{"id":128,"date":"2026-10-09T15:35:58","date_gmt":"2026-10-09T19:35:58","guid":{"rendered":"https:\/\/kriswangrealty.ca\/?p=128"},"modified":"2026-10-29T17:22:41","modified_gmt":"2026-10-29T21:22:41","slug":"closing-costs-toronto","status":"publish","type":"post","link":"https:\/\/kriswangrealty.ca\/en\/closing-costs-toronto\/","title":{"rendered":"Beyond the Down Payment: What Else Do You Need to Budget for When Buying in Toronto?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u5f88\u591a\u4e70\u5bb6\u53ea\u7b97\u4e86\u9996\u4ed8\uff0c\u7ed3\u679c\u5230\u4ea4\u623f\u524d\u624d\u53d1\u73b0\u8fd8\u6709\u4e00\u8fde\u4e32\u8d39\u7528\u3002\u4e00\u822c\u5efa\u8bae<strong>\u5728\u9996\u4ed8\u4e4b\u5916\uff0c\u518d\u9884\u7559\u623f\u4ef7\u7684 3%\u20135%<\/strong>\u3002\u5728\u591a\u4f26\u591a\u5e02\u5185\u4e70\u623f\uff0c\u56e0\u4e3a\u8981\u4ea4\u4e24\u4efd\u571f\u5730\u8f6c\u8ba9\u7a0e\uff0c\u5f80\u5f80\u8981\u5f80\u4e0a\u9650\u9760\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0b\u9762\u6211\u6309\u4ed8\u6b3e\u7684\u5148\u540e\uff0c\u8bb2\u6e05\u695a\u6bcf\u4e00\u7b14\u94b1\u662f\u4ec0\u4e48\u3001\u4ec0\u4e48\u65f6\u5019\u4ed8\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5148\u770b\u5168\u8c8c\uff1a\u94b1\u5728\u4ec0\u4e48\u65f6\u5019\u4ed8\u51fa\u53bb<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\u4ee5\u4e3a\u6240\u6709\u8d39\u7528\u90fd\u662f\u4ea4\u623f\u90a3\u5929\u624d\u4ed8\uff0c\u5176\u5b9e\u65f6\u95f4\u662f\u5206\u6563\u7684\u3002\u6709\u4e9b\u94b1\u5728 Offer \u88ab\u63a5\u53d7\u540e 24 \u5c0f\u65f6\u5185\u5c31\u8981\u62ff\u51fa\u6765\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9636\u6bb5<\/th><th>\u8981\u4ed8\u7684\u94b1<\/th><th>\u4ed8\u7ed9\u8c01<\/th><\/tr><\/thead><tbody><tr><td>\u4e0b Offer \u524d\u540e<\/td><td>\u9a8c\u623f\u8d39<\/td><td>\u9a8c\u623f\u5e08<\/td><\/tr><tr><td>Offer \u88ab\u63a5\u53d7\u540e 24 \u5c0f\u65f6\u5185<\/td><td>\u5b9a\u91d1<\/td><td>\u5356\u65b9\u7ecf\u7eaa\u516c\u53f8\u7684\u4fe1\u6258\u8d26\u6237<\/td><\/tr><tr><td>\u5c65\u884c\u6761\u4ef6\u671f\u95f4<\/td><td>\u4f30\u4ef7\u8d39\uff08\u5982\u679c\u94f6\u884c\u8981\u6c42\u4f60\u4ed8\uff09<\/td><td>\u94f6\u884c\u6216\u4f30\u4ef7\u516c\u53f8<\/td><\/tr><tr><td>\u4ea4\u623f\u524d\u51e0\u5929<\/td><td>\u9996\u4ed8\u4f59\u989d\u3001\u571f\u5730\u8f6c\u8ba9\u7a0e\u3001\u5f8b\u5e08\u8d39\u548c\u6742\u8d39\u3001\u4ea7\u6743\u4fdd\u9669\u3001\u8c03\u6574\u9879<\/td><td>\u4e70\u65b9\u5f8b\u5e08\u7684\u4fe1\u6258\u8d26\u6237<\/td><\/tr><tr><td>\u4ea4\u623f\u524d<\/td><td>\u623f\u5c4b\u4fdd\u9669\u9996\u671f<\/td><td>\u4fdd\u9669\u516c\u53f8<\/td><\/tr><tr><td>\u4ea4\u623f\u540e<\/td><td>\u642c\u5bb6\u3001\u5bb6\u5177\u3001\u57fa\u672c\u7ef4\u4fee\uff0c\u6c34\u7535\u71c3\u6c14\u5f00\u6237<\/td><td>\u5404\u670d\u52a1\u5546<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u5efa\u8bae\u628a\u8fd9\u5f20\u8868\u548c\u4f60\u7684\u73b0\u91d1\u5230\u8d26\u65f6\u95f4\u5bf9\u4e00\u4e0b\u3002\u5982\u679c\u94b1\u5728\u6295\u8d44\u8d26\u6237\u3001\u5b9a\u671f\u5b58\u6b3e\u91cc\uff0c\u6216\u8005\u9700\u8981\u4ece\u6d77\u5916\u6c47\u8fc7\u6765\uff0c\u8981\u63d0\u524d\u5b89\u6392\uff0c\u4e0d\u8981\u7b49\u5f8b\u5e08\u50ac\u6b3e\u624d\u53bb\u8f6c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u5b9a\u91d1\uff08Deposit\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Offer \u88ab\u63a5\u53d7\u540e\uff0c\u901a\u5e38\u8981\u5728 <strong>24 \u5c0f\u65f6\u5185<\/strong>\u628a\u5b9a\u91d1\u4ea4\u5230\u5356\u65b9\u7ecf\u7eaa\u516c\u53f8\u7684\u4fe1\u6258\u8d26\u6237\u3002\u91d1\u989d\u5e38\u89c1\u662f\u623f\u4ef7\u7684 5% \u5de6\u53f3\uff0c\u53ef\u4ee5\u901a\u8fc7\u589e\u52a0\u5b9a\u91d1\u7684\u6bd4\u4f8b\u53bb\u589e\u5f3aoffer\u7684\u7ade\u4e89\u529b\uff0c\u4f46\u5927\u591a\u6570\u60c5\u51b5\u4e0b\u4e0d\u9700\u8981\u3002\u5b9a\u91d1\u4e00\u822c\u7528\u94f6\u884c\u6c47\u7968\uff08Bank Draft\uff09\u6216\u7535\u6c47\u7684\u5f62\u5f0f\u652f\u4ed8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b9a\u91d1\u5728\u4ea4\u623f\u65f6\u4f1a\u7b97\u4f5c\u9996\u4ed8\u7684\u4e00\u90e8\u5206\uff0c\u4e0d\u662f\u989d\u5916\u7684\u94b1\uff0c\u4f46\u5b83\u662f<strong>\u6700\u65e9\u8981\u62ff\u51fa\u6765\u7684\u4e00\u5927\u7b14\u73b0\u91d1<\/strong>\u3002\u6bd4\u5982\u4e70 $100\u4e07\u7684\u623f\u5b50\uff0c5% \u5c31\u662f $50,000\u3002\u4e0b Offer \u524d\uff0c\u5148\u786e\u8ba4\u8fd9\u7b14\u94b1\u5df2\u7ecf\u5728\u4f60\u80fd\u968f\u65f6\u52a8\u7528\u7684\u8d26\u6237\u91cc\uff0c\u5e76\u4e86\u89e3\u4f60\u94f6\u884c\u7684\u5355\u65e5\u8f6c\u8d26\u4e0a\u9650\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u571f\u5730\u8f6c\u8ba9\u7a0e\uff08Land Transfer Tax\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u5927\u7684\u4e00\u7b14\u989d\u5916\u652f\u51fa\uff0c\u800c\u4e14<strong>\u4e00\u822c\u4e0d\u80fd\u52a0\u8fdb\u8d37\u6b3e\uff0c\u8981\u7528\u73b0\u91d1\u4ed8<\/strong>\u3002\u5b89\u7701\u6240\u6709\u5730\u533a\u90fd\u8981\u4ea4\u7701\u7a0e\uff1b\u5728\u591a\u4f26\u591a\u5e02\u5185\u8fd8\u8981\u518d\u4ea4\u4e00\u4efd\u5e02\u7a0e\u3002Markham\u3001Richmond Hill\u3001Vaughan \u7b49\u7ea6\u514b\u533a\u57ce\u5e02\uff0c\u4ee5\u53ca Mississauga\u3001Oakville \u7b49\u591a\u4f26\u591a\u5e02\u4ee5\u5916\u7684\u5730\u65b9\uff0c\u53ea\u4ea4\u7701\u7a0e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2026 \u5e74\u73b0\u884c\u7a0e\u7387\uff08\u4e00\u81f3\u4e24\u6237\u7684\u4f4f\u5b85\uff09<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u623f\u4ef7\u533a\u95f4<\/th><th>\u5b89\u7701\u7a0e\u7387<\/th><th>\u591a\u4f26\u591a\u5e02\u7a0e\u7387<\/th><\/tr><\/thead><tbody><tr><td>$55,000 \u4ee5\u4e0b\u7684\u90e8\u5206<\/td><td>0.5%<\/td><td>0.5%<\/td><\/tr><tr><td>$55,000\u2013$250,000 \u7684\u90e8\u5206<\/td><td>1.0%<\/td><td>1.0%<\/td><\/tr><tr><td>$250,000\u2013$400,000 \u7684\u90e8\u5206<\/td><td>1.5%<\/td><td>1.5%<\/td><\/tr><tr><td>$400,000\u2013$200 \u4e07\u7684\u90e8\u5206<\/td><td>2.0%<\/td><td>2.0%<\/td><\/tr><tr><td>$200 \u4e07\u4ee5\u4e0a\u7684\u90e8\u5206<\/td><td>2.5%<\/td><td>2.5%\uff08$300 \u4e07\u4ee5\u4e0a\u66f4\u9ad8\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u591a\u4f26\u591a\u5e02\u4ece 2026 \u5e74 4 \u6708 1 \u65e5\u8d77\uff0c\u5bf9 $300 \u4e07\u4ee5\u4e0a\u7684\u4f4f\u5b85\u63d0\u9ad8\u4e86\u5e02\u7a0e\u7a0e\u7387\uff0c\u4e70\u9ad8\u4ef7\u623f\u7684\u8981\u5355\u72ec\u7b97\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9996\u6b21\u8d2d\u623f\u8005\u9000\u7a0e<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5b89\u7701\uff1a\u6700\u591a\u9000 $4,000\u3002<\/li>\n\n<li>\u591a\u4f26\u591a\u5e02\uff1a\u6700\u591a\u518d\u9000 $4,475\uff0c\u4e24\u9879\u5408\u8ba1\u6700\u591a $8,475\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6761\u4ef6\u5927\u81f4\u662f\uff1a\u5e74\u6ee1 18 \u5c81\u3001\u52a0\u62ff\u5927\u516c\u6c11\u6216\u6c38\u4e45\u5c45\u6c11\u3001<strong>\u5728\u5168\u4e16\u754c\u4efb\u4f55\u5730\u65b9\u90fd\u6ca1\u6709\u62e5\u6709\u8fc7\u4f4f\u623f<\/strong>\u3001\u4ea4\u623f\u540e 9 \u4e2a\u6708\u5185\u642c\u8fdb\u53bb\u81ea\u4f4f\u3002\u914d\u5076\u5728\u5a5a\u59fb\u671f\u95f4\u62e5\u6709\u8fc7\u623f\u5b50\u4e5f\u4f1a\u5f71\u54cd\u8d44\u683c\u3002\u4e00\u822c\u7531\u5f8b\u5e08\u5728\u4ea4\u623f\u65f6\u76f4\u63a5\u62b5\u6263\uff0c\u5f53\u65f6\u6ca1\u7533\u8bf7\u7684\uff0c\u5b89\u7701\u89c4\u5b9a\u53ef\u4ee5\u5728\u767b\u8bb0\u540e 18 \u4e2a\u6708\u5185\u81ea\u5df1\u7533\u8bf7\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. \u8d37\u6b3e\u76f8\u5173\u8d39\u7528<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e3b\u8981\u94f6\u884c\uff08A Lender\uff09<\/strong>\uff1a\u4e00\u822c\u4e0d\u6536\u624b\u7eed\u8d39\uff0c\u90e8\u5206\u94f6\u884c\u53ef\u80fd\u8981\u6c42\u8d26\u6237\u91cc\u6709\u4e00\u5b9a\u7684\u5b58\u6b3e\u3002<\/li>\n\n<li><strong>B \u7c7b\u8d37\u6b3e\u673a\u6784\u6216\u79c1\u4eba\u8d37\u6b3e<\/strong>\uff1a\u901a\u5e38\u4f1a\u6536\u53d6\u8d37\u6b3e\u624b\u7eed\u8d39\u548c\u7ecf\u7eaa\u8d39\uff0c\u5e38\u89c1\u662f\u8d37\u6b3e\u989d\u7684 1%\u20134%\u3002<\/li>\n\n<li><strong>\u9996\u4ed8\u4f4e\u4e8e 20%<\/strong>\uff1a\u8981\u4e70\u6309\u63ed\u8fdd\u7ea6\u4fdd\u9669\uff08CMHC \u7b49\uff09\u3002\u4fdd\u8d39\u672c\u8eab\u4e00\u822c\u52a0\u5230\u8d37\u6b3e\u91cc\uff0c\u4f46<strong>\u5728\u5b89\u7701\uff0c\u4fdd\u8d39\u8fd8\u8981\u4ea4 8% \u7684\u7701\u9500\u552e\u7a0e\uff0c\u8fd9\u7b14\u7a0e\u4e0d\u80fd\u52a0\u8fdb\u8d37\u6b3e\uff0c\u4ea4\u623f\u65f6\u8981\u4ed8\u73b0\u91d1<\/strong>\u3002\u5f88\u591a\u4eba\u6f0f\u7b97\u7684\u5c31\u662f\u8fd9\u4e00\u7b14\uff0c\u540e\u9762\u6211\u4f1a\u4e3e\u4f8b\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4. \u4f30\u4ef7\u8d39\uff08Appraisal Fee\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u94f6\u884c\u8bf7\u7b2c\u4e09\u65b9\u8bc4\u4f30\u623f\u5b50\u4ef7\u503c\u7684\u8d39\u7528\uff0c\u7ea6\u51e0\u767e\u5143\u3002\u90e8\u5206\u94f6\u884c\u53ef\u4ee5\u514d\u9664\uff0c\u4e5f\u6709\u94f6\u884c\u81ea\u5df1\u627f\u62c5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f30\u4ef7\u8fd8\u6709\u4e00\u4e2a\u66f4\u91cd\u8981\u7684\u5f71\u54cd\uff1a\u5982\u679c\u4f30\u4ef7\u4f4e\u4e8e\u4f60\u7684\u6210\u4ea4\u4ef7\uff0c\u94f6\u884c\u6309\u8f83\u4f4e\u7684\u4f30\u4ef7\u653e\u6b3e\uff0c\u5dee\u989d\u8981\u4f60\u81ea\u5df1\u7528\u73b0\u91d1\u8865\u4e0a\u3002\u62a2 