Buyer Notes买房话题
Before you offer: map the cash timing买房前，先把现金时间排清楚
A buyer can be approved for a price range and still feel unprepared when the right Ottawa home appears. The gap is often cash timing: what needs to be available before the offer, at closing, and after moving in.
Separate deposit from down payment
CMHC explains that a deposit is paid when you make an Offer to Purchase and can form part of your down payment. In practice, that means the money needs to be accessible quickly, not simply planned for later. Ask your mortgage professional how your deposit source, down payment and approval documents should line up before you write.
Budget for closing costs
The purchase price is not the full cash need. CMHC lists items such as legal fees, land registration, property insurance, prepaid taxes or utilities, appraisal, inspection and title insurance. Mortgage loan insurance may also apply when the down payment is under 20 percent. Build a worksheet before you fall in love with a listing, and leave room for moving and basic setup costs.
Choose a comfortable offer lane
Once you know the cash timeline, decide what price range is comfortable, what conditions you may need, and when you can close. A clearer cash plan does not guarantee an accepted offer, but it helps you move calmly when a serious option appears.
买房不是只看“我能贷多少”。真正出价时，常常卡在现金时间：定金什么时候要到账，成交时还要准备哪些费用，搬进去以后还要留下多少余地。
定金和首付，要分开想
CMHC 说明，买家在递交购房 offer 时通常需要支付定金，定金可以算作首付的一部分。也就是说，这笔钱不是成交那天才需要准备，而是出价时就要能快速拿出来。买房前，先和贷款专业人士确认定金来源、首付安排和预批文件是否一致。
成交费用不要临时补算
房价不是全部现金需求。CMHC 提醒买家还要考虑律师费、土地登记、房屋保险、已预付地税或水电调整、评估、验房和 title insurance 等费用；如果首付低于 20%，还可能涉及按揭保险。看房前先做一张简单表，把成交前、成交日和入住后一个月的现金需求写清楚，再决定合适的搜索价格。
让出价范围更踏实
现金时间清楚以后，再看自己愿意在哪个价格区间认真出价，需要保留哪些条件，交接日能否配合。这样做不能保证 offer 一定成功，但能减少临时慌张，也能帮你判断：这套房是真的适合，还是只是照片让人心动。
Further reading: 参考资料：CMHC: How much will my home really cost?CMHC：买房真实成本. General guidance; confirm your own financing and closing details with the appropriate professionals.。本文为一般说明，具体贷款与成交安排需向相应专业人士确认。
If you are planning a purchase, share your price range, deposit timing and target areas before you build the shortlist.如果你正在准备买房，可以先说说预算、定金时间和目标区域，再开始筛选房源。
Talk through your buying plans一起理清买房计划 →