7a05\u548c\u7ba1\u7406\u8cbb\u7684\u7e73\u4ed8\u5468\u671f\uff0c\u8cb7\u6a13\u521d\u671f\u5f88\u96e3\u8a08\u6e96\uff0c\u9810\u7b97\u4e0a\u8981\u7559\u6709\u9918\u5730\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udee1\ufe0f \u7b2c4\u9805\uff1a\u9996\u671f\u4f4e\u65bc 20%\uff0c\u6309\u63ed\u4fdd\u96aa\u7684\u7a05\u8981\u4ed8\u73fe\u91d1<\/h2>\n\n\n\n<p class=\"has-medium-font-size\">\u9996\u671f\u4e0d\u8db3 20% \u6642\uff0c\u9700\u8981\u8cfc\u8cb7\u6309\u63ed\u9055\u7d04\u4fdd\u96aa\uff08\u4f8b\u5982 CMHC\uff09\u3002\u4fdd\u8cbb\u672c\u8eab\u4e00\u822c\u53ef\u4ee5\u8a08\u5165\u6309\u63ed\uff0c\u4f46\u5728\u5b89\u7701\uff0c<strong>\u4fdd\u8cbb\u6240\u7522\u751f\u7684 8% \u7701\u92b7\u552e\u7a05\u4e0d\u80fd\u8a08\u5165\u6309\u63ed\uff0c\u8981\u5728\u6210\u4ea4\u6642\u4ee5\u73fe\u91d1\u4ed8\u6e05<\/strong>\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u4ee5 $800,000 \u7684\u7269\u696d\u70ba\u4f8b\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table>\n<thead><tr><th class=\"has-text-align-center\" data-align=\"center\">\u9996\u671f<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u6309\u63ed\u984d<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u6309\u63ed\u4fdd\u96aa\u8cbb\uff08\u53ef\u8a08\u5165\u6309\u63ed\uff09<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u4fdd\u96aa\u8cbb\u7684\u7a05\uff08\u9808\u4ed8\u73fe\u91d1\uff09<\/th><\/tr><\/thead>\n<tbody>\n<tr><td>\u6700\u4f4e\u9996\u671f $55,000\uff08\u7d04 6.9%\uff09<\/td><td>$745,000<\/td><td>$29,800<\/td><td>\u7d04 $2,384<\/td><\/tr>\n<tr><td>10%\uff08$80,000\uff09<\/td><td>$720,000<\/td><td>$22,320<\/td><td>\u7d04 $1,786<\/td><\/tr>\n<tr><td>15%\uff08$120,000\uff09<\/td><td>$680,000<\/td><td>$19,040<\/td><td>\u7d04 $1,523<\/td><\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n\n\n<p class=\"has-medium-font-size\">\u8cc7\u6599\u4f86\u6e90\uff1aCMHC \u73fe\u884c\u4fdd\u8cbb\u7387\uff08\u9996\u671f 5%\u20139.99% \u70ba 4.00%\uff0c10%\u201314.99% \u70ba 3.10%\uff0c15%\u201319.99% \u70ba 2.80%\uff09\uff0c\u6309 25 \u5e74\u6524\u9084\u671f\u8a08\u7b97\uff1b30 \u5e74\u6524\u9084\u671f\u7684\u4fdd\u8cbb\u7387\u6703\u7565\u9ad8\u3002\u53ef\u7528 <a href=\"https:\/\/hanhomesoldrealty.com\/zh-hant\/cmhc-insurance-calculator\/\">CMHC \u4fdd\u96aa\u8a08\u7b97\u6a5f<\/a>\u6309\u81ea\u5df1\u7684\u60c5\u6cc1\u4f30\u7b97\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u63db\u8a00\u4e4b\uff0c\u9996\u671f\u4f4e\u65bc 20% \u7684\u8cb7\u5bb6\uff0c\u6210\u4ea4\u73fe\u91d1\u8981\u518d\u591a\u6e96\u5099 <strong>$1,500\u2013$2,400<\/strong> \u5de6\u53f3\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udd0d \u7b2c5\u30016\u9805\uff1a\u9280\u884c\u4f30\u50f9\u8cbb\u548c\u9a57\u6a13\u8cbb<\/h2>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u9280\u884c\u4f30\u50f9\uff08Appraisal\uff09\uff1a<\/strong> \u9280\u884c\u8981\u78ba\u8a8d\u7269\u696d\u7684\u5e02\u503c\u8db3\u4ee5\u652f\u6301\u6309\u63ed\u984d\uff0c\u8cbb\u7528\u901a\u5e38\u6578\u767e\u5143\uff0c\u800c\u4e14\u4e0d\u5c11\u9280\u884c\u6703\u627f\u64d4\u3001\u5831\u92b7\u6216\u8c41\u514d\u3002\u7533\u8acb\u6309\u63ed\u6642\u76f4\u63a5\u554f\u9280\u884c\u6216\u6309\u63ed\u7d93\u7d00\uff1a\u9019\u7b46\u8cbb\u7528\u662f\u5426\u8981\u6211\u81ea\u5df1\u4ed8\uff1f\u4f30\u50f9\u901a\u5e38\u5728\u6309\u63ed\u5be9\u6279\u968e\u6bb5\u9032\u884c\uff0c\u4e0d\u4e00\u5b9a\u7b49\u5230\u6210\u4ea4\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u9a57\u6a13\uff08Home Inspection\uff09\uff1a<\/strong> \u6cd5\u4f8b\u6c92\u6709\u898f\u5b9a\u6bcf\u500b\u7269\u696d\u90fd\u8981\u9a57\u6a13\uff0c\u8981\u8996\u4e4e\u7269\u696d\u985e\u578b\u3001\u6a13\u9f61\u3001\u72c0\u6cc1\u3001\u5408\u7d04\u689d\u6b3e\u548c\u7af6\u722d\u60c5\u6cc1\u800c\u5b9a\u3002\u5927\u591a\u502b\u591a\u4e00\u822c\u4f4f\u5b85\u901a\u5e38\u6578\u767e\u5143\uff0c\u4e00\u822c\u5728\u51fa\u50f9\u524d\u6216\u9a57\u6a13\u689d\u4ef6\u671f\u5167\u5b8c\u6210\uff0c\u76f4\u63a5\u4ed8\u7d66\u9a57\u6a13\u5e2b\uff0c\u4e0d\u7d93\u5f8b\u5e2b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udce6 \u7b2c7\u9805\uff1a\u642c\u5c4b\u548c\u5165\u4f4f\u7684\u958b\u652f<\/h2>\n\n\n\n<p class=\"has-medium-font-size\">\u9019\u4e00\u985e\u56b4\u683c\u4f86\u8aaa\u4e0d\u5c6c\u65bc\u6210\u4ea4\u6642\u7d93\u5f8b\u5e2b\u652f\u4ed8\u7684\u6b3e\u9805\uff0c\u4f46\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\u61c9\u8a72\u9810\u65e9\u6e96\u5099\uff1a\u642c\u5c4b\u516c\u53f8\u3001\u63db\u9396\u3001\u50a2\u4fec\u3001\u96fb\u5668\u3001\u7a97\u7c3e\u3001\u6cb9\u6f06\u3001\u7c21\u55ae\u7dad\u4fee\uff0c\u4ee5\u53ca\u5165\u4f4f\u5f8c\u767c\u73fe\u8981\u99ac\u4e0a\u8655\u7406\u7684\u5c0f\u554f\u984c\u3002\u8cb7\u67cf\u6587\u53ef\u80fd\u8981\u9810\u7d04\u642c\u5c4b\u5c08\u7528\u5347\u964d\u6a5f\u3001\u7e73\u4ed8\u6309\u91d1\uff1b\u7531\u67cf\u6587\u642c\u9032\u7368\u7acb\u5c4b\uff0c\u9084\u53ef\u80fd\u8981\u6dfb\u7f6e\u93df\u96ea\u5de5\u5177\u3001\u526a\u8349\u6a5f\u548c\u5712\u85dd\u5de5\u5177\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