在加拿大，把现金放入银行保险箱被盗：银行会赔偿吗？转载
女子2万加元现金放入银行保险箱中被盗：银行会赔偿吗？蒙特利尔地区一名女子将2万加元现金放入银行保险箱中被盗，她认为这是银行的疏忽和缺乏安全措施导致的，以为银行会赔偿，但现实是银行不会赔偿，因为银行保险箱条款中有专门一条：不允许存放现金。
Irina Broido表示，她和父亲于2009年开设了这个保险箱，用于存放重要文件、珠宝和钱。当她的父亲因病无法出门后，她成为了保险箱的主要使用者。
今年2月，她发现自己存放在透明的Ziploc袋中的钱不见了——这2万加元现金是她为父母的丧葬费用准备的。
Broido说，“就像电影里演的那样，这简直是噩梦”。
Broido随即报警，并要求TD银行位于蒙特利尔南岸St. Hubert分行进行调查。
但此事的处理过程极为艰难。由于保险箱的保密性质，只有Broido能证明其中的内容。而且，保险箱并没有针对盗窃投保——她之前也没有意识到存放现金是被禁止的。
Broido的父母是东欧人，按照她的描述，他们对待金钱的态度是“老派”的。他们不把积蓄存入银行，而是存放在家里。
她认为保险箱是一个合理的替代方案。
Broido说：“我盲目信任银行，因为它是银行”。现在她质疑银行的安全性和程序。
在钱丢失的几个月前，Broido的钥匙开始卡住。银行无法更换钥匙，于是在2023年秋季，她将物品转移到一个新箱子里，并且银行给她发放了一张新的签字卡。
每个保险箱都有一张签字卡，记录了谁有权访问保险箱。客户和银行职员都需要签署此卡以记录访问情况。
去年圣诞节，Broido的签字卡丢失了。尽管如此，她说银行职员还是让她打开了保险箱。
她说：“我怎么能够在没有签任何东西的情况下自由进入？结果银行工作人员却说，别担心，下次我们会打开它。”
在今年1月再次访问银行时，Broido被发放了一张新卡。发现现金丢失后，Broido怀疑是否有其他访问记录没有被妥善记录。
保险箱与银行账户的保护措施不同
快速搜索加拿大的大型银行，几乎没有关于客户可以在保险箱中存放什么的具体说明。具体条款只有在客户签署合同时才会揭示。
不列颠哥伦比亚大学助理教授Eddie Ning表示，这些细节会让产品看起来不那么有吸引力。
他说，“你希望保持你的宣传标语简单明了，对吧？这是一个保险箱，它很安全”。
根据银行的不同，合同中通常会有一项条款，禁止客户在保险箱中存放现金、超过一定体积的贵金属或任何危险或非法的物品，如枪支或毒品。
人们只能在银行营业时间内访问他们的保险箱。因此，一般不建议将护照、医疗指示或遗嘱存放在保险箱中。
Ning说，银行也不会记录客户在保险箱中存放或取出的物品。因此，银行租赁合同规定，银行对遗失或被盗的物品不承担责任。
Ning指出，许多客户误以为保险箱和银行账户一样受到加拿大存款保险公司的保护，但这种保护并不适用于保险箱。
丢失的访问记录和录像
尽管TD银行的调查未能找到Broido保险箱的现金遗失的确凿证据，Broido仍对银行的能力表示怀疑。她发现银行在2023年10月至12月期间没有她的访问记录。
银行的高级管理层要求查看保险箱区域的监控录像，但由于该分行的保险库内或保险箱前没有安装摄像头，录像结果“无法确定”。
尽管出于隐私原因不应记录客户从保险箱中取出的物品，但Iafolla表示，应该有关于谁进出保险库的记录，以便为客户和银行双方提供保护。
Broido已彻底失去了对银行系统的信任，上周她永久关闭了TD银行的保险箱。
Broido说，“处理这些情绪和压力并不容易”，她目前正在接受魁北克犯罪受害者援助中心（CAVAC）的心理援助。
一、加拿大银行保险箱的法律性质（非常关键）
在加拿大，银行保险箱的法律关系是：
银行只是“出租保管空间”，不是“保管财物”
也就是说：
- 银行 不知晓 你放了什么
- 银行 不盘点、不登记、不检查内容
- 银行 不承担内容物的保管责任
这点在所有五大银行（RBC / TD / Scotiabank / BMO / CIBC）的条款里都写得非常清楚。
👉 和银行存款（deposit）完全不是一个法律概念。
二、现金被盗，银行是否赔偿？分 4 种情况
✅ 情况 1：不明原因失窃（最常见）
❌ 银行不赔
例如：
- 保险箱被撬
- 钥匙未丢但现金不见
- 银行系统漏洞或员工失误无法明确证明
👉 银行会说：
我们只负责“箱子”，不负责里面的“东西”
⚠️ 情况 2：明确证明是银行或员工重大过失
🔶 理论上可能赔，但现实极难
你必须证明：
- 是银行员工 故意或重大过失
- 有监控、指纹、记录等直接证据
- 且能证明你具体放了多少现金
👉 实际操作中：
- 几乎没有成功案例
- 现金最难证明数量
- 法律成本极高
❌ 情况 3：银行条款已明确“免责”
直接不赔
绝大多数银行合同都写明：
- 不对现金、珠宝、文件、贵金属损失负责
- 不对盗窃、火灾、水灾等负责
你签字＝默认接受。
🔒 情况 4：你自己额外买了保险
✅ 保险公司可能赔
不是银行赔，是：
