2017年9月29日 516 3？ ST NW， C4119131。在前后出了两次offer之后，最后成功帮助买家购买了一套infill排屋。 

买家是我的老客户了，几年以后决定卖掉原来购买的4plex，购买一套不再交管理费的独立屋。但是infill的独栋房子太贵了，所以我们只能购买duplex。 

买家很卖力选看房源，一有合适的我们就出去看，原本我们只看Parkdale、Hillhurst的房子，后来我们也看过Capital Hill的几套房子。我们给Hillhurst的一套带walkout的房子出了offer，也pending了。但是很遗憾，买家就是对那套房子没有感觉，尽管作为经纪人，那套房子因为地段、房型的原因性价比是我最希望他们家购买的。但是，买家就是不心动。 

最后，买家家庭成员中2：3的比率，决定出给这套房子offer了。我因为从事房地产销售10多年了，擅长谈判、洞察心态，所以从86万砍到81万，一套街上的排屋短期都卖到90万以上。谁叫是买家市场呢，要砍到骨子里头，开发商建完的房子不卖怎么办？天天持有，卖家能撑多久？？总之，价格砍得挺好的，买家还满意。结果房检后，我们有些地方需要开发商修复了。依据new home warranty，买家100%肯定可以跟进卖家/开发商，但是买家希望交房前就要修好，同时我加进holdback。可是，卖家不同意任何holdback。双方坚持不下，房子第一次没有买成，我们给卖家发送了non-waiver。 

后来，因为买家家人对比来对比去，还是更喜欢这套房子，我们又再次催促开发商跟进维修事项。同时，买家家人不想搬进以后有任何跟进事项，我们有要求卖家必须在交房之前安装完毕原来同意的dryer、washer。总之，最后在交房之前卖家把全部事项都修复好了，买家又再次聘请房检人员回来复查，我的买家才满意的解除了我加进合同中的买家特殊条件。 

谢谢，Alan！ 

15.24 x 41 metres (50 x 134.5 feet) R-C2 lot for developer, 3 suites in this large bungalow for investor, rental is $3000/month right now, was $3450/month beofre - two on the main floor and one down - all with private access. Though they are not legal, the property is zoned R-C2 and they have been constantly rented for a very long time. Newer roof, furnace & hot water tank were installed in 2016. 50 x 134.5 feet lots in Hillhurst are becoming increasingly rare - not too many of them left. At some point this lot will be redeveloped and until then it could lived in or rented out. Steps to the shops and cafes of Kensington. Minutes to elementary, junior high, senior high schools, SAIT and ACAD. 9 minutes by bus to the UofC. Walk or bike downtown along the Bow River walking/cycle paths. Great inner city location close to everything.

并非所有中国买家都是一样的，他们来自中国各地，不同地区的购房偏好和需求各不相同。

然而，在海外投资时，他们普遍关注类似的问题——在我们的居外信息图中，我们总结了他们在购房前通常考量的十大标准。"

卡尔加里房地产的现状

价格和去年差不多，但是十月有所停滞

十月份的房地产市场状况几乎效仿上个月的趋势，成交比较缓慢，库存可售房源增加，迫使未来价格往下调。和上个月一样，成交量不足以迫使价格像年初那样逆势而行。

成交量总计为1,467单元，库存可售房源增加到总计6,463 单元，平均在市场上的月份数是4.4个月份。过去几个月以来库存供给和需求相比较，供给房源持续增加，导致价格上涨备受阻力。10月末市场基准价几乎没怎么变动，$438,900, 比；9月份微调低 0.6%，和去年没什么区别。  

"尽管2017年经济有所改善，但是反映到房地产市场上还是需要时间的。虽然就业机会增加，但是绝大部分都是传统的低收入工种，" CREB® 房地产局首席经济学家Ann-Marie Lurie说到。 

"我们同时持续面临新增移民人口减弱、高贷款利率、贷款政策紧缩等等挑战，这些不利因素加起来就影响着消费者对房地产市场的需求，延缓了市场复苏的步伐。" 

同时卡尔加里范围内几乎大部分区域各个二手房产品库存都增加，最明显的是有些区域内有大幅新建房屋增加。（你看这里说的，指得到底是啥？边缘的新房子，还是老城区的infill翻建房源。这可是不能含含糊糊的。）

独立屋产品段，挂牌增加最多的是30-50万的房屋。这部分房源占了独立屋总体在售房源的42%（这可不妙，供给太多，卖不出价）。总体而言，62%的在售房源价格低于50万。

"现在市场上低价位的房源供给量可以前些年多多了," CREB® 房地产局主席David P. Brown提到。"这对于买家来说是好事，有更多的房源选择，尤其是那些担心贷款政策不断调整会影响到购买力的买家们。" 

整个月份价格调整最大的是公管公寓产品段，比前一个月份低了0.8%，比2014年高峰月份低了13 %。

尽管价格近期有所调整，但是连体房、独立屋的价格和去年相比还是比较稳定的。更多细节，请点击下面的链接。

卡尔加里市报告

周边城镇报告

Avenue worked with Leger to crunch the numbers. These are the top 10 neighbourhoods in Calgary in 2017 based on those survey results.

