FOR SELLERS （卖家交房前准备工作）4 WEEKS BEFORE THE POSSESSION DATE （交房日四周前） Begin packing开始整理打包家私 Choose your mover and confirm the arrangements提前预定好搬家公司 Do a change of address or register Canada Post Mail Forwarding Service 更新地址或注册使用加拿大邮政邮件转寄服务 Close or Transfer your utilities account: Gas / Electric / Phone & Cable / Home Insurance关闭或转移各类公共事业账户：煤气FortisBC / 电BC Hydro / 上网 Telus&Shaw / 房屋保险 Book with your Lawyer/Notary to sign final closing docs预约过户律师或公证人准备过户文件并核实签字 FOR BUYERS （买家搬进新家前的准备工作）4 WEEKS BEFORE THE POSSESSION DATE （成交日四周前） Begin packing开始整理打包家私 Choose your mover and confirm the arrangements提前预定好搬家公司 Do a change of address or register Canada Post Mail Forwarding Service 更新地址或注册使用加拿大邮政邮件转寄服务 Open your utilities account and start service on the possession date: Gas / Electric / Phone & Cable / Home Insurance提前开通各类公共事业账户并在交房日开通服务：煤气FortisBC / 电BC Hydro / 上网 Telus&Shaw / 房屋保险 Book with your Lawyer/Notary to sign final closing docs预约过户律师或公证人签字最后过户文件 Receive new owner package from the Strata after move-in by email or mail在搬进新家一到二周内收到管理公司发出的新屋主文件包 Receive final Title Certificate 6 weeks after move-in by mail在搬进新家六周内收到过户律师发出的正式产证文件 我们推荐的过户公证人 / WE RECOMMEND CLOSING NOTARY OFFICE: NELSON MUI (国语/广东话/ENGLISH)https://www.streamlinenotary.ca/ Located in: Burlington Square Address: 6540 Burlington Ave #110B, Burnaby, BC V5H 4G3Phone: (604) 419-9462Province: British Columbia   我们推荐的房屋保险经纪 / WE RECOMMEND HOME INSURANCE AGENT:   Tony Ji /纪若晨 (国语/广东话/ENGLISH) Insurance Broker 保险经纪 | CAIBInsure Line (A.N.Y.)140-3411 No.3 Road, Richmond BC604.782.0998 |  tji@saveonhomeins.com   Daphne Wong (国语/广东话/ENGLISH)CIS Insurance Brokers Ltd.778.994.6234 |  daphnewong@cisinsurance.ca   我们推荐的搬家公司 / WE RECOMMEND HOME MOVING COMPANY:   Mike (国语/ENGLISH) 604.499.8679

  Underused Housing Tax (UHT) The Underused Housing Tax is an annual federal 1% tax on the ownership of vacant or underused housing in Canada that took effect on January 1, 2022. The tax generally applies to foreign national owners of housing in Canada. However, in some situations, this tax also applies to some Canadian owners (such as certain partners, trustees, and corporations). Residential property owners that are affected by the Underused Housing Tax (UHT) have until April 30 each year, to file their returns and pay the tax for the last calendar year without being charged penalties or interest. Vancouver Empty Homes Tax (If Applicable) Vancouver homeowners are required to submit a declaration each year to determine if their property is subject to the Empty Homes Tax. Properties deemed or declared empty in the current reference year will be subject to a tax of 3% of the property’s latest assessed taxable value. Declaration deadline before Feb 2, Each Year! BC Speculation and Vacancy Tax The speculation and vacancy tax is an annual tax based on how owners use residential properties in areas in B.C. affected most by the current housing shortage crisis. The B.C. government announced the expansion of areas where the speculation and vacancy tax applies. Owners in these areas will need to declare. Declaration deadline before March 31, Each Year! Apply for the Home Owner Grant - Property Taxes If you qualify for the home owner grant, you must apply each year to receive the grant on your principal residence. Your principal residence is the usual place that you make your home. It's where you live and conduct your daily affairs, like pay bills and receive mail. It's also generally the residence used in your government records for your income tax, medical services plan, driver's licence and vehicle registration. Your principal residence must be assessed and taxed as an improvement, such as a single family dwelling, a strata duplex or condominium, a townhouse, a manufactured or modular home. The fastest and easiest way to apply for your HOG is online in May, Each Year. Pay or defer your property taxes online using eTaxBC  before July 1 Each Year. Create Your City Hall Login Account to manage your property online.