- 房屋保险（Home Insurance）
- 租客保险（Tenant Insurance）
- 或专门的 Valuables Insurance
但前提是：
- 保单明确覆盖「银行保险箱内现金」
- 且有 限额（通常 $1,000–$5,000）
⚠️ 大额现金通常仍不赔。
三、为什么“现金”特别不受保护？
在加拿大法律和保险体系中：
| 项目 | 保护程度 |
|---|---|
| 银行账户存款 | CDIC 保障 $100,000 |
| 银行保险箱内现金 | ❌ 几乎无保障 |
| 珠宝/金条 | ⚠️ 需单独保险 |
| 文件 | ⚠️ 无实际赔偿价值 |
原因只有一个：
现金无法证明存在、数量、来源
四、真实案例（加拿大常见）
- 多伦多、温哥华都有发生过
- 客户保险箱内现金或珠宝失窃
- 银行统一回应： “我们对箱内物品不承担责任”
👉 大多数案件最后 客户自行承担损失。
五、在加拿大更安全的做法（非常重要）
✅ 1️⃣ 不要把大量现金放保险箱
银行自己也不建议放现金。
✅ 2️⃣ 分散方式更安全
- 一部分进银行账户
- 一部分短期 GIC
- 一部分可转为 银行本票 / Draft
✅ 3️⃣ 如果一定要放
务必做到：
- 不放超过 你能承受全损的金额
- 拍照 + 列清单（虽然法律效力有限）
- 购买附加保险（如可行）
六、关键总结一句话
在加拿大，银行保险箱不是“保险”的箱子
现金被盗，银行几乎不会赔偿
整栋building一起出售 回报率高 150万以下
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112 29 Avenue NW in Calgary: Tuxedo Park Triplex for sale : MLS®# A2281768
112 29 Avenue NW Calgary T2M 2L8 
$799,800Multi-Family- Status:
- Active
- MLS® Num:
- A2281768
- Floor Area:
- 1,264 sq. ft.
INVESTOR ALERT / BLOCKS AWAY FROM FUTURE TRAIN STATION / OVERSIZED CORNER LOT / TRIPLEX / INNER CITY NW LOCATION / CASH FLOWING PROPERTY. This property has unbelievable potential! Built as a legal TRIPLEX (with 3 electric meters in common area) but currently an illegal 4 Plex with 4 self contained 1 bedroom suites, potential to be converted to a legal 4 plex. Each unit has their own kitchen, full bathroom, living room, large windows, storage, parking stall, access to storage and common (coin op.) laundry. Located in the Northwest Community of Tuxedo that has plenty of bistros, pubs, shopping, greenspaces , schools and parks. This location is Strategically located on a major commuter bus route and very close to the future Train Station that the city is working on. The CORNER M-C1 Lot is 50 X 120 SF and would be a fantastic redevelopment site. More detailsListed by Century 21 Bamber Realty LTD.- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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11254 6 Street SW in Calgary: Southwood 4 plex for sale : MLS®# A2280116
11254 6 Street SW Calgary T2W 1V9
$1,249,000Multi-Family- Status:
- Active
- MLS® Num:
- A2280116
- Floor Area:
- 2,160 sq. ft.