u9019\u4e9b\u958b\u652f\u55ae\u770b\u90fd\u4e0d\u5927\uff0c<strong>\u554f\u984c\u5728\u65bc\u5b83\u5011\u96c6\u4e2d\u5728\u6210\u4ea4\u524d\u5f8c\u540c\u4e00\u500b\u6708\u767c\u751f\u3002<\/strong> \u6240\u4ee5\u6211\u4e0d\u5efa\u8b70\u70ba\u4e86\u628a\u9996\u671f\u6e4a\u6210\u4e00\u500b\u66f4\u597d\u770b\u7684\u6578\u5b57\uff0c\u628a\u6236\u53e3\u88cf\u7684\u73fe\u91d1\u5e7e\u4e4e\u5168\u90e8\u7528\u5149\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcca \u8a08\u4e00\u7b46\u7e3d\u8cec\uff1a80 \u842c\u7684\u7269\u696d\uff0c\u9996\u671f\u4ee5\u5916\u9084\u8981\u6e96\u5099\u591a\u5c11\uff1f<\/h2>\n\n\n\n<p class=\"has-medium-font-size\">\u5047\u8a2d\u4f60\u662f\u7b26\u5408\u8cc7\u683c\u7684\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\uff0c\u8cfc\u8cb7\u4e00\u500b $800,000 \u7684\u4e8c\u624b\u81ea\u4f4f\u7269\u696d\uff0c\u9996\u671f 20%\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table>\n<thead><tr><th class=\"has-text-align-center\" data-align=\"center\">\u8cbb\u7528\u9805\u76ee<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u842c\u9326<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u591a\u502b\u591a\u5e02\u5167<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u8aaa\u660e<\/th><\/tr><\/thead>\n<tbody>\n<tr><td>\u571f\u5730\u8f49\u8b93\u7a05\uff08\u5df2\u6263\u9996\u6b21\u7f6e\u696d\u6e1b\u514d\uff09<\/td><td>$8,475<\/td><td>$16,475<\/td><td>\u591a\u502b\u591a\u5e02\u5167\u8981\u4ea4\u7701\u7d1a\u52a0\u5e02\u7d1a\u5169\u4efd<\/td><\/tr>\n<tr><td>\u5f8b\u5e2b\u8cbb\u3001\u67e5\u518a\u3001\u696d\u6b0a\u4fdd\u96aa\u53ca\u767b\u8a18<\/td><td>$1,500\u2013$3,000<\/td><td>$1,500\u2013$3,000<\/td><td>\u5404\u5f8b\u5e2b\u884c\u5831\u50f9\u548c\u5305\u62ec\u7684\u9805\u76ee\u4e0d\u540c<\/td><\/tr>\n<tr><td>\u5730\u7a05\u7b49\u6210\u4ea4\u8abf\u6574<\/td><td>$0\u2013$3,000+<\/td><td>$0\u2013$3,000+<\/td><td>\u53d6\u6c7a\u65bc\u6210\u4ea4\u65e5\u671f\u548c\u8ce3\u5bb6\u5df2\u7e73\u5730\u7a05<\/td><\/tr>\n<tr><td>\u9280\u884c\u4f30\u50f9<\/td><td>$0\u2013$500<\/td><td>$0\u2013$500<\/td><td>\u90e8\u5206\u9280\u884c\u8c41\u514d\u6216\u5831\u92b7<\/td><\/tr>\n<tr><td>\u9a57\u6a13<\/td><td>$400\u2013$700<\/td><td>$400\u2013$700<\/td><td>\u8996\u4e4e\u7269\u696d\u548c\u4ea4\u6613\u60c5\u6cc1\u800c\u5b9a<\/td><\/tr>\n<tr><td>\u642c\u5c4b\u3001\u63db\u9396\u53ca\u57fa\u672c\u5165\u4f4f\u958b\u652f<\/td><td>$1,000\u2013$3,000+<\/td><td>$1,000\u2013$3,000+<\/td><td>\u4e0d\u5305\u62ec\u5927\u91cf\u6dfb\u7f6e\u50a2\u4fec\u6216\u88dd\u4fee<\/td><\/tr>\n<tr><td><strong>\u7c97\u7565\u5408\u8a08<\/strong><\/td><td><strong>\u7d04 $11,400\u2013$18,700<\/strong><\/td><td><strong>\u7d04 $19,400\u2013$26,700<\/strong><\/td><td>\u4e0d\u5305\u62ec\u9996\u671f<\/td><\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u5169\u9ede\u63d0\u9192\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n\n<li><strong>5% \u8a02\u91d1\u4e0d\u7528\u518d\u52a0\u4e00\u6b21\u3002<\/strong> \u5408\u7d04\u7372\u63a5\u53d7\u5f8c\u4ed8\u7684 $40,000 \u8a02\u91d1\u662f\u6a13\u50f9\u7684\u4e00\u90e8\u5206\uff0c\u6210\u4ea4\u6642\u5f8b\u5e2b\u6703\u628a\u5b83\u8a08\u5165\u6a13\u50f9\uff0c\u4e0d\u662f\u8868\u5916\u591a\u51fa\u4f86\u7684 4 \u842c\u3002<\/li>\n\n\n<li><strong>\u9996\u671f\u4f4e\u65bc 20%\uff0c\u518d\u52a0 $1,500\u2013$2,400\u3002<\/strong> \u9019\u662f\u4e0a\u4e00\u7bc0\u6309\u63ed\u4fdd\u96aa\u7684\u7a05\uff0c\u8981\u4ed8\u73fe\u91d1\u3002<\/li>\n\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\">\u63db\u8a00\u4e4b\uff0c\u540c\u6a23\u4e00\u500b 80 \u842c\u7684\u7269\u696d\uff0c\u9996\u671f\u6e96\u5099\u597d\u4e4b\u5f8c\uff0c\u8cb7\u5728\u842c\u9326\u81f3\u5c11\u9084\u8981\u9810\u7559\u4e00\u842c\u591a\u5143\uff0c\u8cb7\u5728\u591a\u502b\u591a\u5e02\u5167\u8981\u9810\u7559\u5169\u842c\u591a\u5143\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u2705 \u9019\u5c0d\u4f60\u610f\u5473\u7740\u751a\u9ebc<\/h2>\n\n\n\n<p class=\"has-medium-font-size\"><strong>\u6d41\u884c\u8a8d\u77e5\uff1a<\/strong> \u9996\u671f\u5920\u4e86\uff0c\u5c31\u53ef\u4ee5\u8cb7\u6a13\u3002<strong>\u5be6\u969b\u4e0a\uff1a<\/strong> \u6e96\u5099\u597d\u9996\u671f\uff0c\u4e0d\u4ee3\u8868\u8cb7\u6a13\u8cc7\u91d1\u5df2\u7d93\u6e96\u5099\u597d\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n\n<li><strong>\u9996\u6b21\u7f6e\u696d\u4eba\u58eb\uff1a<\/strong> \u5148\u8a08\u51fa\u6240\u6709\u53ef\u7528\u65bc\u8cb7\u6a13\u7684\u73fe\u91d1\uff0c\u6263\u9664\u4e0a\u8868\u5404\u9805\u8cb7\u6a13\u958b\u652f\u548c\u4e00\u7b46\u5165\u4f4f\u5132\u5099\uff0c\u9918\u4e0b\u7684\u624d\u662f\u53ef\u4ee5\u5b89\u5fc3\u505a\u9996\u671f\u7684\u9322\u3002\u9996\u671f\u4e5f\u4e0d\u662f\u552f\u4e00\u9580\u6abb\uff0c\u6309\u63ed\u984d\u9084\u8981\u901a\u904e\u9280\u884c\u7684\u5165\u606f\u5be9\u67e5\u548c\u58d3\u529b\u6e2c\u8a66\uff0c\u5177\u9ad4\u53ef\u4ee5\u53c3\u8003<a