Offer\u3001\u65e0\u6761\u4ef6\u51fa\u4ef7\u65f6\u5c24\u5176\u8981\u7559\u610f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. \u4fdd\u9669<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u623f\u5c4b\u4fdd\u9669<\/strong>\uff1a\u94f6\u884c\u653e\u6b3e\u524d\u5fc5\u987b\u4e70\u597d\uff0c\u751f\u6548\u65e5\u671f\u8981\u8986\u76d6\u4ea4\u623f\u65e5\u3002\u8d39\u7528\u89c6\u623f\u9f84\u3001\u623f\u578b\u3001\u533a\u57df\u548c\u4fdd\u989d\u800c\u5b9a\uff0c\u5efa\u8bae\u5728\u5c65\u884c\u6761\u4ef6\u671f\u95f4\u5c31\u53bb\u62a5\u4ef7\uff0c\u8001\u623f\u5b50\u3001\u6709\u6728\u7089\u6216\u7279\u6b8a\u7ba1\u7ebf\u7684\u623f\u5b50\uff0c\u6709\u65f6\u4e0d\u5bb9\u6613\u6295\u4fdd\u3002<\/li>\n\n<li><strong>\u4ea7\u6743\u4fdd\u9669\uff08Title Insurance\uff09<\/strong>\uff1a\u901a\u8fc7\u5f8b\u5e08\u8d2d\u4e70\uff0c\u4e00\u6b21\u6027\u4ed8\u8d39\uff0c\u4fdd\u969c\u4f60\u6301\u6709\u623f\u5b50\u7684\u6574\u4e2a\u671f\u95f4\uff0c\u9632\u8303\u4ea7\u6743\u6b3a\u8bc8\u7b49\u95ee\u9898\u3002\u4e00\u822c\u51e0\u767e\u5143\u5230\u4e00\u5343\u591a\u5143\uff0c<strong>\u4ec5\u4f9b\u53c2\u8003\uff0c\u4ee5\u5f8b\u5e08\u62a5\u4ef7\u4e3a\u51c6<\/strong>\u3002\u6211\u5f3a\u70c8\u5efa\u8bae\u8d2d\u4e70\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">6. \u9a8c\u623f\u8d39<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ea6 $400\u2013$700\uff0c\u89c6\u623f\u5b50\u5927\u5c0f\u548c\u68c0\u67e5\u9879\u76ee\u800c\u5b9a\u3002\u8fd9\u7b14\u94b1\u4e0d\u8981\u7701\uff0c\u9a8c\u623f\u5e08\u4f1a\u4ece\u5c4b\u9876\u5230\u5730\u4e0b\u5ba4\u5168\u9762\u68c0\u67e5\u3002\u5982\u679c\u8fd8\u8981\u6d4b\u6c21\u6c14\u3001\u7528\u6444\u50cf\u5934\u68c0\u67e5\u4e0b\u6c34\u7ba1\uff0c\u4f1a\u53e6\u5916\u6536\u8d39\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7. \u5f8b\u5e08\u8d39<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e70\u65b9\u5f8b\u5e08\u8d1f\u8d23\u4ea7\u6743\u5ba1\u67e5\u3001\u8d37\u6b3e\u6587\u4ef6\u3001\u8fc7\u6237\u767b\u8bb0\u548c\u4ea4\u5272\u3002\u5e38\u89c1\u5728 $1,500\u2013$2,500 \u5de6\u53f3\uff08\u542b\u5e38\u89c1\u6742\u8d39\uff09\uff0c\u623f\u4ef7\u8d8a\u9ad8\u3001\u4ea4\u6613\u8d8a\u590d\u6742\uff0c\u8d39\u7528\u901a\u5e38\u8d8a\u9ad8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bd4\u8f83\u62a5\u4ef7\u65f6\uff0c\u95ee\u6e05\u695a\u4e09\u4ef6\u4e8b\uff1a\u62a5\u4ef7\u662f\u5426\u542b