抢Offe时，您考虑过Mortgage细节吗？

Posted on by admin

房市持续火热，抢Offer异常激烈，若能下无条件Offer（Firm Offer），那成功率会相对比较大，还有机会以较低的价格胜出。

若要下无条件Offer，预先的贷款准备必不可少，否则就可能抢Offer一时爽，办Mortgage时一败涂地。今天就小结一些容易对Mortgage产生影响的环节，以备参考。

      首先是Down Payment的安排，基本上银行或贷款机构都会根据Down Payment的在账时间要求相应的文件和证明，在规定时间内大额入账尤其是海外电汇，都会增加文件要求量和额外的说明。另外，不要笃信一定能用购房价办理贷款，在地产市场激烈变动的情况下，经常会出现贷款银行评估价低于购买价的情况，那样就需要提高Down Payment比例，或者承担额外的保险费用才有机会得到贷款。所以Down Payment最好略宽裕，或有备用方案，比如是否有额外的HOLOC或资产可变现等，若临时获得亲友馈赠也需提供相关的文件。

      其次要注意自己的信用历史，经常有贷款人在调取信用报告后才发现自己的信用并没有想象中高。一旦出现信用分数偏低，就要逐一分析原因，有些问题是可以被解决的。比如信用卡逾期对于信用的伤害非常大，但有些特例是可以向银行解释，得到特批的。还有时归还过高的信用卡消费也可以适当提高信用分。信用报告是否及时更新了最新情况也是需要核对的，经常有些欠款甚至罚款诉讼已经解决，但未及时在信用局更新。这些问题的解决都需要时间，若能提前发现问题，就有机会提前弥补，否则到了最后关头可能会因时间关系功亏一篑。

      就算下的是Condition Offer，若不能申请到Mortgage，还是最终白高兴一场，买卖双方合同不生效。所以最好提前跟贷款经纪沟通，第一时间提供文件，在专业人士的帮助下，尽量审核解决贷款隐患。

      除了上述个人准备的文件，所购买物业的状况也可能对贷款产生影响，比如有些曾经的大麻屋，就算现在已经恢复，也很难获得贷款；还有一个贷款的难点甚至是可以说是禁区就是Rooming House；另外还有些特别年久的老旧公寓楼，可能由于一些养护的问题，维护费特别高，也会被银行或贷款公司列入黑名单。这些物业方面的情况今日就不做赘述，若大家有兴趣，今后再另文详述。

55万以下 duplex 全新双拼 半独立

Forgot password Extend Verify Contact
1-6/44

  • 146 Belvedere Crescent SE in Calgary: Belvedere Semi Detached (Half Duplex) for sale : MLS®# A2274291

    146 Belvedere Crescent SE Belvedere Calgary T2A 7G2
    Main Photo: 146 Belvedere Crescent SE in Calgary: Belvedere Semi Detached (Half Duplex) for sale : MLS®# A2274291

    146 Belvedere Crescent SE Calgary T2A 7G2 Belvedere

    $524,900
    Residential
    Status:
    Active
    MLS® Num:
    A2274291
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,504 sq. ft.
    Brand new 'TALO' half duplex floorplan by Rohit Homes, with unmatched design interiors and striking exteriors to create elevated living. Featuring 1500+ sq ft, 3 bed/2.5 bath + Bonus, separate entrance. Note: This unit has not yet started construction. All Perfectly located In SE Calgary's 'BELVEDERE', close to green space, east hills, easy access to downtown and highways. Step inside to an expansive open floor plan that seamlessly connects living/dining and kitchen. KITCHEN FEATURES: SS appliances, quartz counters, large island (with place for bar stools), designer cabinets, boutique lighting - a perfect place to gather and create masterful meals. Off the kitchen is the dining, mid room and half bath. The TALO plan offers large windows across the back and front, and with the high ceilings as well as open floor plan, it leaves the home feeling bright and inviting. Upstairs, find 3 good size bedrooms, bonus room, laundry, 2 full baths. The primary retreat includes a walk in closet, and spa like retreat full en-suite. Ensuite features: Single vanity, window, bath/shower combo , quartz counters and beautiful tile work. The lot features alley access in the back to a concrete parking pad. Located just outside the ring-road, east of Stoney Trail, offering quick access to highways and other amenities on the southeast side of Calgary. All pictures and 3D tours are of the 'TALO' floorpan that is completed, your unit may have different (colors/finishings/spec upgrades/design interior/elevation) depending on Lot - confirm with builder. At Rohit Homes, we know it’s not just about having a functional floor plan, it’s about having a space that you’re proud to show off. Each of our homes features a distinct look that is inspired by you - our customers. Built by a 4-time Home Builder of the Year with Peace-of-mind 1-2-5-10 year new home warranty. Unparalleled level to living awaits. Note: The listed price includes GST - The First-Time Home Buyers' GST Rebate could save you up to $50,000 on a new home! You must be 18+, a Canadian citizen or permanent resident, and haven't owned or lived in a home you or your spouse/common-law partner owned in the last four years. Terms and conditions are subject to the Government of Canada/CRA rules and guidelines. *Visit show home at 318 sora way SE Calgary mon-thurs 4-7pm, sat/sunday 2-5pm. Self guided tours available outside those times! More details
    Listed by RE/MAX Real Estate (Mountain View)
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 231 Sora Terrace SE in Calgary: Hotchkiss Semi Detached (Half Duplex) for sale : MLS®# A2274292

