加拿大住房按揭贷款的贷款期与还款期通常是不一致的。例如，贷款期5年，还款期30年，即，与银行签署的贷款合同有效期5年，预计30年还完。贷款到期后，如果不是一次性还清，就会涉及到贷款续约或转银行的问题。贷款该如何续约，在初次贷款选择银行和贷款产品时就需要考虑，而大多数消费者在贷款到期之前才会开始了解贷款续期的程序和所涉及的问题。笔者根据自己的工作经验，帮大家总结了贷款续约或转银行的如下注意事项。 

消费者在最初选择按揭贷款时，会根据当时的家庭财务状况以及不同银行的产品和利率做出决定。贷款到期后，借款人有权利根据目前的家庭情况以及市场情况做出重新安排。一次性还清，在原金融机构续约，或从其他银行借款偿还原金融机构，重新安排的结果大致可以分为上述三类。总之，贷款到期后，消费者有重新选择的机会，当然，原借款银行也有重新选择的机会。根据加拿大现行法律法规，金融机构需要在贷款到期至少21天前有效通知借款人续约具体内容或不再续约的决定。续约的具体内容包括：利率，贷款期，有效期，还款频率等。一些金融机构有时会附上贷款续期合同。其实，很多消费者在接到续约通知之前就已经开始计划下一期按揭贷款的安排了。贷款到期，解除合同时，对消费者来说既是一种解脱，又是一个机会，如何充分利用这一机会，消费者需要考虑如下问题：l 对原贷款机构的产品和服务是否满意；l 目前的家庭财务状况是否允许提高月供款，从而加速还清按揭贷款；l 是否需要改变付款频率；l 是否打算在到期时大比例提前还款；l 是否打算将家庭债务进行重组，例如，增加按揭贷款，用于偿还信用卡负债；l 是否需要增加贷款金额，用于房屋装修或其他家庭开支；l 是否准备近期卖房；l 是否需要申请房屋净值信用额度，或增加额度，以备不时之需或投资； 

很多消费者在初次选择按揭贷款时没有经验，太过注重利率，而忽略了产品上的差异和服务上的优劣。经过一个贷款其后才发现原贷款金融机构的服务和产品上的缺陷。还有一些消费者，由于从前的财务或信用状况不好，被迫选择了B类贷款机构的产品和服务。还有，一些消费者自身财务状况发生变化，需求也相应变化，需要更加全面的产品和服务，而原贷款机构无法满足。笔者在工作中发现，很多消费者因原贷款机构没有房屋净值信用额度；在原贷款银行无法做blend and extend；封闭式按揭贷款提前还款额度无法满足需求等，而希望转银行。房屋净值额度对于统筹管理家庭资产和负债非常重要，而一些从中国来的新移民并不了解这一产品，在当初做出贷款决定时也没有把这一产品考虑在内，在加拿大生活一段时间之后，才发现这一产品。选择固定利率的消费者，如果原贷款银行无法办理blend and extend，就只能将原固定利率的按揭贷款坚持到底，即使在贷款期间出现比较优惠的利率也无能为力。绝大多数中小金融机构没有“blend and extend”产品和服务，所以最初选择贷款银行时，是选择大银行还是小机构，是有很大区别的。选择浮动利率的消费者，在遇到最优惠贷款利率P不断上涨的情况下，非常希望能够加速还款，如果原贷款机构只允许每年大比例金额还款的额度只有10%原贷款本金的情况下，即使手中有现金也很难将贷款余额降下来。 

如果当初选择正确，在贷款到期后，选择一个适合自己的贷款期和利率即可，没必要一定换银行。通常情况下，只要借款人在原贷款合同期内能够履行合约，如期付款，则贷款银行不会主动提出不再续约。加拿大的商业银行在贷款续约时通常不会收费，但有些非银行金融机构会收费。例如，某金融机构对贷款到期续约收费有如下说明：Up to $500 Fee for Renewal or Conversion of Mortgage Loan for Residential Properties: Payable for each loan renewal or auto-renewal and for each conversion from an adjustable to a fixed rate. In the case of non-residential properties, the fee is ¼ of 1% of the outstanding principal balance or $500.00, whichever is greater. 很多人在讨论选择大银行和小金融机构在按揭贷款上的区别，看看收费上的不同就知道有什么区别了。选择中小金融机构按揭贷款时，切忌要事先拿到收费表，再做出最后决定。细心的读者会发现，很多金融机构财务报表中，利差收入小于手续费收入。

