购房费用及一般日常开支

 

Typical One-time Expenses:
Mortgage application and appraisal fee
Property inspection (optional), due at time of inspection
Legal fees, due at the time of closing
Legal disbursements, due at the time of closing
Property survey (sometimes provided by seller), due at the time of closing
Land transfer, deed tax or property purchase tax, due at the time of closing.(in Quebec within three months following signing)
Mortgage interest adjustment (if applicable), due at the time of closing
Home and property insurance, at closing and ongoing
Moving expenses, due on the date of move
PST on High Ratio mortgages
Realty Tax Holdback
Typical Monthly Expenses:
Mortgage payments
Maintenance (this could be condominium fees, or allocated maintenance fees)
Property and content insurance
Property taxes
Utilities


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