安省省长Kathleen Wynne和财长 Charles Sousa,于2017年4月20日周四上午在新闻发布会上宣布了一条重量级的政策:包括多伦多在内的安省大金马蹄地区将实施15%的海外买家税。而该政策出台的主要原因则是:过去的一年里,多伦多房产的销售价格猛涨了33%。
其实,对于该政策出台的可能性,夏夏已经在之前发布的文章中有过讨论,感兴趣的朋友可以查阅夏夏2017年2月19日写的《万锦市议员提议安省全省征收15%外国买家税,各方反应很有趣 (夏欣怡编译)》和发表于《大众理财顾问》杂志2017年第3期的文章《新政实施,应如何投资加拿大房产?》。所以说,该政策的来临,虽然有些突然,但可以认为是在意料之中。
安省大金马蹄地区究竟位于安省的哪里?金马蹄地区位于加拿大安大略省南部,安大略湖西端,以大多伦多地区为中心,广义覆盖范围从伊利湖起向北伸延至乔治亚湾,大部分地区也在魁北克城-温莎市走廊之上以及五大湖区城市群之内。
图1:BC省大金马蹄地区示意图(图中红色和绿色部分)
如图1
所示,可以虽然安省很大,有107.6
万平方公里,但是该地区实际上只占安省东南部的一个小角,面积为31,562
平方公里,仅占安省面积的2.93%
,人口却有924.5
万 (2016
年)
,占加拿大全国总人口3541.8
万 (2016
年)
的26.1%
。而大温地区的总人口只有246.34
万,由此可见此次限购影响人口之多远远超过了去年温哥华征收15%
买家税的影响范围。
那么以后多伦多房地产市场将如何变化呢?就夏夏看来,目前温哥华市场房地产市场的状况就很好地说明了一切。
每年因为各种原因来加拿大的海外买家依然很多,他们总是要买房的,既然多伦多限购了,那么他们就很有可能又会回到温哥华来买房,就像去年温哥华限购,这些投资者前往多伦多买房一样,温哥华将会受益。
当然,温哥华也是有15%
买家税的,有些买家并不甘心交这份钱。他们会怎么做呢?极有可能他们回到温哥华后,发现情况不容乐观,继续向温哥华周边溢出。这样,温哥华西侧与温哥华具有相似气候的海滨城市纳奈莫,也将有可能受益。作为加拿大西海岸纳奈莫(Nanaimo)、维多利亚、温哥华金三角中的一环,夏夏坚定看好纳奈莫城市的长远发展。
此次安省新政与去年温哥华新政相比,更狠的是,还推出了16
个旨在控制房价的配套政策。为了帮助英文不太熟练的读者朋友,更好地了解这些对加拿大未来房地产市场走势意义深远的政策,夏夏对这16
条政策进行了如下的翻译整理:
1、A 15-per-centnon-resident speculation tax to be imposed on buyers in the Greater GoldenHorseshoe area who are not citizens, permanent residents or Canadiancorporations.
在大金马蹄地区购房的买家,如果不属于加拿大公民或永久居民,将缴纳15%的“非居民投机税”NRST(Non-ResidentSpeculation Tax)。
(这就是此次限购政策的核心政策了。)
2、Expanded rent control that will apply to all private rental units inOntario, including those built after 1991, which are currently excluded.
出租限制扩展到多伦多所有出租单元,包括之前排除在外的1991年后的房屋。
3、Updates to the Residential Tenancies Act to include a standard leaseagreement, tighter provisions for “landlord’s own use” evictions,and technical changes to the Landlord-Tenant Board meant to make the processfairer, as well as other changes.
更新住宅租客法案,建立标准租房合约等。
4、A program to leverage the value of surplus provincial land assetsacross the province to develop a mix of market-price housing and affordablehousing.
利用省里过剩的土地提供廉价住房。
5、Legislation that would allow Toronto and possibly othermunicipalities to introduce a vacant homes property tax in an effort toencourage property owners to sell unoccupied units or rent them out.
对多伦多和其它城市开征空屋税,促使业主出租或卖出空置房屋。
6、A plan to ensure property tax for new apartment buildings is chargedat a similar rate as other residential properties.
确保新建公寓物业税和其它住宅物业形式税率平齐。
7、A five-year, $125-million program aimed at encouraging theconstruction of new rental apartment buildings by rebating a portion ofdevelopment charges.
通过部分退换开发收费,计划5年赤字$125,000,000,促进建设出租公寓。
8、More flexibility for municipalities when it comes to using propertytax tools to encourage development.
给城市灵活性,通过物业税工具促进开发。
9、The creation of a new Housing Supply Team with dedicated provincialemployees to identify barriers to specific housing development projects and workwith developers and municipalities to find solutions.
省政府建立住房供给小组,和开发商一起寻找解决住房障碍的方案。
10、An effort to understand and tackle practices that may becontributing to tax avoidance and excessive speculation in the housing market.
致力解决避税和房地产市场投机。
11、A review of the rules real estate agents are required to follow toensure that consumers are fairly represented in real estate transactions.
审视房地产经纪制度,保障消费者被公平地代表。
12、The launch of a housing advisory group which will meet quarterly toprovide the government with ongoing advice about the state of the housingmarket and discuss the impact of the measures and any additional steps that areneeded.
建立住房建议小组,每季度给政府提供建议。
13、Education for consumers on their rights, particularly on the issueof one real estate professional representing more than one party in a realestate transaction.
提高消费者权益认识,特别是一位经纪人同时代表双方的情况。
14、A partnership with the Canada Revenue Agency to explore morecomprehensive reporting requirements so that correct federal and provincialtaxes, including income and sales taxes, are paid on purchases and sales ofreal estate in Ontario.
和国税局合作,确保各项税务落实。
15、Set timelines for elevator repairs to be established in consultationwith the sector and the Technical Standards & Safety Authority.
建立电梯维修时间要求。
16、Provisions that would require municipalities to consider theappropriate range of unit sizes in higher density residential buildings toaccommodate a diverse range of household sizes and incomes, among other things.
规定要求城市考虑高密度建筑单元面积,从而提供多元化的住房满足不同收入水平需要。
如果你希望与夏夏交流,请联系我。我是BC省持证经纪人,可在整个BC省范围内帮您选择房产,目前主攻温哥华岛纳奈莫市(Nanaimo)地产,让我帮您找到理想中的产业。
我的电话:250-797-9168
我的微信:xia-xinyi
我的网站:www.xiaxinyi.com
参考资料:
Ontario to tax non-resident foreign housingbuyers 15%
:
http://www.torontosun.com/2017/04/20/ontario-to-tax-non-resident-foreign-housing-buyers-15
谷歌地图:https://www.google.ca/maps/
多伦多房地产管理局:http://www.trebhome.com/
温哥华岛房地产管理局:http://www.vireb.com/
温哥华房地产管理局:http://www.rebgv.org/