Buying Process

1 看房 showing

首先您需要找一个可信赖的温哥华房地产经纪,针对自己的需求与预算,设定一个区域,了解整个大温哥华地区的各个城市。当您择订一个欲居住的城市后,再详细地了解该城市的各个区域,然后再依价位看看各个区域的优先顺序。您的地产经纪人会根据您提出的条件,为您挑出一些符合您需要的房屋,然后与各个房屋的卖方地产经纪人预约时间,带您去看房子。

2 出价 offer

当您满意您所看的房子,您可以请您的房地产经纪人下 offer 给卖方,OFFER 是BC省的标准房屋买卖合同,不同的买家在附件里注明各项购房条款。

  • 您愿意出的价钱;
  • 您购买房屋的条件和解除条件Subjects Removal日期 (惯例是卖方接受您的offer七天后);
  • 过户日期 Completion Date (不能是周末或是公众假期);
  • 交屋日期 Possession Date(买方接收房屋钥匙,可以正式入住的日期,这个日期可能会比完成交易的日期晚一天,以便卖方可以搬家并清洁房屋;
  • 调整日期 Adjustment Date(属于买方开始负担的税金或费用的起算日期;
  • 包含的物品Included item。买方先提出想在购买价中包括的房间内可移动的物品,比如冰箱、洗衣机、家具等等;
  • 订金金额 Deposit:订金将暂存在买方房地产经纪公司的信託帐户内。若该房屋交易成功,该订金即成为成交金额的一部份。一般定金是购买价的5%,不过可以取一个整数,在条件移除之日Subjects Removal的24个小时之内支付,订金也必须是银行本票 Bankdraft。

3 还价 Counter-offer

卖方可针对您的出价与条件对 offer 作修改;若您有接到卖方的 counter-offer,卖方修改了您出的价钱与条件,您可以接受,或依然可以再提出另一个价钱与条件。直到成交的金额与条件,双方都能接受,这份房产契约才算“准成交”。如果买方给出offer 被卖方全盘接受的话,合同就成立了。己接受的合同 Accepted offer中的条款和条件Term and Condition,如买方还保留了若干条件,这些条件如果在约定的期限内不能成就,买方还可以不执行合同且不承担任何责任。所以说这个期间是买方的反悔期。

4 银行贷款 Bank Mortgage

在加拿大,您可以先行寻找贷款银行。多问几家,寻找利率较低与还款条件较佳的银行。当您与银行敲定利率和条件后,这一个利率与条件会为您保留 90~120天(视各银行政策不同)。若在这一段期间利率降低,将适用新的低利率;若利率提高,则维持您所议定的利率。在这段保留期间内,您可以慢慢找房子。

5 验屋 Home Inspection

通常在买卖合同中,买方会约定自己有权自付费用对房屋进行核验。也就是说,如果经过核验,买方对房屋状况不满意,也属于合同约定的条件不能解除的情况。在加拿大验房师是个专门的职业,请验房师验房的费用大概几百元不等,时间需要大约2-5个小时左右。

6 解除条件 Subject Removal

您必须在条件移除日期前完成贷款和验屋(或其他列于条件移除中的项目)。当买方的所有条件都移除了,签了条件移除书,缴了订金,这份买卖契约才正式生效。

7 过户程序 Conveyancing

当您的条件解除、买卖契约成立后,您需请一个律师或公证员为您办理过户的手续。该律师或公证员会直接与您的贷款银行联系,交屋日期前您必须到律师或公证员处签署文件。此时,律师或公证员会列出所有的项目金额,待交屋过户日期当天,您的自备款(须先存入您的帐户,并提供授权给律师或公证员提领)与贷款将从银行转至律师或公证员的帐户,然后再转至卖方的律师帐户。

8 保险 Insurance

在合同约定的交易完成日之前,买方需联系保险公司为所购房屋购买保险。

9 接收房屋 Possession

在合同约定的交房日期,买方应按时前往新房接收房屋,通常这时房屋已经清洁干净,卖方的东西已经搬走,卖方经纪负责交钥匙,房屋设备使用最好也请卖方经纪演示一遍,还有就是房屋内设备的使用说明书,最好能清点一遍。

10 房屋产权证明 The state of title certificate

温哥华房屋没有像中国那样正式的房产证,在交易日后一到两个月内会收到一份书面文件,就是产权证明的复印件。

11 水、电、天然气过户 Water, Gas and Hydro

根据合同,卖方支付跟房屋有关的所有费用至交房日,之后均由买方承担,这些费用就包括水、电、天然气的费用,所以实际上卖方在搬走之前,已经办理了水、电、天然气的关户,买方接收房屋后,需要重新与电力公司和天然气公司联系开户,开户时可能还需支付一笔押金。水和排污是市政供应的,不需要办理开户,到时自动会有账单寄到房子的邮箱。

至此为止,与房屋买卖有关的手续全部办理完成了。

 

1 Home showing

First you need to find a trustworthy Vancouver realtor to choose an area within the Greater Vancouver area to suit your needs and budget. When you choose a city you want to live in, look at each area of ​​the city in more detail, and then look at the price priorities for each area. Your real estate agent will pick a houses that suit your needs based on your conditions and then schedule an appointment with the selling agents for the showing.

