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买卖房地产贴士(1)买房注意事项和常见问题问答

来源:贴心姐妹网   更新:2016-05-17 12:35:41   作者:贴心姐妹网

规管安省房地产经纪的安省房地产经纪协会(Real Estate Council of Ontario,RECO)向买房者提供了以下注意事项:

Buyers’ Checklist

Buying a home is a big decision – whether it’s your first home or a vacation home. To help you make smart decisions, it’s important to think with your head and not your heart. The Real Estate Council of Ontario (RECO) shares their tips for being home smart when you’re in the market to buy.

DO YOUR HOMEWORK. Get informed about the buying process, before it begins, to save time, hassle and money.

SHOP AROUND. Don’t be tempted to hire the first real estate professional you meet. Make sure the fit is right, check their references and visit the RECO website to confirm their registration.

GET IT IN WRITING. If your real estate professional offers you rebates or incentives, they should provide the details in writing.

UNDERSTAND WHAT YOU’RE SIGNING. Before you sign a buyer representation agreement, make sure you know what it means, how long it will be in effect and what the different clauses mean. Ask questions and seek independent legal advice if you’d like a second opinion.

KEEP BUDGET IN MIND:

  • Remember to include legal fees, land transfer tax, mortgage insurance and utility hookups in your total cost.
  • Know the costs of a home inspection and home appraisal or survey.
  • Moving costs can vary based on volume, distance and whether you hire a professional mover. Have wiggle room in your budget to cover the cost.


PROTECT YOURSELF.
 Make your offer conditional on mortgage financing, a home inspection, the sale of your existing home, and/or other factors that are important to you. These conditions provide you important protection as a buyer.

CHECK WHAT’S INSIDE THE WALLS. Ask your real estate professional to look into the age and condition of the home’s systems, such as the plumbing and electrical. Find out if proper permits were pulled for any renovations. Consider a home inspection to further examine the home and don’t hesitate to ask questions.

BE SPECIFIC. Make your offer as detailed as possible. Outline what will be included with the sale (e.g., appliances and light fixtures) and be clear if certain renovations need to be completed, based on the home inspection.

PLAN AHEAD. If you encounter a bidding war, enter with a strategy. Set ground rules in advance about what you want from a home, what you’re willing to spend and what conditions must be met. Once your rules are set, stick to them. When there are competing offers it can be tempting to waive your conditions (such as a home inspection). Think twice before doing this.

EXPECT THE UNEXPECTED. Does your closing date on your new home align with when you need to move out of your existing home? Have a contingency plan in place in case the dates don’t match up.

Common Questions and Answers

Below are answers to some common questions buyers have when thinking about purchasing a home:

1. I FIND SOME TERMS USED IN REAL ESTATE ARE CONFUSING. COULD YOU EXPLAIN SOME OF THE TYPICAL ONES?
Answer:
a. Registrant – an individual or a brokerage registered under the Real Estate and Business Brokers Act 2002 (REBBA 2002)
b. Salesperson, Broker – individuals registered under REBBA 2002 who provides services to a consumer on behalf of a brokerage
c. Broker of Record – a broker that is designated as the person in charge of a brokerage
d. Representation Agreement – an agreement that outlines how a brokerage will represent a buyer or seller
e. Brokerage – the real estate company
f. SPIS – seller property information statement. A statement completed by a seller. It is not a mandatory form. Ask your salesperson or broker about this form.

2. HOW DO I KNOW IF I AM WORKING WITH A PERSON REGISTERED UNDER THE REBBA 2002?
Answer: Visit our website (www.reco.on.ca) where you may search for registrants.

3. MUST I SIGN A REPRESENTATION AGREEMENT WITH A BROKERAGE/SALESPERSON?
Answer: No. A brokerage (usually through their representative) is obligated to provide you with a written agreement outlining real estate services being provided, any fees, etc. that is signed by the brokerage and presented to you for acceptance and signature. You are not obligated to sign this agreement if you do not wish to. You may also ask the brokerage to make changes to the agreement before signing it.

