
Adam Chen
- Jul 25, 2017
你的金秋人生需要一个规划
在我的高中时代,曾经读过一本书,书名叫做《你的人生需要一个规划》。感谢这本书给我的启示,这些年来,在规划和调整中,我和我的家庭进入了金秋收获季节。 作为一个60/70后,我们这一代人是幸运的,我们享受到了中国改革开放带来的丰硕成果。在过去的三十多年里,我们经历了八十年代的改革开放,92南巡讲话,94私营民营经济的兴起,96国内大城市“一年一个样,三年大变样”的市政建设,97亚洲金融风暴,00年互联网泡沫,03年大城市房地产兴起,06国进民退,08全球金融风暴,09年四万亿救市,10年中国互联网经济的兴起,12年反腐反贪,15年股灾等大大小小的事件。伴随着这一切,我也从一个懵懂的青少年,走过我的青葱岁月,从恋爱结婚生子,步入中年,面对我的人生金秋,开始规划起我的退休和未来生活。 有道是:预则立,不预则废。进入中年的我们,更能体会这个基本的人生道理。 前不久,笔者的一个远房亲戚就遇到了这样一件事。才六十多岁的A,已婚,有太太和一个孩子。今年4月的一天不幸心脏病突发过世。A没有立过遗嘱,按照中国的继承法,A的遗产由第一继承人(他太太,女儿和父母)继承。

Alex Zhang
- Jul 25, 2017
加拿大楼花购买 科普贴
近年来独立屋与condo楼花因其巨大的杠杆效应而备受投资者亲睐。而由于楼花投资的时间延后特点,在4月21日新政之后,尽管多伦多现房成交价格出现明显回落,大多地区楼花市场依然火热。 但是,尽管楼花有着许多独特优势,加拿大对楼花市场规管也有着相当完善的法律与保险体制的保护,许多华人买家还是因为对楼花市场规则的不熟悉而吃了暗亏,今天我们就来聊一聊关于楼花的一些容易被忽略的事情。 楼花的交接日期: 尽管大多数楼花都会在上市宣传时提供一个occupancy date,但其实真正最后的具体交楼日期还有很多细节需要留意。比如condo楼花在封顶之后就会进入一个叫“Pre-occupancy”的阶段,这期间开发商会从低楼层开始一间一间装修,每装修好一间就会交付一间。这时业主虽然拿到了unit的钥匙,但是因为产权(也就是title)还没有到业主名下,所以此时相当于业主在像开发商租赁该unit,直到整栋楼都完成交付,整个condominium在city注册之后,产权才会转移到业主名下。 另外一个需要注意的就是交接延后,当业主购买物业后合同上会指定一个First Te

Alex Zhang
- Jul 25, 2017
多伦多短租新政与Aribnb的爱恨情仇
本周地产除了房价的升跌讨论继续白热化之外,另外一个新话题就是多伦多市政府在周一提出关于多伦多房屋短租的新议案了。随着大多地区房价的提升,housing cost就一直是市政府的重要议题,在海外买家税和长租租金增长设置门槛等新政之后,市政府这次把目光放到了一直备受争议的短租市场上。 总体上来说,多伦多市政府其实对短租市场,尤其是新兴的Airbnb行业是怀着又爱又恨的心情的,毕竟根据Airbnb的官方数据显示,光是Airbnb公司本身的服务就为多伦多超过9900位房东带来了稳定的额外收入,同时还为多伦多城市带来了百万级别的旅游收入。但是另一方面,越来越多的人看到了Airbnb业务的高盈利潜力,开始把投资放在规管不足的短租业务上,不但使多伦多本地人生活所必需的长租(long-term lease)供应受到打击,短租行业的法律缺失也导致了部分区域犯罪率上升等问题。所以这次多伦多市政府针对短租新政的议题就有了“支持短租和Airbnb业务,但是必须加强管理”的指导方针。 议题Highlights: 1. 禁止房东将非自住房屋整套进行短租放租 2. 修改地区b
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