2 Make an offer

When you are satisfied with the house you are looking for, you can ask your realtor to offer the seller an OFFER, which is a standard purchase and sale contract in BC. Different buyers indicate the purchase terms in the attachment.

  • You are willing to pay the price;
  • The conditions of your purchase of the house Subjects Removal date (the usual practice is 7 days after the acceptance offer;
  • Completion Date (Cannot be on weekends or public holidays);
  • Possession Date (The date on which the buyer receives the house key, which is the official move-in date and usually be one day after the completion date.  So that the seller can move and clean the house;
  • Adjustment Date (The date which the buyer begins to bear the taxes or fees;
  • Included items, the buyer first proposes items that may want to be included in the purchase price, such as refrigerators, washing machines, furniture, etc .;
  • Deposit:  The deposit will be temporarily held in the trust account of the buyer's real estate brokerage firm. If the transaction is successful, the deposit becomes part of the transaction amount. The general deposit is 5% of the purchase price, but can be taken as an integer and paid within 24 hours after all the subjects being removed on Subjects Removal date. The deposit must also be a Bankdraft order from the bank.

3 Counter-offer

The seller may make changes to the offer according to your bidding and conditions. If you have received the counter-offer from the seller, the seller modified the price and terms you have given, and you can accept it or you can still ask for another price and condition. Until the amount and conditions of the deal, both parties can accept, the real estate contract is considered "prospective transactions." If the buyer gives the offer to be fully accepted by the seller, the contract is established. For an accepted contracts, if the buyer also retained a number of conditions, these conditions can not fulfill the agreed deadline, the buyer can also not perform the contract and does not assume any responsibility.

4 Mortgage

In Canada, you can shop around the bank loan first. Ask a few banks with lower interest rates and better repayment conditions. After you have finalized the interest rate and conditions with the bank, the interest rate and condition will be retained for 90 to 120 days (depending on the bank's policies). If the interest rates decrease during this period, the new low interest rates will apply, and if the interest rates rise, the rates you agree on will be maintained. During this period of reservation, you can slowly find a house.

5 House inspection

Home Inspection Usually in the sales contract, the buyer will agree that they have the right to inspect the house and find out the repair cost if any. In other words, if verified, the buyer's dissatisfaction with the housing situation, but also the contractual conditions can not be lifted. In Canada, a home inspector is a specialized occupation, Home inspection costs about a few hundred dollars, the time needs about 2-5 hours.

6 Release conditions Subject Removal

You must complete the loan and house inspection (or other items listed in the condition removal) before the condition removal date. When all the buyer's conditions have been removed, signed a conditional removal addendum, paid the deposit, the sale and purchase agreement came into effect.

7 Conveyancing

When your condition is removed and the sale and purchase agreement is firmed, you need a lawyer or notary to process the transfer for you. The solicitor or notary will contact your lender directly and you must go to a lawyer or notary to sign the documents before the date of the delivery. At this point, the solicitor or notary public will list all the project amount to be paid on the day of transfer of your home, your own money (to be credited to your account and to be authorized by a lawyer or notary) and the loan Transfer from bank to solicitor or notary's account before proceeding to the seller's solicitor account. .

8 Insurance

The buyer must contact the insurance company to purchase the insurance for the purchased house before the contract completion date

9 Possession

On possession date, the buyer should go to the new house on time to receive the house, usually when the house has been clean, the seller's things have been removed, the seller agent is responsible for the delivery of the key, and remember to ask the seller brokerage again for the appliance's manual;

10 The state of title certificate

Buyer should receive a written document so called the state of title certificate within one to two month after completion date, a copy of proof of ownership.

11 Water, electricity and natural gas transfer

According to the contract, the seller pays all the expenses related to the house to the delivery date and is then borne by the buyer, which includes the costs of water, electricity and natural gas. Therefore, before the seller actually removes the water, electricity and natural gas.  After the buyer receives the house, he needs to contact the electric power company and the natural gas company again to open an account, and may also need to pay a deposit when opening an account. Water and sewage are municipal supplies, do not need to open an account, when the bill will automatically be sent to the house's mailbox.

So far, all the formalities relating to the sale of houses have been completed.