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Your Listing Expired — So Why Do You Still Owe Commission? The Holdover Clause in an Ontario Listing AgreementBecause yo...
06/17/2026

Your Listing Expired — So Why Do You Still Owe Commission? The Holdover Clause in an Ontario Listing Agreement

Because your listing agreement contains a holdover clause. In Ontario, a listing agreement (the seller representation agreement) is a binding contract governed by TRESA (the Trust in Real Estate Services Act) and enforced by RECO (the Real Estate Council of Ontario). The standard OREA Form 200 spell...

Because your listing agreement contains a holdover clause. In Ontario, a listing agreement (the seller representation agreement) is a binding contract governed by TRESA (the Trust in Real Estate Services Act) and enforced by RECO (the Real Estate Council of Ontario). The standard OREA Form 200 spell

上市过期了还要付佣金？安省挂牌合同里的「保护期条款」（Holdover Clause）讲清楚因为你签的挂牌合同里有一条「保护期条款」（Holdover Clause）。安省的挂牌合同（卖方代理协议）受 TRESA（《房地产服务信任法》）约束...
06/17/2026

上市过期了还要付佣金？安省挂牌合同里的「保护期条款」（Holdover Clause）讲清楚

因为你签的挂牌合同里有一条「保护期条款」（Holdover Clause）。安省的挂牌合同（卖方代理协议）受 TRESA（《房地产服务信任法》）约束、由 RECO（安省房地产监管局）执行，标准 OREA Form 200 合同里写明：在上市期结束后的若干天内（这个天数叫「保护期」/Holdover Period），如果你把房子卖给了一个在上市期内「经任何途径被介绍给该房产、或被带看过该房产」的买家，你仍然要按原合同约定付佣金。保护期长度是可以协商的，市场上常见 60–90 天，但安省并没有法定上限。下面我把这条条款怎么运作、「促成原因」（procuring cause）是什么意思、换一家经纪重...

因为你签的挂牌合同里有一条「保护期条款」（Holdover Clause）。安省的挂牌合同（卖方代理协议）受 TRESA（《房地产服务信任法》）约束、由 RECO（安省房地产监管局）执行，标准 OREA Form 200 合同里写明：在上市期结束后的若干....

Buying a Leasehold / Land-Lease Home in Ontario: You Own the House, Not the Land — Where It’s Cheaper and Where It Bites...
06/17/2026

Buying a Leasehold / Land-Lease Home in Ontario: You Own the House, Not the Land — Where It’s Cheaper and Where It Bites

In plain terms: a land-lease property is one where you own the home itself (the house or unit) but only "rent" the land it sits on. You pay a monthly land-lease fee to the landowner — a community operator, a university, an Indigenous land authority — and the home is yours while the...

In plain terms: a land-lease property is one where you own the home itself (the house or unit) but only "rent" the land it sits on. You pay a monthly land-lease fee to the landowner — a community operator, a university, an Indigenous land authority — and the home is yours while the

在安省买「土地租赁」房：房子是你的、地不是你的，便宜在哪、坑在哪？简单说：土地租赁房是你拥有房子本身（house 或 unit），但只「租」脚下那块地的一种产权形式。你每月给土地业主（社区运营商、大学、原住民地权方等）交一笔「土地租金（la...
06/17/2026

在安省买「土地租赁」房：房子是你的、地不是你的，便宜在哪、坑在哪？

简单说：土地租赁房是你拥有房子本身（house 或 unit），但只「租」脚下那块地的一种产权形式。你每月给土地业主（社区运营商、大学、原住民地权方等）交一笔「土地租金（land lease fee）」，房子归你、地不归你。这和 freehold（独立屋那种连地一起拥有）最大的区别就在这块地的归属。它最常见于安省的「土地租赁社区（land lease communities）」——这类社区受《住宅租赁法》（Residential Tenancies Act, RTA）管辖（来源：WOWA.ca, 2025）——也出现在少数公寓、大学用地和原住民保留地项目上。好...

https://arthurzhao.realtor/2026/06/17/leasehold-land-lease-property-ontario-cn/?utm_source=facebook&utm_medium=jetpack_social

简单说：土地租赁房是你拥有房子本身（house 或 unit），但只「租」脚下那块地的一种产权形式。你每月给土地业主（社区运营商、大学、原住民地权方等）交一笔「土地租金（land lease fee）」，房子归你、地不归你。这和 freehol...

Mortgage Porting in Canada: How to Take Your Low Rate to a New Home Without the PenaltyIn most cases, yes — the move is ...
06/17/2026

Mortgage Porting in Canada: How to Take Your Low Rate to a New Home Without the Penalty

In most cases, yes — the move is called porting (mortgage portability). Porting transfers your existing mortgage's rate, remaining term, and balance to the new property you're buying. Because you aren't breaking the mortgage, it generally doesn't trigger a prepayment penalty. According to Canada's F...