什么时候，通过什么途径获得最优惠利率的信息呢？通常情况下，原贷款到期前4个月就可以开始着手准备了。有些银行允许贷款到期前90天以内“提前续约”（early renewal），如果恰好此时有很好的折扣利率，借款人可以提前终止原合同，到期前90天之内就可以执行下一期的利率了。例如，原贷款利率5.7%，还有90天到期，如果今天就有比较低的折扣利率，可以立刻申请执行“提前续约”。很多人选择通过贷款经纪获知各家银行的最优惠贷款利率，其实，贷款经纪可以代理的银行是有限的，RBC，BMO，HSBC，CIBC等按揭贷款业务比较活跃的银行，都不接受贷款经纪的代理，要想获悉这些银行的贷款利率，需要自己动手。大多数中小金融机构，不允许“提前续约”，这也是大银行与中小金融机构的区别。 

如果最终决定换银行，罚款和手续费是首要的问题。如果贷款没到期，又是封闭式贷款，多少都会有罚款。如果换银行，至少会发生解除抵押费和管理费。这些费用每个银行的标准不一样，需要借款人自己在原贷款合同中找到准确数字。至于罚款，借款人自己没有办法计算出准确的数字，需要查询原贷款机构。另外一项费用就是律师费，这里面的学问很大。如果当初注册抵押的时候，以常规按揭贷款注册抵押，换银行的时候无需律师介入，就可以将抵押转给另一个银行。如果是组合按揭抵押方式，则需要律师介入，一定会发生律师费。如果原贷款是常规按揭贷款注册抵押，转到另外银行时改为组合按揭贷款注册方式，后者可以使用FCT（First Canadian Title）公司作为内部律师来完成抵押注册，费用相对较低。 

   通常情况下，贷款未到期的情况下，借款人缴付了罚款和相关费用就可以转出来，而在一些中小金融机构的贷款却并非如此，消费者需要认真了解贷款合同条款。这是一位网友在rolia论坛上发的帖子，大家可以去搜索一下是哪个贷款机构在这方面有限制：“转贷款遇见麻烦了，求助！！一年前，我们签贷款合同时， Mortgage Broker说随时可以转出来，只用交三个月的利息作为罚款，并让我看第一页的条款，确实是这样写的，可是我要转出时，银行说在合同的第十页有一条，转出的条件是必须卖掉房子。”在贷款续期时，如果银行联络不到借款人，无法确定下一期贷款的期限或贷款产品，银行会根据自己的内部惯例将贷款自动延期。例如，有些银行在无法确知借款人打算时，会将按揭贷款自动续期为1年期开放式按揭贷款。 

有些人说，选择按揭贷款时，大银行和小机构没有区别，原因是，你又不是存款，怕什么？当然怕了。怕贷款到期需要讨论下期贷款时只能找到一个800电话，怕名目繁多的收费，怕没有提前续约的服务，怕没有blend and extend的产品和服务，怕没有房屋净值额度的产品，怕交了罚款也无法解除合同。。。 

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NEXT Open House details

Jan 31, 2026 12:30 PM - 02:00 PM MST

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5439 Dalrymple Crescent NW

Dalhousie Calgary T3A 1R4

$602,900

Residential beds: 3 baths: 3.0 1,155 sq. ft. built: 1972

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Open House - Jan 31, 2026

12:30 PM - 02:00 PM MST

NOTES: Open House on Saturday, January 31, 2026 12:30PM - 2:00PM

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Status:

Active

Prop. Type:

Residential

MLS® Num:

A2280374

Bedrooms:

3

Bathrooms:

3

Year Built:

1972

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PRICE DROP JAN 27! Welcome to a large bungalow in the heart of West Dalhousie. This large corner lot is situated in close proximity to the Community Centre, 3 schools in the area, and short walk to Dalhousie C-train station. The main level has 3 bedrooms and 1.5 baths. Half of the main levels flooring was recently updated with a vinyl plank. There is a large living room with a wood burning fireplace. The kitchen is sizable with black appliances and ample counter space for preparing meals. There is a separate entry at the rear of the home that leads to the lower level. The basement is fully developed with a huge rec room. A secondary kitchen could be added if the buyer wished. There are 2 large rooms that were recently rented and could be bedrooms if each window was increased to the legal size. These 2 rooms are each larger than the main floor bedrooms. The laundry is located in the basement storage room. A 3 piece bathroom with walk-in shower is off the storage room. The yard is huge with a wooden deck and leads to the oversized garage (24x22). Home is priced well given recent sales in the Community. A quick possession is possible!