Tips for the Moving ProcessIt’s official: you’ve signed the papers, dotted all the i’s and crossed the t’s—you own a new home! You’ve almost reached the end of your journey. However, now, faced with the daunting task of moving, it may seem as though the journey has just begun. Moving can be a time-consuming and stressful experience if you let yourself be overwhelmed by the job. Remember, though, having a successful move means taking care of the details, one by one. If you break the process down into steps and arrange your time accordingly, you can make it manageable. Use the following checklist to ensure you’re covering all the bases, and you will be well on your way to a successful move!Household• Arrange to have your mail forwarded to your new address.• Forward or cease all deliveries to your home, and forward or cancel newspaper and magazine subscriptions.• Disconnect or take care of utility, cable and phone services and accounts.• Arrange for utilities to be connected at your new house.• Cancel pre-authorized bill payments.• Begin going through closets and discarding any unnecessary items.Packing• Plan your packing. Start by purchasing or acquiring suitable containers. Most moving companies have specialized containers you can buy. Also, speak with others who have recently moved—they may be looking to get rid of boxes. You’ll need the following: small boxes for heavy items (books, tools, etc.); large boxes for bulky items (bedding, stuffed toys, etc.); medium boxes for bulky but less heavy items (towels, small appliances, etc.).• Begin to collect other packing materials. Decide which items you’ll need from the following checklist:-White paper-Tissue paper-Paper towels-Newspapers-Non-printed paper-Packing tape or twine to seal boxes and containers-Scissors-Labels and stickers (available from your moving company)-Felt marker to label boxes-Notebook and pen for listing contents• Set goals and deadlines for yourself. Aim, for example, to pack one room per week.• Attach a list of contents to each box. Separate and label boxes to be placed in storage.• Consider holding a garage sale to rid yourself of excess belongings.• Begin to use up the food in your pantry and freezer. Let the food you already have dictate your menus.• Have rugs cleaned that are to be moved, then roll and wrap them.• Make special arrangements for the moving of plants or pets.• Collect all personal items from local services (dry cleaning, storage, photos).• Service all appliances you are taking with you. Note that all gas appliances must be emptied, as it is illegal for movers to carry flammable substances.• Take inventory of all the boxes, and contents of the boxes, you have packed.• Have your car serviced and tuned up.Community• Return library books.• Clean out your locker at any club you are leaving.• Determine how to transfer your children to a new school.• Return items you’ve borrowed to friends, and collect any you’ve lent.• Mail or e-mail change of address notices to family members, friends, and office contacts.Records• If needed, transfer medical and dental records, and fill prescriptions.• Change the address on your driver’s license.• Change the billing address for credit cards.• Change the address for banking statements.• Leave a record of security codes for new tenants.Insurance and Legal Matters• Visit your lawyer and ensure all documents are signed.• Notify your insurance company well in advance of the move and ask them to review your policy.• Transfer insurance to your new home, or acquire new insurance.• Review your moving company’s insurance policy. If it doesn’t cover as much as you’d like it to, obtain your own.• If you are currently renting a house or apartment, give written notice to the landlord.• Have all keys to your old home delivered to your lawyer or realtor.

  Buying a Home: What Expenses to ExpectBudgeting for a new home can be tricky. Not only are there mortgage installments and the down payment to consider, there are a host of other—sometimes unexpected—expenses to add to the equation. The last thing you want is to be caught financially unprepared, blindsided by taxes and other hidden costs on closing day.These expenses vary: some of them are one-time costs, while others will take the form of monthly or yearly installments. Some may not even apply to your particular case. But it’s best to educate yourself about all the possibilities, so you will be prepared for any situation, armed with the knowledge to budget accordingly for your move. Use the following list to determine which costs will apply to your situation prior to structuring your budget: 1. Purchase offer deposit.2. Inspection by certified building inspector.3. Appraisal fee:Your lending institution may request an appraisal of the property. The cost of this appraisal is your responsibility.4. Survey fee:If the home you’re purchasing is a resale (as opposed to a newly built home), your lending institution may request an updated property survey. The cost for this survey will be your responsibility and will range from $700 to $1000.5. Mortgage application at your lending institution.6. 5% GST: this fee applies to newly built homes only, or existing homes that have recently undergone extensive renovations.7. Legal fees:A lawyer should be involved in every real estate transaction to review all paperwork. Experience and rates offered by lawyers range quite a bit, so shop around before you hire.8. Homeowner’s insurance:Your home will serve as security against your loan for your financial institution. You will be required to buy insurance in an amount equal to or greater than the mortgage loan.9. Land transfer (purchase) tax:This tax applies in any situation in which a property changes owners and can vary greatly.10. Moving expenses.11. Service charges:Any utilities you arrange for at your new home, such as cable or telephone, maycome with an installation fee.12. Interest adjustments.13. Renovation of new home:In order to “make it their own,” many new homeowners like to paint or invest inother renovations prior to or upon moving in to their new home. If this is yourplan, budget accordingly.14. Maintenance fees:If you are moving to a new condominium, you will likely be charged a monthlycondo fee which covers the costs of common area maintenance.