In most cases, yes — the move is called porting (mortgage portability). Porting transfers your existing mortgage's rate, remaining term, and balance to the new property you're buying. Because you aren't breaking the mortgage, it generally doesn't trigger a prepayment penalty. According to Canada's...

搬家换房却舍不得低利率？加拿大「房贷转移」(porting) 怎么把旧利率带到新家多数情况下可以，这个动作叫「房贷转移」(porting / mortgage portability)。它指的是把你现有房贷的利率、剩余期限和余额，整体搬到你...
06/17/2026

搬家换房却舍不得低利率？加拿大「房贷转移」(porting) 怎么把旧利率带到新家

多数情况下可以，这个动作叫「房贷转移」(porting / mortgage portability)。它指的是把你现有房贷的利率、剩余期限和余额，整体搬到你新买的房子上——因为你并没有「break」(提前终止) 这笔房贷，所以通常不触发提前还款罚款 (prepayment penalty)。根据加拿大联邦消费者金融管理局 (FCAC / Canada.ca)，一旦你提前终止固定利率封闭式房贷，就要付以「三个月利息」或「利率差额 (IRD)」中较高者计算的罚款；而 porting 正是绕开这笔罚款的合法途径。但 porting 有三个硬性前提：必须是同一家贷款机构、要在该机构规定的时间窗内 (...

https://arthurzhao.realtor/2026/06/17/mortgage-porting-canada-explained-cn/?utm_source=facebook&utm_medium=jetpack_social

多数情况下可以，这个动作叫「房贷转移」(porting / mortgage portability)。它指的是把你现有房贷的利率、剩余期限和余额，整体搬到你新买的房子上——因为你并没有「break」(提前终止) 这笔房贷，所以通常不触发提前还款罚款 (pre...

Chattels vs. Fixtures in an Ontario Home Purchase: What Stays, What Goes, and How to Write the APSTwo questions decide i...
06/17/2026

Chattels vs. Fixtures in an Ontario Home Purchase: What Stays, What Goes, and How to Write the APS

Two questions decide it: first, is the item actually attached to the home, and second, is it written into the contract? According to the standard Ontario Agreement of Purchase and Sale (the OREA Form 100), fixtures — things attached to and forming part of the property, like built-in cabinetry, light...

Two questions decide it: first, is the item actually attached to the home, and second, is it written into the contract? According to the standard Ontario Agreement of Purchase and Sale (the OREA Form 100), fixtures — things attached to and forming part of the property, like built-in cabinetry, lig...

安省买房：固定物 vs 动产——什么留下、什么搬走，怎么写进合同不踩坑判断标准有两条：第一是「附着程度」——东西是不是真的固定在房子上；第二是「合同里写没写」。根据安省标准购房合同（OREA Agreement of Purchase an...
06/17/2026

安省买房：固定物 vs 动产——什么留下、什么搬走，怎么写进合同不踩坑

判断标准有两条：第一是「附着程度」——东西是不是真的固定在房子上；第二是「合同里写没写」。根据安省标准购房合同（OREA Agreement of Purchase and Sale，Form 100），固定物（fixtures，比如内嵌橱柜、灯具、中央空调）属于房子的一部分，除非合同里写明排除，否则默认留给买家；动产（chattels，比如冰箱、洗衣机、家具）是可移动的个人物品，只有在合同里逐项列明「包含」时才会留下。换句话说：固定物默认留下，动产默认搬走。再加上一个容易被忽略的「租赁设备」陷阱（热水炉、有时还有炉子或软水机）——这些既不是真正属于卖家的固定物，也不是赠送的动产，而是带着月租...

判断标准有两条：第一是「附着程度」——东西是不是真的固定在房子上；第二是「合同里写没写」。根据安省标准购房合同（OREA Agreement of Purchase and Sale，Form 100），固定物（fixtures，比如内嵌橱柜、灯具、中央空调）属于房子...

VIDEO: Here's how to 'rough it' within walking distance from your house.
06/17/2026

VIDEO: Here's how to 'rough it' within walking distance from your house.

Here are a few ideas for a memorable camping trip seconds from home… Cozy Accommodations ...

Mortgage Prepayment Penalties in Canada: What It Really Costs to Break Your Mortgage (3 Months’ Interest vs. IRD)It depe...
06/17/2026

Mortgage Prepayment Penalties in Canada: What It Really Costs to Break Your Mortgage (3 Months’ Interest vs. IRD)

It depends on whether your mortgage is "open" or "closed." According to the Financial Consumer Agency of Canada (FCAC), an open mortgage can usually be paid off at any time with no prepayment penalty, while most people hold a closed mortgage — and breaking that before the term ends means paying a pr...

It depends on whether your mortgage is "open" or "closed." According to the Financial Consumer Agency of Canada (FCAC), an open mortgage can usually be paid off at any time with no prepayment penalty, while most people hold a closed mortgage — and breaking that before the term ends means paying a ...

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