EXCEPTIONAL INVESTMENT OPPORTUNITY in a highly desirable Southwest community, within three blocks of the Anderson C-Train Station and Southcentre Mall! This TRUE LEGAL FOURPLEX generates $74,400 in annual rental revenue with excellent tenants in place and strong upside for future rent increases—a rare and highly sought-after asset in this prime, transit-oriented location. Purpose-built as a fourplex (NOT a converted duplex like many others on the market), this solid investment offers over 4,320 SQ.FT. of total living space across four fully self-contained units, an extremely rare configuration in today’s market. Each unit features three bedrooms, its own private entrance, a dedicated furnace, separate electrical meter, individual hot water tank, in-suite washer and dryer, ample storage, a fenced private yard, and a dedicated parking stall—a combination that consistently attracts quality, long-term tenants and supports strong rental demand. Two of the units have been completely renovated throughout, while a third unit has received numerous updates including a new dishwasher, fresh paint, new baseboards, updated window coverings, and new closet doors. The fourth unit is occupied by long-term tenants and has also seen improvements, including bathroom upgrades, a new washing machine, and a new hot water tank. Additional property-wide upgrades include new windows and patio doors, high-efficiency furnaces, updated hot water tanks, and various cosmetic improvements, making this a turn-key investment with immediate cash flow and long-term upside. Located in a high-demand Southwest location with consistent tenant appeal, excellent access to transit, shopping, and amenities, and strong tenants already in place, this is a rare opportunity to acquire a LEGAL fourplex that truly checks every box for investors. If you’ve been searching for a proven income property with stability, scale, and future potential—THIS IS IT! More detailsListed by Real Broker- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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642 & 646 Rangeview Street SE in Calgary: Rangeview Full Duplex for sale : MLS®# A2276414
642 & 646 Rangeview Street SE Calgary T3M 2K1
$1,340,000Multi-Family- Status:
- Active
- MLS® Num:
- A2276414
- Floor Area:
- 1,804 sq. ft.
Rare opportunity to own two separately titled, 2024-built luxury homes in the award-winning community of Rangeview. This impeccably crafted TRUMAN-built package offers immediate cash flow with legal basement suites already generating over $87,000 in gross annual income. Both sides offer mirrored layouts with distinct, high-end aesthetics: one side features a sophisticated "New York" dark palette, while the other offers a crisp, modern "L.A. White" finish. The upper units feature 3 bedrooms and 2.5 bathrooms across a sun-drenched, open-concept main floor. Experience soaring 9’ ceilings and luxury vinyl plank (LVP) flooring throughout. The expansive kitchens serve as the home's epicenter, boasting quartz countertops, extended full-height soft-close cabinetry, stainless steel appliances, and a massive pantry. Upstairs, a central bonus room leads to the primary bedroom, complete with a generous ensuite and walk-in closet. Two additional spacious bedrooms and a dedicated laundry room provide ultimate functionality. The legal basement suites were purpose-built for privacy and comfort. Each 1-bedroom, 1-bathroom legal suite features a separate entrance, LVP flooring, independent laundry, and an open-concept kitchen with ample cabinetry and a truly spacious living area. Each side is complete with professional landscaping, a fully fenced yard, and a double detached garage. Located just minutes from the Calgary South Health Campus, major retail hubs, and Stoney Trail, this turn-key property is the ultimate addition to any investment portfolio or the perfect multi-generational living setup. More detailsListed by RE/MAX First- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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1933 25 Street SW in Calgary: Richmond 4 plex for sale : MLS®# A2270237
1933 25 Street SW Calgary T3E 1W8
$1,395,000Multi-Family- Status:
- Active
- MLS® Num:
- A2270237
- Floor Area:
- 2,261 sq. ft.
For more information, please click the "More Information" button. Great opportunity to own a fourplex in the highly sought-after community of Killarney. This bi-level style building features two upper and two lower separate living accommodations, each with a separate entrance, offering privacy and convenience for all residents. Every unit includes three bedrooms and 1.5 bathrooms, spanning spacious living area with a cozy fireplace and in-suite laundry for added comfort. All utilities are separately metered, ensuring ease of management for the owner. The property is ideally situated on a beautiful, quiet, and tree-lined street with close proximity to downtown amenities. Please note that this property was originally built as a fourplex—it is not a converted duplex. The property is currently under renovation, maintaining its charm while adding modern updates. An exceptional investment opportunity in the heart of South Calgary! This purpose-built fourplex offers strong rental potential, future redevelopment possibilities, and an unbeatable location just minutes from downtown, Marda Loop, and vibrant 17th Avenue. More detailsListed by Easy List Realty- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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A,B,C,D,E 1917 24 Street SW in Calgary: Richmond Apartment for sale : MLS®# A2268473
A,B,C,D,E 1917 24 Street SW Calgary T2E 9C6
$999,900Multi-Family- Status:
- Active
- MLS® Num:
- A2268473
- Floor Area:
- 2,131 sq. ft.
