抢Offe时，您考虑过Mortgage细节吗？

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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

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  • 244 Annette Villas NW in Calgary: Glacier Ridge Semi Detached (Half Duplex) for sale : MLS®# A2281884

    244 Annette Villas NW Glacier Ridge Calgary T3R 2K5
    Main Photo: 244 Annette Villas NW in Calgary: Glacier Ridge Semi Detached (Half Duplex) for sale : MLS®# A2281884

    244 Annette Villas NW Calgary T3R 2K5 Glacier Ridge

    $549,900
    Residential
    Status:
    Active
    MLS® Num:
    A2281884
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,529 sq. ft.
    Welcome to the Beckett, a well-designed walkout duplex in Glacier Ridge offering just over 1,500 sq. ft. of functional living space with 9’ foundation walls and modern knockdown ceiling texture throughout. The main floor features an open-concept layout highlighted by a gourmet kitchen with a large island, solid-surface countertops throughout, two pendant lights over the island, and two-tone cabinetry with dark grey lower cabinets and island paired with lighter grey upper cabinets. Upgrades include a full-height tile backsplash, chimney-style hood fan, built-in microwave, pantry, and an upgraded French-door refrigerator with ice and water. The living room is accented by an electric fireplace, and a convenient half bathroom completes the main level. A rear mudroom provides a dedicated area for a front-load washer and dryer, enhancing everyday functionality. Upstairs offers three bedrooms including a primary bedroom with a private 4-piece ensuite, two additional bedrooms, a full bathroom, and a versatile tech area ideal for a home office or study space. The walkout basement is roughed-in for a future suite, offering excellent flexibility and long-term potential (a secondary suite would be subject to approval and permitting by the city/municipality). Exterior features include a gas line for BBQ, an 11’ x 10’ platform for outdoor enjoyment, and a rear gravel parking pad. 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, with indoor amenities including a gymnasium, rentable rooms for programs and private events, banquet space, and welcoming seating and gathering areas. More details
    Listed by KIC Realty
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 464 Cityline Way NE in Calgary: Cityscape Semi Detached (Half Duplex) for sale : MLS®# A2282053

    464 Cityline Way NE Cityscape Calgary T3N 2W9
    Main Photo: 464 Cityline Way NE in Calgary: Cityscape Semi Detached (Half Duplex) for sale : MLS®# A2282053

    464 Cityline Way NE Calgary T3N 2W9 Cityscape

    $527,990
    Residential
    Status:
    Active
    MLS® Num:
    A2282053
    Bedrooms:
    4
    Bathrooms:
    3
    Floor Area:
    1,684 sq. ft.
    The Starling is designed for extra-convenient family living. Enter the home through the foyer with spacious storage in the front closet. Ahead, you'll discover the main floor bedroom. Transform the U-shaped quartz kitchen into your sanctuary and enjoy a dining area filled with warm sunlight from the great room’s large bright windows. The extra-large mudroom and washroom with standup shower are located to the back of the home. On the upper floor you'll find the main bathroom and laundry. Bedrooms 2 and 3 are down the hall. Relax in your primary bedroom with a walk-in closet and ensuite. A separate side entrance and 9’ foundation has been added for any potential future basement development plans. Enjoy 8 solar panels. This New Construction home is estimated to be completed May 2026. *Photos & virtual tour are representative More details
    Listed by Bode Platform Inc.
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 8558 Huxbury Drive NE in Calgary: Semi Detached (Half Duplex) for sale : MLS®# A2281891

    8558 Huxbury Drive NE Calgary T2A 4Y1
    Main Photo: 8558 Huxbury Drive NE in Calgary: Semi Detached (Half Duplex) for sale : MLS®# A2281891

