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British Columbia Region Highlights
Top 28 grants and rebates for property buyers and owners
Source REBGV. Updated March 20, 2012
1 Home Buyers’Plan
Qualifying home buyers can withdraw up to $25,000 (couples can withdraw up to $50,000) from their RRSPs for a down payment. Home buyers who have repaid their RRSP may be eligible to use the program a second time. Canada Revenue Agency www.cra.gc.ca Enter ‘Home Buyers’ Plan’ in the search box. 1.800.959.8287
2 GST Rebate on New Homes
New home buyers can apply for a rebate of the federal portion of the HST (the 5% GST) if the purchase price is less than $350,000. The rebate is up to 36% of the GST to a maximum rebate of $6,300. There is a proportional GST rebate for new homes costing between $350,000 and $450,000. Canada Revenue Agency www.cra.gc.ca Enter ‘RC4028’ in the search box. 1.800.959.8287
3 BC New Housing Rebate (HST)
Buyers of new or substantially renovated homes priced up to $850,000 are eligible for a provincial enhanced New Housing Rebate of 71.43% of the provincial portions (7%) of the 12% HST paid to a maximum rebate of $42,500. Home priced at $850,000+ are eligible for a flat rebate of $42,500. www.hstinbc.ca 1.800.959.8287
4 BC New Housing Rebate (HST) for Secondary Vacation or Recreational Homes
Buyers of new or substantially renovated secondary or recreational homes outside the Greater Vancouver and Capital Regional Districts priced up to $850,000 are eligible for a provincial enhanced New Housing Rebate of 71.43% of the provincial portions (7%) of the 12% HST paid to a maximum rebate of $42,500. Home priced at $850,000+ are eligible for a flat rebate of $42,500. www.hstinbc.ca/buying_goods/buying_a_home/new_home_tax_calculator 1.800.959.8287
5 BC New Rental Housing Rebate (HST)
Landlords buying new or substantially renovated homes are eligible for a rebate of 71.43% of the provincial portion of the HST, up to $42,500.www.hstinbc.ca 1.800.959.8287
6 BC First-Time New Home Buyers’ Bonus
First-time new home buyers may be eligible a one-time grant equal to 5% of the purchase price of the home, or if you are building a home, 5% of the land and constriction costs, up to $10,000. The bonus is based on the net income of the home buyer. This program ends March 31,2013. www.sbr.gov.bc.ca/documents_library/notices/FTHB_Bonus.pdf 1.877.387.3332
7 BC Property Transfer Tax (PTT) First-Time Home Buyers’ Program
Qualifying first-time buyers may be exempt from paying the PTT of 1% on the first $200,000 and 2% on the remainder of the purchase price of a home priced up to $425,000. There is a proportional exemption for homes priced up to $450,000.BC Ministry of Small Business and Revenue www.sbr.gov.bc.ca/business/Property_Taxes/Property_Transfer_Tax/ptt.htm 250.387.0604
8 First-Time Home Buyers’ Tax Credit(HBTC)
This federal non-refundable income tax credit is for qualifying buyers of detached, attached, apartment condominiums, mobile homes or shares in a cooperative housing corporation. The calculation: multiply the lowest personal income tax rate for the year (15% in 2011) x $5,000. For the 2011 tax year, the maximum credit is $750. Canada Revenue Agency www.craarc.gc.ca/tx/ndvdls/tpcs/ncmtx/rtrn/cmpltng/ddctns/lns360-390/369/menu-eng.html 1.800.959.8281
9 BC Home Owner Grant
Reduces property taxes for home owners with an assessed value of up to $1,285,000. The basic grant gives home owners
• a maximum reduction of $570 in property taxes on principal residences in the Capital, Greater Vancouver and Fraser Valley regional districts;
• an additional grant of $770 to rural homeowners elsewhere in the province; and
• an additional grant of $275 to seniors aged 65+, those who are permanently disabled and war veterans of certain wars.
BC Ministry of Small Business and Revenue www.rev.gov.bc.ca/hog or contact your municipal tax office.
10 BC Property Tax Deferment Programs
Property Tax Deferment Program for Seniors.
Qualifying home owners aged 55+ may be eligible to defer property taxes.
Financial Hardship Property Tax Deferment Program.
Qualifyinglow-income home ownersmay be eligible to defer propertytaxes.
Property Tax Deferment Program for Families with Children.