                                                                      BY SHELLEY ARNUSCH, ANDREW GUILBERT AND KARIN OLAFSON

Each year since 2010, Avenue has worked with Leger, a research and marketing
company, to run a survey that gets to the heart of the question: What are Calgary’s
best neighbourhoods to live in? 

Rather than simply voting for their favourite neighbourhood, survey respondents consider
various characteristics and tell us which ones are most important when they think about a
good neighbourhood. Are parks and pathways preferable to bars and boutiques, for example? Is it more important to have access to major roads than access to schools? Is proximity to a public
library preferable to proximity to a movie theatre? 

Each year we tweak the survey for clarity and to respond to the previous year’s results,
eliminating characteristics that were deemed unimportant to most and trying new questions.
We also update the quantitative data that Leger uses to compare each neighbourhood once
we know how important each characteristic is. 

This year, we did a total data overhaul and that caused a few exciting changes in the results. 

With the launch of the City of Calgary’s Open Data Portal in late 2016, we had access to more
detailed and more accurate information than ever before. What changed the most this year
was how we counted parks. Previously, we simply counted how many green spaces were in
each neighbourhood. Using the City’s open data, we could include information on the actual
amount of park space — the more hectares a park is, the more points we allocated to it.
This change caused some big movements in the rankings. Varsity moved from 47th overall
in 2016 to first and Edgemont moved from 70th in 2016 to third. 

In many other ways, the results are similar to what we have found in the past. This year,
Calgarians’ top-five most important neighbourhood characteristics were access to parks and
pathways, low crime, walkability, access to restaurants, cafés and pubs, and high community
engagement. In 2016, parks and pathways, low crime and access to restaurants were also
among the top five. 

It’s important to note that the best neighbourhoods in Calgary, as determined by this survey,
aren’t necessarily going to be the best for every Calgarian in the city. Different people value
— and need — different things. Fortunately, each neighbourhood offers something that makes
 it the best to someone and there is a neighbourhood that offers the best for each of us. —K.O.  

1. Varsity

This year’s overall Best Neighbourhood sits in that sweet spot where you get all the best
parts of being both old and new. Seniors aging in place in modest bungalows share calm
streets lined with mature trees with energetic young families in new builds, creating a
nice, welcoming mix.

The neighbourhood also occupies a sweet spot in terms of getting around. Located just west
of the University of Calgary, residents get the benefit of both a reasonable commute to
downtown (either by vehicle or via the C-Train from the Brentwood and Dalhousie stations
on Varsity’s eastern edge) and an easy escape to the Rockies.

The banks of the Bow River beckon to the south, while Market Mall provides a convenient
hub of shopping amenities within the community, everything from fun and frivolous boutiques
to a full-sized Safeway grocery store.

Varsity’s streets and pathways are conducive to walking around, yet the neighbourhood’s
expansiveness means you never feel fenced-in — even the actual fenced-in residential lots
are spacious and comfortable-feeling. Plentiful park space and recreation facilities, including
the scenic Silver Springs Golf and Country Clubon the banks of the Bow, encourage active
living in residents of all ages.

It’s a neighbourhood with a view, a river on one side and the C-Train on the other, wide-open
sunny spaces and mature, shade-giving trees. It perfectly encapsulates what expat Calgarians
dream about when they think about home, and it’s why Varsity deservedly owns the sporting
chant of “we’re number one!” —S.A.

ROOM TO IMPROVEWhile it’s hard to find fault with Varsity, advocates for urban density would identify the 
relatively low number of people per square kilometre (1,855) as potential grounds for 
improvement. The proximity to the university and the neighbourhood’s conduciveness 
to a car-free lifestyle would make Varsity a prime candidate for secondary suites; however, 
as of January 2017 there were no approved secondary suites registered in the community.

2. Beltline
The vibrant area south of the downtown core known as the Beltline is chock full of great 
restaurants, cool cocktail bars, packed pubs, bumpin’ nightclubs, boutiques and bookstores, 
coffeehouses, yoga studios, boxing studios and anything else a connected Calgarian would 
be tuned into. Tucked into the mix are charming urban parks and green spaces to chill out in,
heritage monuments like the Memorial Park Library and Lougheed House to explore and 
admire, a handful of hip hotels and a variety of options for residents to do their grocery 
shopping and run drugstore errands. Plus, you can get your bike fixed, get your skis tuned 
and get yourself a nice bottle of wine, all within a few buzzing blocks. Sure, living in the heart 
of the action isn’t going to be everyone’s cup of tea, but for the many Calgarians seeking a 
vibrant scene (not to mention an easy walk, bike or skateboard ride to work), the Beltline 
brings it. —S.A.