    231 Sora Terrace SE Hotchkiss Calgary T3S 0M1
    Main Photo: 231 Sora Terrace SE in Calgary: Hotchkiss Semi Detached (Half Duplex) for sale : MLS®# A2274292

    231 Sora Terrace SE Calgary T3S 0M1 Hotchkiss

    $499,900
    Residential
    Status:
    Active
    MLS® Num:
    A2274292
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,477 sq. ft.
    Brand new 'TALO' half duplex floorplan by Rohit Homes, with unmatched design interiors and striking exteriors to create elevated living. Featuring nearly 1500+ sq ft, 3 bed/2.5 bath + Bonus, separate entrance. All Perfectly located In SE Calgary's 'Sora in Hotchkiss', close to a park, featuring a pond, paths, easy access to major highways and more. Step inside to an expansive open floor plan that seamlessly connects living/dining and kitchen. KITCHEN FEATURES: SS appliances, quartz counters, large island (with place for bar stools), designer cabinets, boutique lighting - a perfect place to gather and create masterful meals. Off the kitchen is the dining, mid room and half bath. The TALO plan offers large windows across the back and front, and with the high ceilings as well as open floor plan, it leaves the home feeling bright and inviting. Upstairs, find 3 good size bedrooms, bonus room, laundry, 2 full baths. The primary retreat includes a walk in closet, and spa like retreat full en-suite. Ensuite features: Single vanity, window, bath/shower combo, quartz counters and beautiful tile work. The lot features alley access in the back to a concrete parking pad. Located just outside the ring-road, east of Stoney Trail, offering quick access to highways and other amenities on the southeast side of Calgary. All pictures and 3D tours are of the 'TALO' floorpan that is completed, your unit may have different (colors/finishings/spec upgrades/design interior/elevation) depending on Lot - confirm with builder. At Rohit Homes, we know it’s not just about having a functional floor plan, it’s about having a space that you’re proud to show off. Each of our homes features a distinct look that is inspired by you - our customers. Built by a 4-time Home Builder of the Year with Peace-of-mind 1-2-5-10 year new home warranty. Unparalleled level to townhome living awaits. Note: The listed price includes GST - The First-Time Home Buyers' GST Rebate could save you up to $50,000 on a new home! You must be 18+, a Canadian citizen or permanent resident, and haven't owned or lived in a home you or your spouse/common-law partner owned in the last four years. Terms and conditions are subject to the Government of Canada/CRA rules and guidelines. *Visit show home at 318 sora way SE Calgary mon-thurs 4-7pm, sat/sunday 2-5pm. Self guided tours available outside those times! More details
    Listed by RE/MAX Real Estate (Mountain View)
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 138 Sora Gardens SE in Calgary: Hotchkiss Semi Detached (Half Duplex) for sale : MLS®# A2273290

    138 Sora Gardens SE Hotchkiss Calgary T3S 0V3
    Main Photo: 138 Sora Gardens SE in Calgary: Hotchkiss Semi Detached (Half Duplex) for sale : MLS®# A2273290