Qualifying low incomehome owners who financially supportchildren under age 18 may beeligible to defer property taxes. BC Ministry of Small Business and Revenue www.sbr.gov.bc.ca/individuals/Property_Taxes/Property_Tax_Deferment/ptd.htm
11 Canada Mortgage and Housing(CMHC) Residential Rehabilitation Assistance Program (RRAP) Grants. Thisfederal program provides financialaid to qualifying low-incomehome owners to repair substandardhousing. Eligible repairs includeheating, structural, electrical,plumbing and fire safety. Grantsare available for seniors, personswith disabilities, owners of rentalproperties and owners creatingsecondary and garden suites.www.cmhc-schl.gc.ca/en/co/prfinas/prfinas_001.cfm 1.800.668.2642 | 604.873.7408
12 Home Adaptations for Independence(HAFI)
A new program jointly sponsored by the provincial and federal governments provides up to $20,000 to help eligible low-income seniors and disabled home owners and landlords to finance modifications to their homes to make then accessible and safer. BC Housing www.bchousing.org/Options/Home_Renovations 604.646.7055 or toll-free:1.800.407.7757 extension 7055
13 CMHC Mortgage Loan Insurance Premium Refund
Provides home buyers with CMHC mortgage insurance, a 10% premium refund and possible extended amortization without surcharge when buyers purchase an energy efficient mortgage or make energy saving renovations. www.cmhc.ca/en/co/moloin/moloin_008.cfm#reno 604.731.5733
14 Energy Saving Mortgages
Financial institutions offer a range of mortgages to home buyers and owners who make their homes more energy efficient. For example, home owners who have a home energy audit within 90 days of receiving an RBC Energy Saver™ Mortgage, may qualify for a rebate of $300 to their RBC account. www.rbcroyalbank.com/products/mortgages/energy-saver-mortgage.html
15 Low Interest Renovation Loans
Financial institutions offer ‘green’ loans for home owners making energy efficient upgrades. Vancity’s Bright Ideas personal loan offers home owners up to $20,000 at prime + 1% for up to 10 years for ‘green’ renovations. RBC’s Energy Saver loan offers 1% off the interest rate for a fixed rate installment loan over $5,000 or a $100 renovation on a home energy audit on a fixed rate installment loan over $5,000. For information visit your financial institution. www.vancity.com/Loans/BrightIdeas and www.rbcroyalbank.com/products/personalloans/energy-saver-loan.html
16 LiveSmart BC:Efficiency Incentive Program
Home owners improving the energy efficiency of their homes may qualify for cash incentives through this provincial program provided in partnership with FortisBC,BC Hydro, and FortisBC. Rebates are for energy efficient products which replace gas and oil furnaces, pumps, water heaters, wood stoves, insulation, windows, doors, skylights and more. The LiveSmart BC program also covers $150 of the cost of a home energy assessment, directly to the service provider. www.livesmartbc.ca/rebates
17 BC Residential Energy Credit
Home owners and residential landlords buying heating, heating fuel receive a BC government point-of-sale rebate on utility bills equal to the provincial component of the HST. www.sbr.gov.bc.ca/business/consumer_taxes/residential_energy/residential_energy.htm
18 BC Hydro Appliance Rebates
Mail-in rebates for purchasers of ENERGY STAR clothes washers, refrigerators, dishwashers, or freezers.
19 BC Hydro Fridge Buy-Back Program
This ongoing program rebates BC Hydro customers $30 to turn in spare fridges in working condition. www.bchydro.com/rebates_savings/fridge_buy_back.html
20 BC Hydro Windows Rebate Program
Pay no HST when you buy ENERGY STAR highperformance windows and doors.
604.759.2759 for a free in-home estimate.
21 BC Hydro Mail-in Rebates/Savings Coupons
To save energy, BC Hydro offers rebates including 10% off an ENERGY STAR cordless phone. Check for new offers and for deadlines. www.bchydro.com/rebates_savings/coupons.html
22 FortisBC Rebate Program
A range of rebates for home owners include a $50 rebate for upgrading a hot water tank, $300 rebate on an Ener-Choice fireplace and a $1,000 rebate for switching to natural gas (from oil or propane) and installing an ENERGY STAR heating system.
23 FortisBC Efficient Boiler Program
For commercial buildings, provides a cash rebate of up to 75% of the purchase price of an energy efficient boiler, for new construction or retrofits. www.fortisbc.com/NaturalGas/Business/Offers/Pages/default.aspx
24 City of Vancouver Rain Barrel Subsidy Program
The City of Vancouver provides a subsidy of 50% of the cost of a rain barrel for Vancouver residents. With the subsidy, the rain barrel costs $75. Buy your rain barrel at the Transfer Station at 377 W. North Kent Ave., Vancouver, BC. Limit of two per resident. Bring proof of residency. http://vancouver.ca/engsvcs/watersewers/water/conservation/programs/rainbarrel.htm