General Info:

Property Type:

Residential

Property Sub Type:

Detached

Condo Type:

Not a Condo

Transaction Type:

For Sale

Possession:

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Possession Date:

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Suite:

No

Num Legal Suites:

0

Num Illegal Suites:

0

Home Style:

Bungalow

Total Living Area:

1,155 sq. ft.107 m2

Lower Level Finished Area:

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Above Grade Finished Area:

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Taxes:

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Tax Assessed Value:

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HOA Fee Includes:

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Acreage:

No

Lot Area:

6,372 sq. ft.592 m2

Lot Frontage:

58'17.7 m

Acres Cleared:

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Acres Cultivated:

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Acres Irrigated:

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Acres Leasehold:

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Acres Not Cultivated:

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Acres Freehold:

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Acres Seeded:

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Acres Tame Hay:

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Acres Treed:

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Acres Waste:

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Acres Water Rights:

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Front Exposure:

South

Reg. Size:

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Reg. Size Includes:

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Levels:

One

Total Rooms Above Grade:

4

Year built:

1972 (Age: 54)

Bedrooms:

3 (Above Grd: 3)

Bedrooms Above Grade:

3

Bedrooms Below Grade:

0

Bathrooms:

3.0 (Full:2, Half:1)

Plan:

390LK

Additional Info:

Heating:

Forced Air

Basement:

Full, Finished, Separate/Exterior Entry

Foundation:

Poured Concrete

New Constr.:

No

Construction Material:

Brick, Vinyl Siding

Structure Type:

House

Roof:

Asphalt Shingle

Ensuite:

Yes

Flooring:

Laminate, Linoleum, Vinyl Plank

Cooling:

None

Fireplaces:

1

Fireplace Details:

Brick Facing, Family Room, Wood Burning

Garage:

Yes

Garage Spaces:

2

Parking:

Double Garage Attached, Oversized

Parking Places:

4

Parking Total/Covered:

4 / -

Laundry Features:

In Basement, Lower Level

Community:

Dalhousie

Appliances:

Built-In Electric Range, Dishwasher, Dryer, Electric Stove, Microwave, Range Hood, Refrigerator, Washer, Window Coverings

Inclusions:

none

Restrictions:

None Known

Room Information:

Floor

Type

Size

Other

Main Floor

Bedroom

11'3.35 m × 10'4"3.15 m

Main Floor

Bedroom

9'11"3.02 m × 8'9"2.67 m

Main Floor

Bedroom - Primary

11'4"3.45 m × 9'4"2.84 m

Main Floor

Living/Dining Room Combination

19'8"5.99 m × 19'3"5.87 m

Main Floor

Entrance

6'7"2.01 m × 5'4"1.63 m

Lower Level

Game Room

26'5"8.05 m × 18'6"5.64 m

Lower Level

Storage

16'5"5.00 m × 11'2"3.40 m

Lower Level

Storage

12'5"3.78 m × 11'10"3.61 m

Lower Level

Furnace/Utility Room

12'10"3.91 m × 11'5"3.48 m

Bathrooms:

Floor

Ensuite

Pieces

Other

Main Floor

Yes

2

3'3" x 3'2"

Main Floor

No

4

6'6" x 4'5"

Lower Level

No

3

4'4" x 5'4"

Land Info:

Title to Land:

Fee Simple

Community Features:

Playground, Schools Nearby, Shopping Nearby, Sidewalks, Street Lights

Interior Features:

Laminate Counters, No Animal Home, See Remarks, Separate Entrance

Exterior Features:

Garden, Lighting, Playground, Private Entrance, Private Yard

Patio And Porch Features:

Deck

Lot Features:

Back Lane, Corner Lot, Landscaped, Low Maintenance Landscape, Rectangular Lot

Num. of Parcels:

0

Fencing:

Fenced

Region:

Calgary

Zone:

CAL Zone NW

Zoning:

R-CG

Listing Info:

Listed Date:

Jan 19, 2026

Days on Mkt:

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Listed by RE/MAX Real Estate (Mountain View)

Data was last updated January 30, 2026 at 12:05 AM (UTC)

Area Statistics

Listings on market:

24

Avg list price:

$329,900

Min list price:

$199,900

Max list price:

$1,800,000

Avg days on market:

32

Min days on market:

3

Max days on market:

306

Avg price per sq.ft.:

$349.34

These statistics are generated based on the current listing's property type and located in Dalhousie. Average values are derived using median calculations. This data is not produced by the MLS® system.

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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.

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