ROOM TO IMPROVE

It should come as a surprise to no one that a highly populated area with an active nightlife that
draws crowds from outside the community will have problems with crime. The Beltline’s rate of
439 crimes per capita is this inner-city neighbourhood’s Achilles heel, putting it leagues above
the 65 crimes per capita of top-ranked Varsity. 

3. Edgemont

Nose Hill Park, the expansive prairie-grassland preserve in the city’s northwest, is a huge
asset (literally) to the neighbourhoods nestled around its borders. It’s one of the key reasons
why Edgemont, which tucks up against Nose Hill Park to the west, edged up into the top five
this year. 

But Edgemont has more going for it than just its proximity to this favoured destination of
cyclists, runners and owners of energetic dogs. The community association’s membership
count of 780 exceeds that of top-ranked neighbourhood Varsity, and Edgemont also scores
high in the area of community-supported projects. These, and other indicators of healthy
community involvement, could be due to the fact that the neighbourhood is comprised primarily
of single-family homes, with the majority of dwellings (86 per cent) occupied by the homeowners.
That pride of ownership, in both home and community, is likely one of the reasons Edgemont
can also claim a reassuringly low crime rate, well below any of its fellow top-five. —S.A.

ROOM TO IMPROVE

Easy access to arteries such as John Laurie Boulevard and Shaganappi Trail is a boon for
car commuters, but outside of that, the picture gets bleak. With strikingly low scores in both
walkability and transit access, just over two per cent of Edgemont residents walk or bike to
work. 

4. Brentwood

Brentwood is a perennial strong finisher in the Best Neighbourhoods survey, which makes
sense since it has many similar attributes to this year’s number-one, Varsity. Brentwood sits
just across Crowchild Trail to the north of Varsity, positioning it to be walkable to the University
of Calgary and just a zip of a commute downtown, either by car or C-Train from Brentwood
station. Residents include a mix of old-timers and young families and everyone in between,
with a vibrant university-student population, as well. 

A wealth of shopping amenities includes four grocery stores. There are also several community-
fostering organizations within the neighbourhood, including a Calgary Public Library branch,
a community garden and the well-used Brentwood Sportsplex, which is a hub for everything
from figure-skating and hockey programs to Scrabble and bridge groups. All contribute to the
sense that this is a neighbourhood that’s friendly, fun and comfortable in its skin. —S.A.

ROOM TO IMPROVE

From the outside, Brentwood seems like the ideal community for aging in place; however, the
lack of any nursing-home facilities means that long-time residents who might require this kind
of care in their twilight years are forced to uproot. 

5. Signal Hill

The west-end neighbourhood of Signal Hill is easily identified by the striking geoglyphs on the
hillside at Battalion Park. The large-scale installation of whitewashed stones placed to create
groupings of numbers serves as a memorial to the Albertan soldiers who fought in the First
World War in battalions 137, 113, 151 and 51. This unique fusion of heritage and public art sets
Signal Hill apart — as does the exceptional shopping at the base of the hill. Westhills Shopping ]
Centre is practically a neighbourhood in its own right, with everything from a Real Canadian Superstore
(with liquor store and gas bar) to a Cineplex Odeon multiplex. Among the vast array of retail
options is arguably the city’s best Winners store, which contains a trove of high-end designer
items at double-take prices. 

Bordered to the south by Highway 8, Signal Hill is also well positioned for getting out to the
mountains, whether for biking in Bragg Creek in the summer or skiing at Nakiska in the winter.
For these reasons, and more, it can proudly claim its spot in the top five. —S.A.

ROOM TO IMPROVE

While Signal Hill has an admirable number of registered community members, the
neighbourhood lacks a community centre, which hinders its community engagement.

6. Huntington Hills

Nestled between Nose Hill Park and Deerfoot Trail, Huntington Hills scored among the top
Calgary neighbourhoods for playgrounds, access to libraries and parks and pathways. It also
ranked among the top 15 for recreation facilities, schools and grocery stores. Between its
community centre and sportsplex — which offers a number of recreational programs such as
curling, soccer and ringette — and its skateboard park, there’s always something happening
in the Hills. —A.G.

7. Bridgeland/Riverside

As the home to great restaurants such as Shiki Menya, Tazza and Blue Star Dinner,
Bridgeland/Riverside has people talking (often with their mouths full). A wealth of amenities —
including grocery and drug stores — as well as proximity to downtown make this inner-city
community very walkable, and more than 20 per cent of commuters here opt to bike or walk
to work. –A.G.