HST\uff1b\u4ea7\u6743\u67e5\u8be2\u3001\u767b\u8bb0\u8d39\u3001\u5feb\u9012\u7b49\u6742\u8d39\uff08Disbursements\uff09\u662f\u5426\u5305\u542b\uff1b\u4ea7\u6743\u4fdd\u9669\u662f\u5426\u53e6\u7b97\u3002\u53ea\u6bd4\u201c\u5f8b\u5e08\u8d39\u201d\u4e00\u4e2a\u6570\u5b57\uff0c\u5bb9\u6613\u6bd4\u9519\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">8. \u4ea4\u5272\u8c03\u6574\uff08Adjustments\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5356\u5bb6\u5df2\u7ecf\u9884\u4ed8\u7684\u5730\u7a0e\u3001\u516c\u5bd3\u7ba1\u7406\u8d39\u7b49\uff0c\u4ea4\u623f\u65f6\u7531\u5f8b\u5e08\u6309\u5929\u6570\u8ba1\u7b97\uff0c\u4e70\u5bb6\u8981\u628a\u5c5e\u4e8e\u81ea\u5df1\u7684\u90a3\u90e8\u5206\u8865\u7ed9\u5356\u5bb6\u3002\u91d1\u989d\u4ece\u51e0\u767e\u5230\u51e0\u5343\u5143\u4e0d\u7b49\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3e\u4e2a\u4f8b\u5b50\uff1a\u5356\u5bb6\u5df2\u7ecf\u4ea4\u4e86\u5168\u5e74\u5730\u7a0e\uff0c\u4f60 7 \u6708 1 \u65e5\u4ea4\u623f\uff0c\u90a3\u4e48 7 \u6708\u5230 12 \u6708\u8fd9\u534a\u5e74\u7684\u5730\u7a0e\uff0c\u4f60\u8981\u5728\u4ea4\u623f\u65f6\u8865\u7ed9\u5356\u5bb6\u3002\u53cd\u8fc7\u6765\uff0c\u5982\u679c\u5356\u5bb6\u8fd8\u6b20\u7740\u5f53\u671f\u5730\u7a0e\uff0c\u5f8b\u5e08\u4f1a\u4ece\u623f\u6b3e\u91cc\u6263\u7ed9\u4f60\u3002\u5177\u4f53\u4ee5\u5f8b\u5e08\u51fa\u7684\u7ed3\u7b97\u5355\uff08Statement of Adjustments\uff09\u4e3a\u51c6\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ea4\u623f\u73b0\u91d1\u6e05\u5355\u8868<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>\u5927\u6982\u91d1\u989d<\/th><th>\u80fd\u5426\u52a0\u8fdb\u8d37\u6b3e<\/th><th>\u5907\u6ce8<\/th><\/tr><\/thead><tbody><tr><td>\u9996\u4ed8\uff08\u542b\u5df2\u4ed8\u7684\u5b9a\u91d1\uff09<\/td><td>\u623f\u4ef7\u7684 5%\u201320% \u6216\u66f4\u591a<\/td><td>\u4e0d\u80fd<\/td><td>\u5b9a\u91d1 24 \u5c0f\u65f6\u5185\u5148\u4ed8<\/td><\/tr><tr><td>\u571f\u5730\u8f6c\u8ba9\u7a0e<\/td><td>\u6309\u623f\u4ef7\u5206\u7ea7\u8ba1\u7b97<\/td><td>\u4e00\u822c\u4e0d\u80fd<\/td><td>\u591a\u4f26\u591a\u5e02\u5185\u4ea4\u4e24\u4efd<\/td><\/tr><tr><td>\u5f8b\u5e08\u8d39\u548c\u6742\u8d39<\/td><td>$1,500\u2013$2,500 \u5de6\u53f3<\/td><td>\u4e0d\u80fd<\/td><td>\u95ee\u6e05\u662f\u5426\u542b HST \u548c\u6742\u8d39<\/td><\/tr><tr><td>\u4ea7\u6743\u4fdd\u9669<\/td><td>$1000-$1500\uff08\u4ec5\u4f9b\u53c2\u8003\uff09<\/td><td>\u4e0d\u80fd<\/td><td>\u901a\u8fc7\u5f8b\u5e08\u8d2d\u4e70<\/td><\/tr><tr><td>\u9a8c\u623f<\/td><td>$400\u2013$700<\/td><td>\u4e0d\u80fd<\/td><td>\u4e0b Offer \u524d\u540e\u4ed8<\/td><\/tr><tr><td>Valuation<\/td><td>$300-$500<\/td><td>\u4e0d\u80fd<\/td><td>\u90e8\u5206\u94f6\u884c\u514d\u9664<\/td><\/tr><tr><td>CMHC \u4fdd\u8d39\u7684\u7701\u9500\u552e\u7a0e<\/td><td>\u4fdd\u8d39\u7684 8%<\/td><td>\u4e0d\u80fd<\/td><td>\u9996\u4ed8\u4e0d\u5230 20% \u624d\u9700\u8981\u652f\u4ed8<\/td><\/tr><tr><td>\u623f\u5c4b\u4fdd\u9669<\/td><td>\u89c6\u623f\u5b50\u800c\u5b9a<\/td><td>\u4e0d\u80fd<\/td><td>\u653e\u6b3e\u524d\u5fc5\u987b\u751f\u6548<\/td><\/tr><tr><td>\u4ea4\u5272\u8c03\u6574<\/td><td>\u51e0\u767e\u5230\u51e0\u5343\u5143<\/td><td>\u4e0d\u80fd<\/td><td>\u5730\u7a0e\u3001\u7ba1\u7406\u8d39\u7b49<\/td><\/tr><tr><td>\u642c\u5bb6\u548c\u5165\u4f4f<\/td><td>\u89c6\u60c5\u51b5<\/td><td>\u4e0d\u80fd<\/td><td>\u642c\u5bb6\u3001\u7a97\u5e18\u3001\u6362\u9501\u3001\u7c89\u5237<