4. DOES A BROKERAGE/SALESPERSON HAVE TO PROVIDE SERVICE TO ME?
Answer: No. Only if they have agreed to do so. A brokerage may choose not to provide service to you (i.e. show you homes).

5. IS THERE A MAXIMUM OR MINIMUM TIME FRAME FOR A WRITTEN REPRESENTATION AGREEMENT?
Answer: No. There is no minimum or maximum time frame; however, if the agreement is for more than six months in duration, the expiry date must be initialed.

6. CAN I LIMIT A REPRESENTATION AGREEMENT TO A PARTICULAR PROPERTY OR CITY?
Answer: Yes. A representation agreement can cover a particular property, a town, a city, or the province. You should ensure the agreement specifies what you agree to.

7. DO I GET A COPY OF AN AGREEMENT I SIGNED?
Answer: Yes. You must get a copy.

8. WHAT MUST BE INCLUDED IN AN AGREEMENT?
Answer: The start date, an expiry date, services to be performed, any promises, amount of commission/compensation, any other terms/services agreed to.

9. IS THERE A SET COMMISSION RATE/FLAT FEE?
Answer: No. Commissions are not set or fixed by any regulation. They can vary based on the services provided by the brokerage.

10. IS THE COMMISSION ALWAYS PAID BY THE SELLER?
Answer: No. Buyers should confirm the commission arrangements prior to entering into an offer on a property.

11. THE SALESPERSON HAS PROMISED TO DO CERTAIN THINGS FOR ME. WHAT DO I NEED TO DO?
Answer: Make sure any promise is in writing expressing your understanding of the promise.

12. I DON’T UNDERSTAND THE REPRESENTATION AGREEMENT HE OR SHE HAS ASKED ME TO SIGN. WHAT DO I DO?
Answer: If the brokerage representative cannot explain a term of the agreement to your satisfaction, do not sign it until you do understand it. You may want to contact the broker of record or a lawyer for clarification of any terms of the agreement.

13. IS THERE A “COOLING OFF” PERIOD TO CANCEL A REPRESENTATION AGREEMENT?
Answer: No

14. WHAT IS A CONFIRMATION OF REPRESENTATION?
Answer: It is a form that is signed before you sign an Agreement of Purchase and Sale(APS)/Offer that confirms which brokerage is representing the buyer and seller and what type of representation is (i.e. client, customer, no representation) being provided.

15. HOW MUCH SHOULD I GIVE AS A DEPOSIT?
Answer: There is no set amount, amounts vary by local custom.

16. WHAT IS THE PURPOSE OF THE DEPOSIT?
Answer: The deposit demonstrates the commitment of the buyer to the seller to complete the purchase.

17. WHERE DOES THE DEPOSIT GO?
Answer:
a. The deposit holder is identified on the first page of the APS and any deposit payment needs to be made to the holder named.
b. Deposits are traditionally held by the statutory Real Estate Trust Account of the seller’s brokerage.

18. ARE THE DEPOSIT MONIES INSURED?
Answer: If they are held in a brokerage’s Real Estate Trust Account the funds are insured under the RECO Deposit Insurance Program, up to $100,000 per claim.

19. DO I GET INTEREST ON THE DEPOSIT?
Answer: Interest, if any, must be stated in the APS.

19. IF MY APS DOES NOT COMPLETE DO I GET MY DEPOSIT BACK?
Answer: The return of a deposit would be by written mutual consent of the buyer(s) and seller(s) or by court order.

20. IF I DON’T REMOVE THE CONDITIONS, DO I GET MY DEPOSIT BACK?
Answer: See answer above.

21. DOES A SELLER HAVE TO MAKE ME A COUNTER OFFER/SIGN BACK?
Answer: No. Once an offer is presented to a seller they may do what they want, such as accept, decline, make a counter offer or do nothing.

22. DOES A SELLER HAVE TO GIVE ME AN OPPORTUNITY TO MAKE ANOTHER OFFER?
Answer: No. See above.

23. WHEN DO I GET MY COPY OF THE AGREEMENT OF PURCHASE AND SALE?
Answer: You must get a copy when all parties have signed the agreement.

(Source:Real Estate Council of Ontario)

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