8. Arbour Lake

At the crossroads of Stoney Trail and Crowchild Trail, this northwest community is well
situated for getting around the city and getting out to the mountains. But it’s what’s inside this
neighbourhood that really counts, particularly the residents’ association members-only beach
around the community’s eponymous lake. Not surprisingly, Arbour Lake also benefits from a
high community-engagement score. —A.G.

9. Downtown Commercial Core

High walkability and easy access to public transit make living in the Downtown Commercial
Core carefree for the car-free set. This urban area also brings an abundance of shops and
restaurants to the table, as well as the theatrical and musical happenings at Arts Commons
and the summer fountain-turned-winter skating rink at Olympic Plaza. —A.G.

10. Crescent Heights

Straddling Centre Street, just north of the Bow River, Crescent Heights benefits from being
close to downtown, with the walkability and transit access that affords. A variety of amenities
and good community engagement also helped this ’hood rise in the rankings. It’s also home
to McHugh Bluff Park, which offers one of the most picturesque views of the city’s skyline.
—A.G.

自2010年以来AVENUE杂志就和Leger一起协办评选卡尔加里的最佳居住社区。2017年的社区名单是

1,  Varsity

2, Beltline

3, Edgemont

4, Brentwood

5, Signal Hill

6, Huntington Hills

7, Bridgeland/Riverside

8, Arbour Lake

9, Downtown Commercial Core

10, Crescent Heights

总体来说都是市中心往北的人投票去了:):)。也有西南的从Signal Hill参与的投票人，东南的人全都不上电脑，去小区湖里玩了。东北的人干脆都去新移民协助站了、或者去Temple礼拜了:):)。

具体调查信息链接如下：
Calgary Top 10 Neighbourhoods

Both Calgary and Edmonton saw strong year-over-year increases in total dollar value of commercial property sales during the first half of 2017 as a result of the ongoing stabilization of the oil sector. In contrast, total dollar value of commercial real estate sales in Greater Vancouver declined by 37.5 per cent during the second quarter, indicating a return to market activity levels seen prior to 2016, which was a year of record-setting activity. Winnipeg’s commercial market remained strong with high demand across almost all property types, while Regina and Saskatoon slowed due to the ongoing downturn in the commodity sector.

With the worst of Alberta’s recession appearing to be over, the province’s two largest markets have seen strong commercial property investment in 2017. The total dollar value of commercial real estate sales in Calgary in the first half of the year was $1.43 billion, an increase of 55 per cent over the $932 million total in the first half of 2016. Alberta’s capital city also saw significant year-over-year growth in total sales value for commercial properties of 39 per cent, topping $1 billion at the mid-year point for the first time in three years.

In contrast to growth in Alberta, Greater Vancouver’s commercial property market slowed during the first half of 2017 after significant total dollar value and activity increases during the same period in 2016. There were 595 commercial property sales in the second quarter of 2017, compared with 875 sales during the same period last year. The slowdown in activity is due to a lack of supply across the market, limiting opportunities for investors. New development projects around the waterfront and BC Place are anticipated to alleviate some of the pent-up demand in Greater Vancouver in the coming years. Demand continues to be primarily driven by local investors, but there is also strong interest from offshore buyers from Europe, Asia and the United States.

 Virtually all commercial property types in Winnipeg are in high demand and investors view properties with passive income streams as most desirable. Continued low interest rates have fueled demand, and recent rate hikes from the Bank of Canada are unlikely to slow activity in the market as rates remain relatively low. Overall, the outlook for Winnipeg’s commercial property market for the remainder of 2017 and 2018 is positive, with strong anticipated demand moving forward.

Similarly, there is optimism in Regina and Saskatoon’s commercial markets despite slowed activity in 2017 due to the prolonged effects of the downturn of Saskatchewan’s resource sector. The positive outlook for 2018 is fueled by the stabilization of the oil sector and the potash industry showing signs of growth over the last few months combined with a variety of development projects currently underway in both cities.