    8558 Huxbury Drive NE Calgary T2A 4Y1

    $549,800
    Residential
    Status:
    Active
    MLS® Num:
    A2281891
    Bedrooms:
    4
    Bathrooms:
    3
    Floor Area:
    1,685 sq. ft.
    Brand New | Semi-Detached | Built by Broadview Homes | Main Level Office | 1,685 SqFt | Open Floor Plan | High Ceilings | Top of the Line Finishes | Full Height Cabinets | Granite Countertops | Kitchen Island | Pantry | Rear Mud Room | Ample Natural Light | 4 Upper Level Bedrooms | Upper Level Laundry | Legal Suite-Ready Basement (Subject to City Approval) | Side Entry | Laundry & Kitchen Rough-ins | Deck | Rear Gravel Parking Pad | Alley Access. Welcome to the Annex model by Broadview Homes! This brand new, never lived in semi-detached home offers 1,685 sqft of modern, thoughtfully designed living space with quality upgrades throughout. The main floor features an open-concept layout with high ceilings and luxury vinyl plank flooring. At the front of the home, a private office makes the perfect workspace, while a convenient 2-piece powder room adds everyday functionality. At the rear of the home, the modern kitchen overlooks the backyard and features granite countertops, a large island with barstool seating, stainless steel appliances including a gas range, hood fan, and built-in microwave, plus stylish 42” upper cabinets with soffit and crown molding. A bright dining and living area completes the main floor, with access to a rear deck—perfect for summer BBQs (gas line included!). Upstairs, you’ll find 4 spacious bedrooms, all with plush carpeting. The primary bedroom includes a walk-in closet and a 5-piece ensuite with dual vanity, tiled flooring, and a tub/shower combo. The remaining three bedrooms share a well-appointed 4-piece bathroom, and the convenient upper-level laundry is located near all bedrooms. The basement is legal suite-ready (subject to city approval) and includes a separate side entrance, true 9’ ceilings with web joists (no dropped ceilings), second furnace & HRV, and rough-ins for a kitchen sink and laundry room—offering excellent potential for future development or rental income. Additional features include a gel-stained fiberglass front door, tile in bathrooms and laundry, a 200 AMP electrical panel, and a rear parking pad with alley access. A perfect blend of modern design, comfort, and future potential—this move-in ready home is a must-see! More details
    Listed by RE/MAX Crown
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 8550 Huxbury Drive NE in Calgary: Semi Detached (Half Duplex) for sale : MLS®# A2281894

    8550 Huxbury Drive NE Calgary T2A 4Y1
    Main Photo: 8550 Huxbury Drive NE in Calgary: Semi Detached (Half Duplex) for sale : MLS®# A2281894

    8550 Huxbury Drive NE Calgary T2A 4Y1

    $549,800
    Residential
    Status:
    Active
    MLS® Num:
    A2281894
    Bedrooms:
    4
    Bathrooms:
    3
    Floor Area:
    1,696 sq. ft.
    Brand New | Semi-Detached | Built by Broadview Homes | Main Level Office | 1,685 SqFt | Open Floor Plan | High Ceilings | Top of the Line Finishes | Full Height Cabinets | Granite Countertops | Kitchen Island | Pantry | Rear Mud Room | Ample Natural Light | 4 Upper Level Bedrooms | Upper Level Laundry | Legal Suite-Ready Basement (Subject to City Approval) | Side Entry | Laundry & Kitchen Rough-ins | Deck | Rear Gravel Parking Pad | Alley Access. Welcome to the Annex model by Broadview Homes! This brand new, never lived in semi-detached home offers 1,685 sqft of modern, thoughtfully designed living space with quality upgrades throughout. The main floor features an open-concept layout with high ceilings and luxury vinyl plank flooring. At the front of the home, a private office makes the perfect workspace, while a convenient 2-piece powder room adds everyday functionality. At the rear of the home, the modern kitchen overlooks the backyard and features granite countertops, a large island with barstool seating, stainless steel appliances including a gas range, hood fan, and built-in microwave, plus stylish 42” upper cabinets with soffit and crown molding. A bright dining and living area completes the main floor, with access to a rear deck—perfect for summer BBQs (gas line included!). Upstairs, you’ll find 4 spacious bedrooms, all with plush carpeting. The primary bedroom includes a walk-in closet and a 5-piece ensuite with dual vanity, tiled flooring, and a tub/shower combo. The remaining three bedrooms share a well-appointed 4-piece bathroom, and the convenient upper-level laundry is located near all bedrooms. The basement is legal suite-ready (subject to city approval) and includes a separate side entrance, true 9’ ceilings with web joists (no dropped ceilings), second furnace & HRV, and rough-ins for a kitchen sink and laundry room—offering excellent potential for future development or rental income. Additional features include a gel-stained fiberglass front door, tile in bathrooms and laundry, a 200 AMP electrical panel, and a rear parking pad with alley access. A perfect blend of modern design, comfort, and future potential—this move-in ready home is a must-see! More details
    Listed by RE/MAX Crown
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 130 Sora Gardens SE in Calgary: Hotchkiss Semi Detached (Half Duplex) for sale : MLS®# A2281225