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e70\u516c\u5bd3\u7684\u989d\u5916\u8d39\u7528<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u516c\u5bd3\uff08Condo\uff09\u7684\u8d39\u7528\u7ed3\u6784\u548c\u72ec\u7acb\u5c4b\u5dee\u4e0d\u591a\uff0c\u53e6\u5916\u8981\u7559\u610f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7ba1\u7406\u8d39\u8c03\u6574<\/strong>\uff1a\u5356\u5bb6\u5df2\u4ea4\u7684\u5f53\u6708\u7ba1\u7406\u8d39\uff0c\u4ea4\u623f\u65f6\u6309\u5929\u6570\u5206\u644a\u3002<\/li>\n\n<li><strong>Status Certificate\uff08\u5927\u697c\u62a5\u544a\uff09<\/strong>\uff1a\u6709\u6761\u4ef6\u671f\u95f4\u901a\u5e38\u7531\u5f8b\u5e08\u5ba1\u9605\uff0c\u8d39\u7528\u4e0d\u9ad8\uff0c\u4f46\u4e0d\u8981\u7701\u3002\u600e\u4e48\u8bfb\u53ef\u4ee5\u770b\u300a<a href=\"\/en\/condo-status-certificate-guide\/\">Buying a Condo: How to Read a Status Certificate<\/a>\u300b\u3002<\/li>\n\n<li><strong>\u642c\u5bb6\u9884\u7ea6<\/strong>\uff1a\u5f88\u591a\u5927\u697c\u8981\u6c42\u9884\u7ea6\u8d27\u68af\uff0c\u53ef\u80fd\u6536\u62bc\u91d1\u6216\u8d39\u7528\uff0c\u4ee5\u5927\u697c\u89c4\u5b9a\u4e3a\u51c6\u3002<\/li>\n\n<li><strong>\u8f66\u4f4d\u3001\u50a8\u7269\u67dc<\/strong>\uff1a\u5982\u679c\u662f\u5355\u72ec\u4ea7\u6743\uff0c\u571f\u5730\u8f6c\u8ba9\u7a0e\u6309\u5305\u542b\u5b83\u4eec\u7684\u603b\u4ef7\u8ba1\u7b97\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e70\u65b0\u623f\u6216\u697c\u82b1\u7684\u989d\u5916\u8d39\u7528<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u623f\u548c\u697c\u82b1\u6700\u5bb9\u6613\u5728\u4ea4\u623f\u65f6\u201c\u591a\u51fa\u4e00\u7b14\u201d\uff0c\u56e0\u4e3a\u5408\u540c\u91cc\u5199\u4e86\u5f88\u591a\u8c03\u6574\u9879\uff08Adjustments\uff09\u3002\u6211\u8fd9\u91cc\u53ea\u8bb2\u4e00\u822c\u539f\u5219\uff0c\u5177\u4f53\u4ee5\u4f60\u7684\u4e70\u5356\u5408\u540c\u548c\u5f8b\u5e08\u610f\u89c1\u4e3a\u51c6\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5f00\u53d1\u8d39\uff08Development Charges\uff09<\/strong>\uff1a\u5e02\u653f\u5e9c\u5411\u65b0\u5efa\u9879\u76ee\u6536\u53d6\u7684\u8d39\u7528\u3002\u6709\u7684\u5408\u540c\u4f1a\u8bbe\u4e0a\u9650\uff0c\u6709\u7684\u5199\u201c\u8d85\u51fa\u90e8\u5206\u7531\u4e70\u5bb6\u627f\u62c5\u201d\u3002\u7b7e\u7ea6\u524d\u4e00\u5b9a\u8981\u770b\u6e05\u695a\u6709\u6ca1\u6709\u4e0a\u9650\u3002<\/li>\n\n<li><strong>Tarion \u6ce8\u518c\u8d39<\/strong>\uff1a\u65b0\u623f\u4fdd\u4fee\u8ba1\u5212\u7684\u6ce8\u518c\u8d39\uff0c\u5f88\u591a\u5408\u540c\u4f1a\u4f5c\u4e3a\u8c03\u6574\u9879\u8f6c\u7ed9\u4e70\u5bb6\u3002<\/li>\n\n<li><strong>\u6c34\u7535\u8868\u5b89\u88c5\u548c\u63a5\u9a73\u8d39<\/strong>\uff1a\u72ec\u7acb\u5c4b\u3001\u9547\u5c4b\u65b0\u623f\u5e38\u89c1\uff0c\u91d1\u989d\u5404\u9879\u76ee\u4e0d\u540c\u3002<\/li>\n\n<li><strong>HST \u65b0\u623f\u9000\u7a0e<\/strong>\uff1a\u65b0\u623f\u4ef7\u683c\u901a\u5e38\u5df2\u7ecf\u5305\u542b