I am going to show buyer one listing with asking price in between 1-1.5M today. I am not so sure about if it is the right decision to choose that community in order to keep the value of the house. At least that community would be one of my primary choices. So I look through sold properties info, her you go. Which communities did home owners bought for 1-1.5M in 2017? I chose communities with at least 5 sold properties.

enjoy a well kept 2 bedroom 2 bathroom unit in college gardens. this apartment features a large balcony with mountain views one of the rare balconies to have 2 sides enclosed.the unit is in move in condition and features a large living and dining areas. kitchen features a large amount of counter space with slide out drawers in cabinetry.there is a separate laundry room and storage room in unit. all appliances including fridge stove dishwasher microwave washer and dryer plus all window coverings and white storage cabinet in bathroom. walk to MOUNT ROYAL UNIVERSITY

生活在加拿大的朋友都知道，过了劳动节的长周末，就算是秋天了。加拿大的秋天通常都很短暂，但这正是我们房屋最需要保养，也最适合保养的时节。因为一旦错失了这个机会，一个漫长而寒冷的冬季会让房屋修缮变得更加困难。而且即便是为了保证自己和家人的安全，我们也建议屋主们能在秋天多抽些时间出来，赶在冬季到来之前，好好检查一下屋子里的电力和供热系统。同时因为冬季的风雪天气可能相当恶劣，大家也一定要检查一下，室外的布置是否安全。

那就让我们来看一下在秋天修缮房屋需要做哪些工作。希望这些建议，能让大家度过一个温暖而舒心的冬季。

1、修剪树枝和灌木

这是很多朋友都会忽略的一个问题，但如果你询问专业的房屋养护人员，那他们一定会告诉你，“在秋天，如果屋主想要养护房屋，那么他/她最重要的工作就是修剪树枝。”因为冬天可能会有严重的暴风或暴雪天气。如果您的庭院里栽种着树木，却没有注意养护，那么在遭遇极端天气时，很可能会发生危险事故。如果您庭院里的树木十分茂盛，或者十分高大，个人建议可以在冬天到来前，聘请专业的园艺工人来处理。他们可以及早发现树木可能存在的问题，并且知道如何适当的修剪树枝，以防危险。

除了要应对严冬可能造成的麻烦，秋天修剪树木还有着另一个好处——它有利于保护树木。因为在秋天，多数植物都处于休眠状态，它们生长缓慢，也不太容易发生疾病。如果某株树木已经发现有疾病，或者需要特别预防某一类疾病，则需要在秋天注射一些药剂。当然，由于植物在秋天的生长会很缓慢，秋天栽种的树木，树根往往很难长成。所以不建议在秋天栽种新树。

出于保护树木的需要，秋天也很适合观察树木的生长和健康情况。树叶颜色的变化时间提前，大量叶子形状异常，或者出现大量的枯枝，这些都有可能是植物发生病变的征兆。当然，我们普通人很难充分了解每一种植物的特征。因此必要时，屋主们依然可以考虑聘请专业人士来帮助检查。这不仅是为了养护树木和房屋，更是为了保证自己与家人的安全。

2、清扫落叶

秋天到了，满地金黄的落叶可能会显得很漂亮。但是在冬天，如果雪地里积存了太多的落叶没有清理，那么来年春天，植物生长会受到很严重的影响。所以，趁着秋季，天气还算不错的时候赶紧把这些落叶清理掉，而且越快越好。等到冬天后院被雪盖上了，那就来不及了。

3、清理排水沟和落水管

有过房屋养护经验的朋友都知道，清理排水沟和落水管可不是一件轻松的活。但在每年秋天，这又是一件必不可少的事。如果排水系统养护不当，那么一旦遭遇暴风雪天气，就很有可能造成排水沟的堵塞，并且还会损坏屋顶或房屋的侧壁。所以趁着秋天，一定得好好检查，千万不要怕麻烦，否则后果可能会麻烦得多。

4、修缮室外设施

在你的房子周围走走，仔细检查一下屋顶、侧壁，还有地基，看看有没有什么损坏的迹象。如果你发现任何需要修理的东西，那么最好在冬天来临之前把它们修好。

5、堵上房屋的缝隙，别让动物们进来

在加拿大，很多聪明又可爱的小动物总会让屋主们又爱又恨。每当寒冬到来，像浣熊，松鼠，这些小动物总会试着找些温暖的地方过冬。这个时候一定要把屋子的缝隙堵上，不然放了这些喧宾夺主的小动物进来可不是闹着玩的。另外，一些看似细小的缝隙也不能漏掉，不然像老鼠这样的动物就会趁虚而入。

6、检查人行道、栏杆、台阶，以及车道等等

为了自己和家人的安全，一定仔细检查这些设施，尤其是在冬天来临之际。一旦室外被冰雪覆盖，仅仅从门口走到车道都可能变得无比艰难。所以一定要记得检查路面是否平整，扶手又是否结实。否则一旦在冰雪里滑倒，那可不是闹着玩的。

另外，住在独立屋的朋友们请记得，冬天一定要铲雪啊。相信每一位住在加拿大的朋友对冬天铲雪的艰辛一定体会都很深。检查这些设施完好，其实也能让铲雪工作变得更安全，也更容易。