Fantastic opportunity to own a fully renovated 5-unit multi-family investment property in the heart of Richmond—just steps from transit, shops, and amenities. This property features five total units, each offering 1 bedroom and 1 bathroom. Currently, four of the five units are rented, generating a strong monthly income of $5,725 ($68,700 annually), with leases in place for all rented suites. With the additional of Unit E into the rental pool, monthly rent could go up to at least $6,725 ($80,700 annually). Each unit underwent a full renovation, ensuring low maintenance and modern appeal for years to come. Recent upgrades include a new roof, new sliding doors, newly paved parking area, automated heating and alarm systems, newer hot water heater, and newer furnaces. The property also includes a detached accessory building/shop offering additional rental income potential. An ideal turn-key revenue property in one of Calgary’s most desirable inner-city neighbourhoods! More detailsListed by RE/MAX House of Real Estate- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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4704 14 Street NW in Calgary: North Haven Full Duplex for sale : MLS®# A2260166
4704 14 Street NW Calgary T2K 1J6
$825,000Multi-Family- Status:
- Active
- MLS® Num:
- A2260166
- Floor Area:
- 1,920 sq. ft.
Rare investment opportunity! This impeccably renovated full duplex on 14th Street showcases breathtaking views of Nose Hill Park. Each side features a thoughtfully designed main floor with vaulted ceilings, a gourmet kitchen boasting new cabinets, granite countertops, and stainless-steel appliances. The expansive living and dining areas provide an ideal setting for entertaining. Two cozy bedrooms and a bathroom complete this level. The unfinished basements offer endless potential for customization. Outside, a spacious backyard with parking for four vehicles and convenient alley access. Experience the epitome of luxury living with easy access to amenities and the serene beauty of Nose Hill Park right at your doorstep. Don't miss this prime real estate opportunity! More detailsListed by Optimum Realty Group- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
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城市文章介绍
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口碑推荐
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卡尔加里房产赵辉：我们全家要感谢赵辉赵哥这位房屋专家对我们的大力支持和帮助
卡尔加里房产赵辉：从众多的经纪中找到能惠及自己的
卡尔加里房产赵辉：赵先生始终保持非常客观的态度,房屋中存在的优缺点和风险都充分地给我们说解,并提供了许多宝贵的专业意见
卡尔加里房产赵辉：值得信赖的专业地产经纪
卡尔加里房产赵辉：给我们提供了大量的房屋专业经验，使我们少走了很多弯路
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卡尔加里房产赵辉：你熱心的幫忙及交屋前的驗房惠我良多/ 服务很好，为客户着想，所以我第二次买屋子还是找你
卡尔加里房产赵辉：值得信赖而非常耐心的专业地产经纪人-赵辉 客户 Carmen
卡尔加里房产赵辉：是一位非常专业，细心，敬业，有着极高的职业责任感的经纪，在房产经纪中可以说独树一帜
卡尔加里房产赵辉：老赵是一个稳重的人，而且回答问题非常专业，并且没有一般中介那种强烈的诱导意图，这一点让我很有好感
卡尔加里房产赵辉：半年里赵晖依然是用他的专业知识,提示我们规避掉房屋结构性的问题
卡尔加里房产赵辉：现在我们已经是很好的朋友。我信任赵晖
几年下来觉得赵先生是一个朋友般的，可信赖的，非常有耐心有着验房师经历的房产经纪人，没有push, 态度始终如一，让人很放松!-赵辉 卡尔加里地产中介
真心感谢赵晖各方面的经验，让我省心省力，顺心顺意的完成在加拿大的首次购房规划！卡尔加里房地产经纪人
我们全家和赵晖也已经成为很好的朋友，真心推荐买房小白找他帮忙，一定能够选到心仪的房子-卡尔加里地产经纪人
我的两个朋友也在他的帮助下买到了满意的房子。他确实是一位值得信赖的专业人士！（卡尔加里房地产经纪人）
晖哥非常专业，对房屋很了解（卡尔加里地产经纪人）
卡尔加里良心地产经纪
happy with the house and grateful for the insight and service Hui has offered during the purchase
卡尔加里房产赵辉：會把我們外行看不到的缺點說出來，卡尔加里房地产
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