604.736.2250 Other municipalities have similar offers.
25 City of Vancouver Greenest City 2020 Pilot Home Energy Loan Program
The City of Vancouver in cooperation with Vancity, FortisBC, BC Hydro and Natural Resources Canada offers access to loans for energy retrofits including heating systems, insulation and air sealing. The Home Energy Loan from Vancity is a 12 month pilot program that will end October 21, 2012. For more information attend a workshop (see third link below). The goal is 500 homes and loans are offered at 4.5% fixed rate over 10 years. The program also helps with accessing grants from the federal ecoENERGY program, the provincial LiveSmart BC program and FortisBC. www.vancouver.ca/energyloan and www.vancity.com/Loans/homeenergy and http://energyloan.eventbrite.com Email: [email protected]
26 Vancity Green Building Grant
In partnership with the Real Estate Foundation of BC, Vancity provides grants up to $50,000 each to qualifying charities, not-for-profit organizations and co-operatives for projects which focus on building renovations/retrofits, regulatory changes that advance green building development, and education to increase the use of practical green building strategies. The deadline for applications was January 23, 2012. If you are still interested in this grant open the link, and consider contacting Vancity to express your interest. www.vancity.com/MyCommunity/NotForProfit/Grants/ActingOnClimateChange/GreenBuildingGrant
27 Local Government Water Conservation Incentives
Your municipality may provide grants and incentives to residents to help save water. For example, the City of Coquitlam offers residents a $100 rebate and the City of North Vancouver, District of North Vancouver, and District of West Vancouver offer a $50 rebate when residents install a low-flush toilet. Visit your municipality’s website and enter ‘toilet rebate’ to see if there is a program.
28 Local Government Water Meter Programs
Your municipality may provide a program for voluntary water metering, so that you pay only for the amount of water that you use. Delta, Richmond and Surrey have programs and other municipalities may soon follow. Visit your municipality’s website and enter ‘water meter’ to find out if there is a program.
- 了解一套房子的大约价值，平时并不经常参与房屋买卖谈判的客户，除非天生就是谈判的天才，要不你怎么判断对方的心态，怎么知道当地谈判的特有规则。或者说谈判要有谈判语言的，并不是只是英文好就行了的， 否则加拿大本地人就不需要请经纪人协助买卖房子了。
每一个行业、每一种交易都有相应的行规或惯例。经纪人的责任就是，既不能让自己的客人吃亏，也不能让不了解常规的客人提出不切实际的要求。如果说，一个合格的地产经纪用三分之一的努力帮客户寻找房子或出售房子，并达成协议。 再用三分之一的努力去保障协议的顺利实现。 最后三分之一的努力就是实现在满意的售后服务及人脉关系。这才是地产经纪应该提供给客人的价值。地产经纪应以”HELP” (Honesty诚信，Experience经验， Liability责任，Professional专业)为标杆来提供应有的服务！
MLS(Multiple Listing Service): 是由加拿大地产业协会管理的、各省地产业协会支持的地产业专用数据库。不仅提供现今上市的地产信息，并有每处地产多年来的历次销售记录、政府估价等资料。美国也有同名的数据库。实际上，因为INTERNET的普及。公众可以通过MLS网站查找上市地产广告，所以MLS的覆盖面是全球性的。
第五步：买主提议并出价购买，买方经纪协助起草合同(CONTRACT OF PURCHASE AND SALE)。卖主可以接受买主的出价及条款，也可以还价并在合同中加上其他保护自己利益的条款。双方彼此还价及谈判后达到共同满意的价钱和条款，签署的合同在法律上开始有对双方的约束效应。
第八步：COMPLETION DATE 所有必要的款额从买方或卖方及其贷款银行转出，按已有合同和服务收费约定分至卖方及其原贷款银行、政府机关、双方经纪、卖方律师等。旧按揭(mortgage)从产权(LAND TITLE)上取消。产权正式转至买方名下，新按揭(mortgage)注册于产权上。地税等项目需要以ADJUSTMENT DATE 为分界分别承担，多退少补。买主应注意提前购买房产的地震、火灾等保险。因为在法律上，所有风险都从这个日子开始转成新房主的责任了。
第九步：买方经纪从卖方取得钥匙，在POSSESSION DATE当日交给新房主。卖方应在POSSESSION DATE 之前搬出，以便买主能够在POSSESSION DATE当日搬入。新房主检阅房产。
This meticulously renovated executive home features 18' grand foyer, formal dining room with coffered ceiling, kitchen with maple hardwood cabinets and granite countertops and Thermador S/S stove, main floor features solid walnut hardwood f looring, beautiful Crown Mouldings and designer paint. Master bedroom accommodates huge 5 piece ensuite with steam shower, double Jacuzzi and walkout balcony. Recreation room, Media room, Wine room downstairs for indoor family casual time, outdoor stone landscaped backyard, cultured stone BBQ and Salt water Pool offer the best place for & entertaining your private guests. Top-notch facilities including tankless water heater,built-in loudspeaker and timer control light system.Offer accepted.
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