7、储备冬日必需品

每年冬天，到了大雪封路的时候谁都不愿意出门。可是有些活又不得不干，所以大家趁着秋天赶紧做好准备吧。比如，冬天我们得铲雪，那么我们就得在秋天看看雪铲和冰铲是否要换。如果该换了，千万不要犹豫。另外，还得为家人准备急救包，以防滑倒摔伤。冬天也是汽车故障的高发时节，我们还得为汽车准备好维修设备。

8、关掉室外水龙头

加拿大冬天寒冷，为了保护室外的水龙头和地埋灌溉系统不因冻结而爆裂， 一定要在冬天来临之前采取措施。关闭室外水龙头的供水总闸，然后打开室外水龙头将期管道中残留的水排干。如果你没有供水总闸，也没有防冻型的水龙头和水管，那么大型家具商场所售的“Styrofoam faucet covers”应该可以帮到你。此外，要保障地埋灌溉系统能够安全度过冬季，按照制造商说明书上的程序，排干剩余水也是必不可少的一步。

9、加装防风雨条（weatherstrip）

在冬天，防风雨条不仅可以加固门窗和玻璃，更重要的是可以封堵上门窗的接缝处，从而提高取暖效率，节省能源。此外，建议在门底加装门刷（door sweeps），这样能在保证通风的同时最大限度的保证室内温度，同时隔绝室外的冷空气。

10、检查安全装置

冬天大家都爱待在家里，因此安全问题就尤为重要。为此一定要测试房屋里的烟雾探测器和一氧化碳探测器，而且要记得更换电池。

另外，还要检查灭火器，尤其是灭火器是否过期。很多人不知道，灭火器也有使用年限，一般为六年，如果过期，一定要及时更换。最好在购买灭火器时用记号笔记下购买日期。

检查灭火器时，要注意检查压力表指针，以确保灭火器完好。请确保锁销是否完好，并检查排放喷嘴是否堵塞。清洁灭火器并检查是否有凹陷，划痕和腐蚀。如果损坏严重请及时更换。

此外，秋天还要注意检查室内的氡气情况。氡是一种稀有气体，过量的氡会对人的身体造成伤害。随着天气的转冷，氡气更有可能被滞留在室内而难以挥发。关于氡气的检测和处理，涉及到许多专业知识，因此建议寻求专业人员的帮助。

11、移除室外空调挂机

如果你家用的是室外空调挂机，那么在冬天到来前最好把它移除，然后用密封材料把装挂机的部分都给堵上。否则等天一冷，冷空气就会从窗口进来，那样这个冬天就太难熬了。

12、清洁烘干机通风口

如果烘干机的通风口被堵塞，那将会降低其工作效率，严重的甚至可能引起火灾。这件事情甚至不能等到冬天快到时再做。因为秋天干燥凉爽的天气很容易导致静电。而如果烘干机通风口长期得不到清理，静电则有可能会点燃衣物纤维，最终酿成大火。

你可以找专门负责管道维护的公司来清洁，也可以自己动手。如果您要自己动手，那么请记住以下步骤：

1. 拔掉烘干机的电源。

2. 如果您用的是气燃型的烘干机，那么一定要关掉煤气。

3. 把烘干机从墙上拉开。

4. 松开夹住软管的夹子。

5. 以防静电，请用棉毛刷清洗通风口和软管。

6. 把烘干机放回原处，一定要轻，不要压碎软管。

13、清洁厨房

最好在冬天到来前，花上一天的时间最厨房进行深度清洁。

14、制定一个能源审计表

每年冬天，能源开支都会是一个大头。冬天到来前，可以好好估算能源的消耗情况，并且看看有什么地方可以改进的。如果电器已经老化了，那么不要犹豫，换个新的吧。老旧的电器不仅工作效率低下，而且容易发生事故。更新电器的钱，几个冬天就能省下来。还有房屋阁楼里的隔热层，以及防风雨条，这些细小保暖设备也都需要在冬天来临前好好检查一下。

15、清洁烟囱、壁炉，并且养护供热系统

在打开暖气或者使用供暖设备前，一定要确保烟囱、壁炉和锅炉能够正常运作。这不仅关系到这个冬天是否温暖，而且是保证房屋安全所必不可少的一件事。另外，冬天了，千万不要忘记给烟囱加一个烟囱帽。不然浣熊和松鼠就要顺着烟囱来你家冬眠了。

至于整个房屋采暖设备的检查养护，以及如何确保它们正常运行，因为比较专业，有关这方面的小贴士，您可以咨询专业人士.

                                                                                                                                                 By Urban Upgrade

There are a number of advantages to investing in real estate, especially if you choose your properties wisely. We work with many types of investors and often get asked whether it is best to buy into the single family, townhouse, or apartment markets - the truth is that each comes with its own advantages and disadvantages, so there often is no simple "right" decision that works for everyone.  