HST\uff0c\u5e76\u628a\u9000\u7a0e\u8f6c\u8ba9\u7ed9\u5f00\u53d1\u5546\u3002\u5982\u679c\u4f60\u4e0d\u81ea\u4f4f\u3001\u4e0d\u7b26\u5408\u9000\u7a0e\u6761\u4ef6\uff0c\u4ea4\u623f\u65f6\u53ef\u80fd\u8981\u628a\u8fd9\u90e8\u5206\u8865\u7ed9\u5f00\u53d1\u5546\u3002<\/li>\n\n<li><strong>Other<\/strong>\uff1a\u8f66\u9053\u94fa\u8bbe\u3001\u690d\u6811\u3001\u56f4\u680f\u7b49\uff0c\u770b\u5408\u540c\u9644\u8868\uff08Schedule\uff09\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u5efa\u516c\u5bd3\u697c\u82b1\u4e00\u822c\u6709 10 \u5929\u51b7\u9759\u671f\uff0c\u6211\u5efa\u8bae\u5728\u8fd9\u6bb5\u65f6\u95f4\u91cc\u8bf7\u5f8b\u5e08\u628a\u8c03\u6574\u9879\u9010\u6761\u770b\u4e00\u904d\uff0c\u5e76\u95ee\u5f00\u53d1\u5546\u8981\u4e00\u4e2a\u4e0a\u9650\u3002\u66f4\u5b8c\u6574\u7684\u5185\u5bb9\u53ef\u4ee5\u770b\u300a<a href=\"\/en\/pre-construction-guide\/\">The Complete Guide to Toronto Pre-Construction: Choosing a Project, Deposits, Costs, Risks, Delays and Assignments<\/a>\u300b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6c34\u7535\u71c3\u6c14\u5f00\u6237<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ea4\u623f\u524d\u4e00\u4e24\u5468\uff0c\u8981\u628a\u6c34\u3001\u7535\u3001\u71c3\u6c14\u8f6c\u5230\u81ea\u5df1\u540d\u4e0b\u3002\u591a\u4f26\u591a\u5e02\u5185\u7684\u6c34\u8d39\u7531\u5e02\u653f\u5e9c\u6536\uff0c\u4e00\u822c\u5f8b\u5e08\u4f1a\u901a\u77e5\u5e02\u653f\u5e9c\u66f4\u6539\u4e1a\u4e3b\uff1b\u7535\u548c\u71c3\u6c14\u8981\u81ea\u5df1\u8054\u7cfb\u670d\u52a1\u5546\u3002\u6709\u7684\u516c\u53f8\u4f1a\u6536\u4e00\u6b21\u6027\u5f00\u6237\u8d39\uff0c\u6216\u8005\u5bf9\u6ca1\u6709\u4fe1\u7528\u8bb0\u5f55\u7684\u65b0\u5ba2\u6237\u8981\u6c42\u62bc\u91d1\uff0c\u5404\u516c\u53f8\u89c4\u5b9a\u4e0d\u540c\uff0c\u4ee5\u5404\u81ea\u5b98\u7f51\u4e3a\u51c6\u3002\u522b\u5fd8\u4e86\u70ed\u6c34\u5668\u3001\u7a7a\u8c03\u5982\u679c\u662f\u79df\u7684\uff0c\u4ea4\u623f\u540e\u5408\u540c\u4f1a\u8f6c\u7ed9\u4f60\uff0c\u6bcf\u4e2a\u6708\u6709\u79df\u91d1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u600e\u4e48\u9884\u7559\u7f13\u51b2<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u901a\u5e38\u5efa\u8bae\u5206\u4e09\u5c42\u6765\u7559\u94b1\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u5fc5\u4ed8\u7684\u94b1<\/strong>\uff1a\u9996\u4ed8\u3001\u571f\u5730\u8f6c\u8ba9\u7a0e\u3001\u5f8b\u5e08\u8d39\u3001\u4ea7\u6743\u4fdd\u9669\u3002\u8fd9\u90e8\u5206\u6309\u5b9e\u9645\u62a5\u4ef7\u7b97\u8db3\u3002<\/li>\n\n<li><strong>\u53ef\u80fd\u53d8\u52a8\u7684\u94b1<\/strong>\uff1a\u4f30\u4ef7\u5dee\u989d\u3001\u4ea4\u5272\u8c03\u6574\u3001CMHC \u4fdd\u8d39\u7684\u7701\u9500\u552e\u7a0e\u3002\u6309\u4e0a\u9650\u4f30\u3002<\/li>\n\n<li><strong>\u5165\u4f4f\u540e\u7684\u94b1<\/strong>\uff1a\u642c\u5bb6\u3001\u5bb6\u5177\u3001\u7a97\u5e18\u3001\u57fa\u672c\u7ef4\u4fee\u6216\u7c89\u5237\uff0c\u518d\u7559 1\u20133 