    138 Sora Gardens SE Calgary T3S 0V3 Hotchkiss

    $519,900
    Residential
    Status:
    Active
    MLS® Num:
    A2273290
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,427 sq. ft.
    THERE’S A SPECIFIC KIND OF BUYER WHO THRIVES IN A BRAND-NEW COMMUNITY: the one who sees fresh pathways, brand-new parks, and a neighbourhood just beginning to take shape — and thinks, “Perfect. I get to grow with this place.” If that’s you, WELCOME TO SORA! The ponds are in, the green spaces are mapped, the playgrounds are ready for their first round of neighbourhood kids, and the long-term plan is already well underway. And the home itself? It’s refreshingly practical. The Finley skips the gimmicks and focuses on function: a main floor with real circulation (no odd dead corners), a living room that fits an actual sofa, a kitchen with taller 42" cabinets, QUARTZ COUNTERTOPS, a 400 CFM CHIMNEY HOODFAN, and storage solutions that feel designed by someone who has actually unloaded groceries before. The colours stay calm — neutral wood-look LVP with subtle undertones, rich dark cabinetry, and matte black accents — so your furniture doesn’t have to fight for attention. Upstairs, the primary bedroom gets a surprisingly cheerful perk: a WALK-IN CLOSET WITH A WINDOW, making it feel more like a tiny dressing room than a storage space. QUARTZ IN BOTH FULL BATHS keeps the finishes consistent, and the laundry is conveniently located on the upper floor, saving you from the dreaded “two-flights-of-stairs-with-a-basket” routine. The basement, though, is the real long-term win: SEPARATE SIDE ENTRY, 9' FOUNDATION WALLS, 200-AMP PANEL, with BATHROOM, LAUNDRY AND BAR SINK ROUGH-INS ready to go when you are. Future-you is going to be very smug about that. Out back, you’ve already got the 20'×20' parking pad and a rear deck for your first Sora summer. Here’s the thing about buying early in a new community: the perks accumulate quietly. You learn the WALKING PATHS before they hit the brochures, you MEET NEIGHBOURS before everyone retreats behind mature trees, and you get to watch EVERYDAY CONVENIENCES appear one by one — PARKS, SCHOOLS, SHOPS — until suddenly you’re the “original owner” people ask for advice. If a MOVE-IN READY HOME WITH LONG-TERM POTENTIAL is what you’ve been waiting for, go ahead and book a showing — this one deserves a walk-through. • PLEASE NOTE: Photos are of a finished SHOWHOME of the same model – fit and finish may differ on finished spec home. Interior selections and floorplans shown in photos. More details
    Listed by CIR Realty
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 174 Marmot Green NW in Calgary: Glacier Ridge Semi Detached (Half Duplex) for sale : MLS®# A2273836

    174 Marmot Green NW Glacier Ridge Calgary T3R 2J8
    Main Photo: 174 Marmot Green NW in Calgary: Glacier Ridge Semi Detached (Half Duplex) for sale : MLS®# A2273836

    174 Marmot Green NW Calgary T3R 2J8 Glacier Ridge

    $539,900
    Residential
    Status:
    Active
    MLS® Num:
    A2273836
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,400 sq. ft.
    Welcome to this modern Morrison Homes 3-bedroom duplex in the sought-after community of Glacier Ridge. The main floor offers an inviting living area with an electric fireplace, knock-down ceilings, vinyl flooring, and a stylish kitchen complete with a central island, pantry, quartz countertops, a built-in microwave, and a fridge with a water line. A half bath on this level provides added convenience for guests. Upstairs features three generous bedrooms including the primary bedroom with its own 4-piece ensuite, plus a second 4-piece bathroom and a convenient laundry area. The basement includes a separate side entrance, a 9’ foundation, and rough-ins for a future suite (a secondary suite would be subject to approval and permitting by the city/municipality) offering excellent potential for added living space or income generation. Outside, you’ll find a deck with a built-in gas line for your BBQ, plus a gravel parking pad providing easy off-street parking. Glacier Ridge Village is expected to open in 2026 and will feature a skating ribbon, walking paths, basketball courts, an all-ages playground, spray park, tennis court, ice rink, patio spaces, firepit, and a toboggan hill. Inside, residents will enjoy a gymnasium, rentable rooms for programs and private events, banquet space, and welcoming seating and gathering areas. Located in one of Calgary’s newest and most desirable communities, this home blends modern comfort with exceptional future amenities. More details
    Listed by KIC Realty
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 288 Rangeview Way SE in Calgary: Rangeview Semi Detached (Half Duplex) for sale : MLS®# A2273312

    288 Rangeview Way SE Rangeview Calgary T3S 0L5
    Main Photo: 288 Rangeview Way SE in Calgary: Rangeview Semi Detached (Half Duplex) for sale : MLS®# A2273312