Below, a good old fashioned pros and cons list to help to outline the main benefits and drawbacks for each type of rental property:

SINGLE FAMILY HOMES:

Pros:

1. No Condo Fees: Owning a single family home, be it a detached home or a semi-detached home, means no condo fees, which means that monthly overhead is reduced, allowing for better cash flow and more money in your pocket.

2. Tenants Pay Utilities (Usually): In single family rentals, most often utility costs are the tenant’s responsibility, although with some suited homes, and many executive rentals, these are included for convenience. With utility costs covered by the tenant, monthly carrying costs are more predictable, and generally lower anyways - most renters pay closer attention to utility usage when they are footing the bill!

3. Higher Stability for Resale: This is true in the current market at least, but may not necessarily hold true in the long run. While it can be slightly more difficult to market a previously rented property (especially if you had careless tenants), right now single family homes are simply selling better than condos in Calgary. In fact, in some inner-city communities, single family homes on larger lots (50-ft +) are extremely coveted, and selling very quickly.

Cons

1. Seasonal Upkeep: Your tenants may not consistently shovel the walk, or mow the lawn. With careless renters, a previously well maintained home can quickly turn into an eyesore, leading to neighbour complaints and fines from the City. 

2. Exterior Maintenance: As the Landlord, this often falls under your jurisdiction. Fixing downspouts, repairing broken gates, painting trim and windows (all of the things you hate doing at your own house…) multiply it by two because this is your responsibility, not your tenant’s. 

3. Repairs: Once again, all repairs are 100% yours to pay for, out of pocket, and completely your responsibility to source, manage and coordinate. If you go this route, make sure to budget money every year for minor repairs and upkeep, and allocate some funds for larger ticket items like furnaces and roofs… It is important to keep the house in good working order, when it comes time to find new tenants OR to sell. 

4. $$$$: Generally, this is the most expensive market to buy into, meaning the purchase cost will be higher initially, and you will need a larger down payment.

TOWNHOME “CONDOS"

 Pros

1. More Attainable Price Point: Typically, townhomes are less expensive to buy than a single family homes, meaning more cash in your jeans, and likely a more attractive rental price to prospective tenants. 

2. Less Exterior Maintenance: Most townhomes include landscaping and snow shovelling, meaning you don’t need to rely on your tenants to be responsible with respect to this. 

3. Lower Condo Fees: Condo fees are usually less than in an apartment condo and typically cover professional management and maintenance which makes your life easier as a Landlord.

4. Less "Large Ticket" Expenses: Condo fees also typically cover building insurance and reserve contributions, meaning your insurance costs are much less every month, and there should* be money for large repairs when they come due. (*Just because there should be money for large repairs, doesn’t mean there will always be enough - Just as you would for a single family home, expect the unexpected and budget some funds for larger repairs.)

Cons

1. Condo Fees: Wait, but weren’t the condo fees just listed above as a “pro”? Yes. Although generally lower than apartments, there are still condo fees, and condo fees do have a risk of rising over time. 

2. Risk of Special Assessments: If a large repair is required, and there isn’t enough money in the reserve fund to cover, there is a chance that you will see a cash call from the condo board. 

3. Bylaws: Most townhome dwellers appreciate the private entrances, courtyards, and ease of pet ownership. That said, all renters must follow the bylaws or the owners can get fined, so you need to ensure that these rules are understood. Not all complexes will allow pets without board approval. 

APARTMENT CONDOS 

Pros

1. $$$$: Generally the most affordable option, allowing you to get in to the investment market without breaking the bank.

2. Less Responsibility: Generally, investing in an apartment/condo requires very little maintenance from the owner (you). The building generally takes care of anything outside the unit, and often will take care of a few items inside like smoke alarm tests and filter changes. 

3. Utilities May Be Included in the Condo Fees: Meaning you can advertise your rent as being more “inclusive” of extras. Always make sure to verify exactly what is covered in the condo fees however, as this can vary from building to building - most include gas and water, but not electricity. 

4. Desirable Locations: Apartment buildings are typically located close to amenities, shopping, groceries, transit and other things that tenants love, which in turn makes your property more marketable to prospective renters.

Cons

1. Higher Condo Fees: Condo fees are inevitable and tend to be highest for this type of property. That said, they often include utilities like heat and water.

2. Tougher Resale Market: It is no secret that the apartment sector is struggling in Calgary right now. Price reductions are occurring all over the city and with a huge over supply and even more high-rise building under construction (especially in the Downtown area) it doesn’t look like these conditions are going to change any time soon. 