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class=\"wp-block-heading\">\u4ea4\u623f\u524d\u53d1\u73b0\u94b1\u4e0d\u591f\u600e\u4e48\u529e\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d8a\u65e9\u544a\u8bc9\u5f8b\u5e08\u548c\u8d37\u6b3e\u7ecf\u7eaa\u8d8a\u597d\uff0c\u770b\u80fd\u5426\u8c03\u6574\u8d37\u6b3e\u989d\u6216\u5b89\u6392\u8fc7\u6865\u8d44\u91d1\u3002\u6700\u574f\u7684\u60c5\u51b5\u662f\u65e0\u6cd5\u4ea4\u623f\uff0c\u8981\u627f\u62c5\u8fdd\u7ea6\u8d23\u4efb\uff0c\u6240\u4ee5\u4e0b Offer \u524d\u5c31\u8981\u628a\u94b1\u7b97\u8db3\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e70\u516c\u5bd3\u548c\u4e70\u72ec\u7acb\u5c4b\uff0c\u4ea4\u623f\u73b0\u91d1\u5dee\u522b\u5927\u5417\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u540c\u6837\u7684\u4ef7\u683c\uff0c\u571f\u5730\u8f6c\u8ba9\u7a0e\u4e00\u6837\uff0c\u4e3b\u8981\u5dee\u522b\u5728\u7ba1\u7406\u8d39\u8c03\u6574\u3001\u5927\u697c\u642c\u5bb6\u8d39\u7528\uff0c\u4ee5\u53ca\u65b0\u697c\u82b1\u7684\u5404\u9879\u8c03\u6574\u8d39\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5ef6\u4f38\u9605\u8bfb<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"\/en\/land-transfer-tax-ontario\/\">Ontario Land Transfer Tax: How It's Calculated and Why Toronto Buyers Pay Twice<\/a>\u300b<\/li>\n\n<li>\u300a<a href=\"\/en\/toronto-first-time-home-buyer-guide\/\">Toronto Home Buyer's Handbook: A Must-Read Guide for First-Time Buyers<\/a>\u300b<\/li>\n\n<li>\u300a<a href=\"\/en\/home-inspection-guide\/\">Home Inspection Guide: What's Inspected, Reading the Report, Negotiating Issues, and Pre-Listing Inspections<\/a>\u300b<\/li>\n\n<li>\u300a<a href=\"\/en\/pre-construction-guide\/\">The Complete Guide to Toronto Pre-Construction: Choosing a Project, Deposits, Costs, Risks, Delays and Assignments<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u6587\u7684\u7a0e\u7387\u548c\u8d39\u7528\u4e3a 2026 \u5e74\u7684\u4e00\u822c\u60c5\u51b5\uff0c\u4ec5\u4f9b\u53c2\u8003\uff0c\u5177\u4f53\u4ee5\u5f8b\u5e08\u3001\u8d37\u6b3e\u673a\u6784\u548c\u653f\u5e9c\u5b98\u7f51\u4e3a\u51c6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u60f3\u7b97\u4e00\u7b97\u4f60\u7684\u8d2d\u623f\u603b\u6210\u672c\uff0c\u6b22\u8fce\u627e\u6211\uff0c\u6211\u4f1a\u5e2e\u4f60\u5217\u4e00\u4efd\u8be6\u7ec6\u7684\u4ea4\u623f\u73b0\u91d1\u9884\u7b97\u8868\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>Beyond the down payment, you need to plan for the deposit, land transfer tax, legal fees, title insurance, home inspection, appraisal, insurance and closing adjustments. This article explains each cost in the order you pay it, with a checklist of the cash you need on closing day.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[77,75,76,79,78,80],"class_list":["post-128","post","type-post","status-publish","format-standard","hentry","category-taxes","tag-closing-costs","tag-75","tag-76","tag-79","tag-78","tag-80"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u591a\u4f26\u591a\u4e70\u623f\u9996\u4ed8\u4e4b\u5916\u8981\u51c6\u5907\u591a\u5c11\u94b1\uff1f\u4ea4\u623f\u8d39\u7528\u548c\u73b0\u91d1\u6e05\u5355 | Kris Wang<\/title>\n<meta name=\"description\" content=\"2026 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