With lots of International buyers entering the marketplace, her are some important points to keep in mind!

1. 10 THINGS INTERNATIONAL BUYERS AND
SELLERS NEED TO KNOW
国际买家及卖家需要知道的十件事

2. One of the major influences in today's real estate market is the foreign
buyer. So buyers and sellers, who are buying in Canada or the United
States need to know a few things before they make that move. It's a very
big investment, but before you move ahead, here's 10 things that you
need to know.
外国买家是影响当今房地产市场要素之一。房地产是一项很大的投资，如
果您想移居加拿大或美国，您必须知道十件事情，在购买房地产在之前。

3. #1 MULTIPLE LISTING
SERVICE
#1 房源共享平台
Canada and the United States have what is called a Multiple Listing Service. That means
that you can work with one agent who can show you all the listings in his office or her
office and they can also show you listings that belong to other companies. So you no
need to shop for a number of agents, you can use one agent, and that agent can show
you as many properties as you would like to see.
加拿大和美国有所谓的房源共享服务。这就意味着您只需与一位房地产代理人合
作，这家房地产代理人既能让您看自己的房源，也能让您看别家公司的房源。所
以您就不必找好几家房地产中介。只需用一家中介，想看多少房子就看多少。

4. #2 LISTING AGENT
#2 卖方代理
Sellers enter into a contract to list their properties for Sale with one agent, called
the Listing Agent.
卖方与一位代理签订合同，把房子交给代理公司挂在其房源里出售，该代理人就叫
卖方代理。

5. #3 BUYER AGENCY AGREEMENT (BUYER
REPRESENTATION)
#3 买方代理协议 ( 买方代理 )
Buyers can enter into contracts with what we call a Buyer Agency Agreement (Buyer
Representation). Which means that, that Buyer fiduciary duty is to you as the Buyer. That
means that they have to protect your interest, they have to make sure they have all the
information, and they are on your side in a number of transactions. So it’s Buyer Agency,
Buyer Representation, very very important in North America.
买方可签订所谓的买方委托代理协议 ( 买方代理 ) 。这就是说买方代理对您作为买者负有
受托责任。也就是说他们必须保护您的利益，必须确保拥有所有的信息，在进行交易时站
在您的这一边。因此买方代理公司及买方代理在北美是非常重要的。

6. #4 FUNDS ON SHORE
#4 资金到位
Make sure that you have funds transferred into a Canadian or a U.S bank, so you are ready to move
ahead with a transaction if you see something. You need to make sure that your funds are on shore
before you make any sort of deposits or down payment and transactions. Don’t expect that your funds
can be transferred within a day or two, they should be on shore they should be in North America and
ready to do the purchase.
确保资金已转到加拿大或美国的银行里以便您若看中某个房产，资金已准备好随时可进行交易。您须确保在
交任何种类订金 , 或首付及交易时您的资金款项已到位，不要期待您的资金会在一两天之内转到。它们应已
在北美准备好进行交易。

7. #5 DEPOSIT
#5 订金
You will need a deposit, and a deposit is something that is cash and/or certified funds and that money has to
go into a bank account with the Listing Brokerage and it is called a deposit, and it’s either between 5% or
10% and should be fairly accessible from your bank account and into the trust fund of the Listing company.
您将需要交订金。订金就是现金或保付资金，是要打到卖方代理的银行账户上的。订金金额通常在购买金额的
5%-10% 之间，应能从您的银行账户获得并能被转到卖方代理公司的信托基金上。

8. #6 FINANCING
#6 贷款
If you need financing you will have to be preapproved by a bank with branches in Canada. There are a lot of foreign
banks in Canada and you can use them, but they are much happier if a lot of your assets are already transferred into
Canadian funds or in a Canadian bank. Or U.S funds in a U.S bank.
如您需要贷款，您需要在加拿大有分行的银行的提前批准。在加拿大有很多外国银行，您可以使用。若您的部分资产都已
经转至加拿大资金管理机构或银行，或已经转到美国资金管理机构或银行，手续将容易办得多。

9. #7 LAND TRANSFER TAX
#7 土地转让税
Buying property in Canada and United States is like buying property in many other places, there are
taxes to be paid. Here we have taxes on the property that are paid on a yearly basis. There’s also taxes
that are paid when you actually buy the property. And in Toronto at the moment there are two taxes to
be paid, one goes… 2% goes to the Province and 2% of the purchase price goes to the City of Toronto.
But you have to be prepared to pay to those taxes on closing.
在加拿大或美国购买房地产就跟在很多其他地方一样 - 有一些税需要缴纳。每年除了需要缴纳的房产税，
还有一些税是在购房时所要交的。现在在多伦多有两种税要交， 一是购房金额的 2% 的税要交到多伦多省
，另外一个是购房金额的 2% 交到多伦多市。您需准备好在正式交接房产的时候上交这些税。

10. #8 PROPERTY TAX & WITHHOLDING TAX
#8 房产税和预扣税
Owning property in Canada and the United States means that you will have to pay
property taxes. Taxes on most property are a factor of the size of the property,
and the value of the property. And here it is based on a percentage of the value
of the property. And usually that is one percent of the value of the property you
pay in taxes per year. But that is a figure you should keep in mind. When you sell
your property, you will be subject to withholding tax, and that withholding tax will
be relinquished once the Government assesses your tax liability.
在加拿大及美国拥有房地产，就意味着您须缴纳房产税。税率大多数是由房产的大
小及价值决定的。这儿房产税是根据房产价值的百分比来计算的。通常每年您需缴
纳的房产税为房产价值百分之一。但还有一个数字您需记在心里。当您出售您的房
产，您将需缴纳预扣税，一旦政府评定您的纳税义务后，就无需再缴纳预扣税。

11. #9 RESPONSIBILITY TO THE MORTGAGEE
#9 对抵押贷款应负的责任
Please know that when you buy a property in Canada and it’s financed and you
have a mortgage, the mortgagee can go after you for all of the value of the
mortgage that you’ve borrowed. So you are responsible to the mortgagees to pay
that money back.
请记住当您在加拿大以贷款购房，您有抵押贷款，抵押权人可以向您追讨
回所有您所借的贷款的价值，所以您须负责还清向抵押权人所贷的款。

12. #10 AGREEMENT OF PURCHASE AND SALE
#10 购房和售房协议
Please know that an accepted of Agreement of Purchase and Sale is a contract and it is
a binding contract. It’s not something that you can walk away from nor do I suggest you
ever do that. Buying in Canada has been a very very possible for a lot of people and it’s
a very safe place to live, a very safe place to put your money. Please note that anytime
you buy a property in Canada there are strong property rights and very hard for
someone to take that property away from you, unless you do not meet your financial
commitment. But it’s a very strong safe place to invest.
请注意被双方接受的购房与售房协议是具有法律约束力的合约，不履行，是逃脱不了法律
责任的。加拿大是一在置业方面很开放的国家，这里不但是一个非常安全的居住生活之
地 - 而且也是一个安全的投资之地。无论您什么时候在加拿大购买房产，您的产权都受到
法律的保护。别人很难从您手里把房子拿走，除非您没有履行您的财政义务。

13. www.torontoism.com/real-estate/2014/09/international-buyers-sellers