3. Risk of Special Assessments: Similar to townhomes, if a large repair is required, and there isn’t enough money in the reserve fund to cover, there is a chance that you will see a cash call for owners. Once again it is important to remember that these issues would arise with other types of properties too, and would likely be more costly anyway.

4. Condo Bylaws: All renters must follow the bylaws or the owners can get fined, so you need to ensure that these rules are understood and that you trust your tenants.

Investor Tip: Regardless of the type of rental you choose, be prepared for the time and expense that comes with maintaining a home you don’t live in. When it comes time to sell your property, be forewarned that it isn’t always easy to sell a rental property: tenants are messier and less flexible with showings, and rental properties typically see more wear and tear than non-rentals. 

If you’re thinking about investing in Calgary, we would love to help you out. Give us a call anytime so that we can get you on your way to becoming someones favourite Landlord (or Landlady). We help our clients assess the right investment for them after discussing budget, holding period, cash flow requirements, appreciation expectations, and need for liquidity. 

加拿大金融机构监管办公室（OSFI）于10月17日发布消息，正式发布房屋按揭申请操作与程序的最新指引（B-20），并宣布新指引将于2018年1月1日生效，适用于所有接受联邦规管的金融机构。明年起， 将以更高的利率、更严苛的规则来测试买家的还款能力，在同样收入情况下，买家能够借出的钱将大幅减少。据媒体估计，加拿大中位数收入的家庭购买力将减少25%。

B-20新指引中与我们关系最紧密的改变即是“压力测试”。此前，只有首付款在20%以下、购买了贷款保险的借贷人才需要进行压力测试。在新规下，首付款在20%及以上的未购买保险的房贷申请者也必须进行压力测试。

贷款保险主要是保护放贷方，一般为贷款总额的0.6%-4.5%不等。如果未来借贷人无法偿还贷款，贷款保险可以保证放贷方的利益。

OSFI的新闻稿称，B-20指引要求在联邦规管下的金融机构对按揭审批保持警惕，强调无保险按揭的最低合资格利率要求，贷款价值比（loan-to-value，LTV），以及禁止企图绕开LTV的交易。新指引将于2018年1月1日正式生效，适用于所有接受联邦规管的金融机构。

B-20最新指引具体有以下三点：

1. 对无保险按揭贷款，OSFI设立新的最低申请利率，即“压力测试”：

B-20指引现在要求，按照加拿大央行公布的五年期利率（现为4.89%），或在合同利率基础上再追加2%来审批首付超过20%的无保险按揭。

2. 要求按揭机构设立并且严格执行最高贷款价值比（LTV），在房屋市场和经济环境变动时，体现最新的市场风险。

3. 禁止部分企图绕开LTV的交易：禁止联邦规管的金融机构为了绕开LTV限制，与其他贷款商合作安排提供按揭或其他贷款产品。

何为LTV：

按揭更新（renew）时银行会计算LTV，确保LTV<80%，如果超过客户就要买保险。如果原来的房子交易价100万，首付20万，按揭80万，几年后房子市场价80万，银行最多只能贷80万的80%，也就是64万，客户要补齐差额也就是80万-64万=16万！

新指引不仅影响到新申请的按揭，对于大批按揭到期，需要与银行续约更新按揭的房屋业主，也将产生重大影响。可以预见的是，在此政策下，买家购买力的直接下降。受影响最大的将是房屋价格最高的多伦多和温哥华两大城市。

以多伦多为例，当前一个收入中位数家庭（年收入7.8万加元）要在多伦多买一个基准价格的房屋（75.5万加元），在当前的政策下，大约可以借出52.6万加元。新政策之后，只能借出大约39万加元。这意味着收入中位数的买家，需要多准备首付15万左右。

房屋按揭新政，比今年两次加息还狠

道明经济的高级经济师Brian DePratto指出：“扩大压力测试可能导致房市进一步放缓，一旦新政实施，5%至10%的房屋需求被抑制，其中一部分影响在1月1日新规生效之前就可能出现。房价也会受到影响，预计2018年房价涨幅将被拖累2至4个百分点。”

不过华人地产界人士有不同的看法，一华人地产公司总裁向媒体表示，联邦政府新的按揭措施对华人的影响并没有那么大，主要是因为华人投资风格一向比较保守，不会太冒进。

他解释，以20%首付为例，极少华人买家首付只有20%，华人比较喜欢支付30%以上的首付，甚至有不少人支付50%的首付，而且华人衡量自己的还款能力，往往比银行还严格，通常有比较大的还款空间，很少出现断供的现象，反而西人买家首付通常低于20%，甚至更低，所以新的压力测试政策对西人买家的影响更大。

这一贷款新政实施，对于在海外买家税下已经降温的多温楼市是又一次考验，卖家也面临着不小的压力。买卖双方都应该尽快咨询相关信息，做好应对措施。