    288 Rangeview Way SE Calgary T3S 0L5 Rangeview

    $524,900
    Residential
    Status:
    Active
    MLS® Num:
    A2273312
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,480 sq. ft.
    THE BEST PART OF MOVING INTO A BRAND-NEW COMMUNITY ISN’T THE “NEW.” IT’S THE BLANK SPACE. Rangeview Springs is still early in its story, which means you get the rare combination of a finished home and a neighbourhood that’s actively taking shape around you—PATHWAYS, PONDS, FUTURE PARKS, and a plan designed around connected streetscapes rather than cookie-cutter grids. You’re stepping into the growth curve at exactly the right time. Inside, the main floor sets a confident tone with WIDE-PLANK LVP in a warm brown tone, soft grey cabinetry, matte black hardware, and crisp White Rock quartz. The kitchen feels intentionally grounded: full-height tile backsplash, 42" uppers, BUILT-IN MICROWAVE, CHIMNEY HOODFAN, and an eating area that has room to breathe. The living room centres around a clean ELECTRIC FIREPLACE with a raised ledge—giving the room a focal point without overwhelming the space. Natural light moves well through the main floor thanks to the open sightlines and the way the plan keeps circulation routes logical rather than forced. Upstairs, the layout is refreshingly normal in the best possible way: three bedrooms, laundry where it belongs, and two well-finished bathrooms. The master gets a BRIGHT WALK-IN CLOSET with its own window, plus a streamlined 3-piece ensuite with a 60" SHOWER and classic wall tile. The secondary bedrooms are easy to furnish—no strange jogs, angles, or unusable corners. The lower level is a major value piece here. You get 9' FOUNDATION WALLS, a separate side entry, bathroom rough-in, BAR-SINK ROUGH-IN, LAUNDRY ROUGH-IN, and future-ready utilities that most new builds don’t include at this price point: an UPGRADED 80-GALLON HOT WATER TANK, 200-AMP ELECTRICAL PANEL, and a solar conduit already in place. It’s a basement designed for options, not limitations. If you want a new build that’s finished, thoughtfully designed, and positioned in a community that’s only getting better from here, THIS ONE IS ABSOLUTELY WORTH SEEING IN PERSON. • PLEASE NOTE: Photos are of a DIFFERENT Spec Home of the same model – fit and finish may differ. Interior selections and floorplans shown in photos. More details
    Listed by CIR Realty
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 220 Annette Villas NW in Calgary: Glacier Ridge Semi Detached (Half Duplex) for sale : MLS®# A2273930

    220 Annette Villas NW Glacier Ridge Calgary T3R 2K6
    Main Photo: 220 Annette Villas NW in Calgary: Glacier Ridge Semi Detached (Half Duplex) for sale : MLS®# A2273930

    220 Annette Villas NW Calgary T3R 2K6 Glacier Ridge

    $548,500
    Residential
    Status:
    Active
    MLS® Num:
    A2273930
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,529 sq. ft.
    Welcome to the Beckett - a 1529 square foot WALKOUT semi-detached home in Glacier Ridge! This home has a rear GOURMET kitchen, large welcoming living room with a cozy fireplace, great space for dining area and a double door pantry. At the back entrance is a spacious mudroom with a bench and closet and convenient main floor laundry room. Upstairs you'll find 3 generous bedrooms each with WALK IN CLOSETS, a 4 pc ensuite, 4 pc bath and a loft space for a tech desk. The color palette chosen is from the Cypress board with the vinyl plank from Aspen board. Thoughtful upgrades include 9' ceiling height in the basement, simplified SUITE ROUGH IN (for future use with approval from the City of Calgary), HERRINGBONE pattern for kitchen backsplash and upgraded appliances to name a few. Discover your forever home in Glacier Ridge, one of north west Calgary’s most anticipated communities. Here, urban living meets the wild frontier, perfectly embodying Calgary as the “Gateway to the Rockies.” Enjoy stunning architecture set against a historic landscape, creating a unique and vibrant place to call home! *Photos are representative from showhomes - home is not complete and will be ready for Spring 2026 possession. Other similar homes are available! More details
    Listed by Ally Realty
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号
1-6/44
 <  123...8  > 
Data was last updated December 7, 2025 at 08:05 PM (UTC)
Data is supplied by Pillar 9™ MLS® System. Pillar 9™ is the owner of the copyright in its MLS®System. Data is deemed reliable but is not guaranteed accurate by Pillar 9™.
The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.
powered by myRealPage.com