href=\"https:\/\/hanhomesoldrealty.com\/zh-hant\/toronto-income-needed-to-buy-home\/\">\u591a\u502b\u591a\u8cb7\u6a13\u6536\u5165\u8981\u591a\u5c11\uff1f<\/a><\/li>\n\n\n<li><strong>\u65b0\u79fb\u6c11\uff1a<\/strong> \u9996\u6b21\u7f6e\u696d\u8cc7\u683c\u770b\u7684\u662f\u5168\u7403\u7f6e\u696d\u7d00\u9304\uff0c\u4e0d\u662f\u5728\u52a0\u62ff\u5927\u6709\u6c92\u6709\u8cb7\u904e\u6a13\u3002\u571f\u5730\u8f49\u8b93\u7a05\u6e1b\u514d\u80fd\u5426\u7533\u8acb\uff0c\u5148\u8acb\u5f8b\u5e2b\u78ba\u8a8d\uff0c\u518d\u5beb\u9032\u9810\u7b97\u3002<\/li>\n\n\n<li><strong>\u9996\u671f\u4f4e\u65bc 20% \u7684\u8cb7\u5bb6\uff1a<\/strong> \u6309\u63ed\u4fdd\u96aa\u7684\u7a05\u8981\u4ed8\u73fe\u91d1\uff0c\u9810\u7b97\u4e2d\u55ae\u7368\u5217\u4e00\u884c\u3002<\/li>\n\n\n<li><strong>\u5728\u591a\u502b\u591a\u5e02\u548c\u5468\u908a\u57ce\u5e02\u4e4b\u9593\u7336\u8c6b\u7684\u8cb7\u5bb6\uff1a<\/strong> \u540c\u6a23\u50f9\u9322\u7684\u7269\u696d\uff0c\u591a\u502b\u591a\u5e02\u5167\u7684\u571f\u5730\u8f49\u8b93\u7a05\u6703\u9ad8\u51fa\u4e00\u622a\uff0c\u6bd4\u8f03\u6a13\u50f9\u6642\u8981\u628a\u9019\u4e00\u9805\u8a08\u7b97\u5728\u5167\u3002<\/li>\n\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\">\u771f\u6b63\u6e96\u5099\u597d\u8cb7\u6a13\uff0c\u662f\u5728\u4ed8\u6e05\u9996\u671f\u548c\u6240\u6709\u8cb7\u6a13\u958b\u652f\u4e4b\u5f8c\uff0c\u624b\u4e0a\u4ecd\u6709\u8db3\u5920\u7684\u73fe\u91d1\uff0c\u53d6\u5f97\u9396\u5319\u5f8c\u5bb6\u5ead\u73fe\u91d1\u6d41\u4e0d\u6703\u99ac\u4e0a\u7e43\u7dca\u3002\u60f3\u6309\u81ea\u5df1\u7684\u60c5\u6cc1\u8a08\u7b97\u4e00\u6b21\uff0c\u6b61\u8fce\u5728\u4e0b\u65b9\u8868\u683c\u7559\u8a00\u3002<\/p>\n\n\n\n<p class=\"has-medium-font-size\">*\u672c\u6587\u6839\u64da 2026 \u5e74 11 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Privacy Policy &amp; Terms of Service hanhomesoldrealty.com\/en\/privacypolicy\/' class='gform_hidden' \/><input type='hidden' name='input_15.3' value='1' class='gform_hidden' \/><\/div><\/fieldset><\/div><\/div>\n        <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_9' class='gform_button button' value='Submit'  onclick='if(window[\"gf_submitting_9\"]){return false;}  window[\"gf_submitting_9\"]=true;  ' onkeypress='if( event.keyCode == 13 ){ if(window[\"gf_submitting_9\"]){return false;} window[\"gf_submitting_9\"]=true;  jQuery(\"#gform_9\").trigger(\"submit\",[true]); }' \/> \n            <input type='hidden' class='gform_hidden' name='is_submit_9' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='9' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_9' 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