    130 Sora Gardens SE Hotchkiss Calgary T3S 0L6
    Main Photo: 130 Sora Gardens SE in Calgary: Hotchkiss Semi Detached (Half Duplex) for sale : MLS®# A2281225

    130 Sora Gardens SE Calgary T3S 0L6 Hotchkiss

    $489,900
    Residential
    Status:
    Active
    MLS® Num:
    A2281225
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,283 sq. ft.
    *Additional $15,000 builder promotion available off the listed price for buyers that can take possession before the end of Feb. (while supplies last)* To view this home or see similar models please stop in the show home at 85 Sora Gate SE, Mon-Thurs 2-8, or Sat-Sun 12-5. Welcome to 632 Sora Boulevard! The open-concept main floor features a bright, modern kitchen with quartz countertops, stainless steel appliances, and a large island-perfect for family meals, busy mornings, or entertaining friends. Engineered hardwood on the main level adds durability and an upscale feel that stands the test of time. On the upper level, the primary suite provides a private retreat with ensuite and walk-in closet. Two additional bedrooms offer flexibility-space for kids, guests, or a home office. Upper floor laundry makes daily routines easier. The basement side entry adds incredible long term value, offering the potential for a private suite (pending city approval) or income generating space down the road. With no condo fees, the peace of mind that comes with a new home warranty, and thoughtful features throughout, this home is built to give strong long-term value and low maintenance. Situated with easy access to Deerfoot and Stoney Trail, commuting is simplified. Quick walk to the wetlands, walking paths, and green space, this home delivers a lifestyle that balances nature, convenience, and investment potential. *** 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.*** More details
    Listed by eXp Realty
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 129 Raven Link SE in Calgary: Rangeview Semi Detached (Half Duplex) for sale : MLS®# A2280777

    129 Raven Link SE Rangeview Calgary T3S 0V8
    Main Photo: 129 Raven Link SE in Calgary: Rangeview Semi Detached (Half Duplex) for sale : MLS®# A2280777

    129 Raven Link SE Calgary T3S 0V8 Rangeview

    $519,900
    Residential
    Status:
    Active
    MLS® Num:
    A2280777
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,455 sq. ft.
    THIS IS THE KIND OF FIRST HOME THAT LETS YOU START STRONG—and stay flexible. Cleanly planned, confidently finished, and ready right now, this 1,455 sq ft semi-detached home delivers everyday ease without asking you to trade away long-term upside. The main floor is anchored by a central kitchen that understands how real life works: QUARTZ COUNTERS, FULL-HEIGHT CABINETRY, A PROPER PANTRY, BUILT-IN MICROWAVE and a layout that keeps cooking, dining, and hosting seamlessly connected. The living room adds warmth with a sleek ELECTRIC FIREPLACE feature wall, while the FULL-WIDTH FRONT PORCH isn’t decorative—it’s usable, social, and quickly becomes part of your routine. The front elevation is finished with durable Hardie board siding, adding curb appeal that holds up over time. Upstairs, all three bedrooms are thoughtfully placed, including a generous primary with ensuite and walk-in closet, plus one of those details you appreciate more every year: UPPER-LEVEL LAUNDRY, exactly where it belongs. Downstairs is where this home quietly outperforms. A full 9’ FOUNDATION, SIDE ENTRY, an UPGRADED 80-GALLON HOT WATER TANK, and smart rough-ins (bathroom, laundry, sink) create real future flexibility—whether that’s additional living space, storage, or a layout that evolves with you over time. EV charger rough-in and solar conduit (attic to mechanical) are already in place—forward-thinking touches that make future upgrades easier, not overwhelming. Set in Rangeview Springs, a Genstar-designed community built around connected streets, generous sidewalks, and parks woven directly into the neighbourhood fabric, daily life here is intentionally easy. PATHWAYS link you to GREEN SPACES, PLAYGROUNDS, and gathering areas, while the community’s design prioritizes walkability, visibility, and a natural sense of connection as it grows. IMMEDIATE POSSESSION means no waiting, no guessing, and no “someday.” If you’re ready to step into ownership with confidence—and room to grow—this one earns a closer look. Contact your agent and book a showing TODAY! • PLEASE NOTE: Photos are of a SHOWHOME 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
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