Sharing my Residential Real Estate insight (分享我的住宅房地產經驗)

September 27, 2008


我是關艾齡大律師。自1997年以來,我一直在卡城(Calgary)從事法律工作,擁有豐富經驗,處理超過多千宗亞省房地產交易。我想透過這個博客與大家分享一些我的經驗。我會說流利的英語、普通話和粵語,為您提供專業法律服務。歡迎與我聯絡。

電話: (403) 253-8827
傳真: (403) 253-8829
電郵: AileenNLKwan@gmail.com
地址: Suite 400,  7015 MacLeod Trail SW, Calgary

*** 注:本博客中所有內容僅供參考。請找律師提供專業及全面的法律意見。

My name is Aileen Kwan, I have been practicing law in Calgary since 1997 and have handled over thousands of residential real estate transactions in Alberta. I write this blog to share with you some insights. Please contact me for my professional legal services. I am fluent in English, Mandarin, and Cantonese.

tel: (403) 253-8827
fax: (403) 253-8829
email: AileenNLKwan@gmail.com
address: Suite 400,  7015 MacLeod Trail SW, Calgary

*** Note: All postings in this blog are for information only, please consult a lawyer for proper legal advices.

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Dower Right (配偶居住權)

December 19, 2012

Photo Credit: Flickr user @mihaibojin used under CC 2.0 license

當您想賣您的物業或將物業抵押,而您是產權上唯一的人,您需要在Transfer of Land(轉讓土地)或Mortgage documents(按揭文件)上聲明您的婚姻狀況。您只能申報以下兩種之一:

(1)單身,或

(2)您或您的配偶兩人在婚後從沒有住在物業裡。

如果您不屬於以上兩種之一,您便需要Spousal Consent(配偶的同意)。

亞省的Dower Act(配偶居住權利法)給予配偶在有生之年有權利在家裡居住。如果您想出售物業或將物業抵押,必須得到配偶voluntarily consent(自願同意)。

如果您與配偶已經separated(分居),但在法律上仍未正式離婚,無論您是分居了10個月還是10年,或您的配偶並不住在家裡,您還是需要Spousal Consent(配偶的同意)。

請隨時與我聯絡,我會說流利的英語、普通話和粵語,為您提供進一步專業法律服務

*** 注:本博客中所有內容僅供參考。請找律師提供專業及全面的法律意見。


Dower Right

December 19, 2012

Photo Credit: Flickr user @mihaibojin used under CC 2.0 license

When you are selling your home or financing your home and you are the only person on title, you need to declare your marital status on the Transfer of Land or on the mortgage document. You can only declare  one of the following:

(1) you are not married, or

(2) neither you nor your spouse has ever lived in the property within your marriage.

If you do not fall within either categories, a Spousal Consent is required.

The Dower Act in Alberta grants your spouse a life interest in the martial home which means your spouse has the right to live in the home during his or her lifetime. In order to sell or finance your material home, your spouse must voluntarily consent to the disposal or financing of the martial home.

If you are separated from your spouse but not legally divorced (it doesn’t matter whether you are separated for 10 months or 10 years, or your spouse doesn’t live in the home), a spousal consent is still required.

You may contact me for further legal advice.

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Note: All postings in this blog are for information only, please consult a lawyer for proper legal advice.


Title Insurance (產權保險)

November 25, 2012

產權保險費只需支付一次,產權保險公司便會保障因為產權的毛病或其它保單發出前影響物業的事端而造成的未來損失。產權保險可以保障業主,貸款金融機構,或雙方的損失。

產權保險得到大多數加拿大主要銀行和金融機構接受。在住宅房地產交易中,產權保險不是必要的。但一些銀行或金融機構可能以產權保險作為conditions for funding(貸款條件)之一。在某些情況下,產權保險可用來代替Surveyor’s Real Property Report (測量師房地產報告)或Estoppel Certificate(禁止反言證書)。如果買家有用Power of Attorney(授權委託書)買住宅物業、或購買的物業價值超過銀行和金融機構指定的一定金額,買家亦會被要求購買產權保險。

請隨時與我聯絡,我會說流利的英語、普通話和粵語,為您提供進一步專業法律服務

*** 注:本博客中所有內容僅供參考。請找律師提供專業及全面的法律意見。


Title Insurance

November 25, 2012

For a one-time title insurance premium, title insurance company will insure future losses due to defects of title or other events affecting the property that happened before the policy was issued. Title insurance can insure against loss to either the owner of the property, the mortgage lender, or both.

Title insurance is acceptable by most major banks and financial institutions in Canada. Title insurance is not mandatory in all residential real estate transactions. However, some banks or financial institutions may require title insurance as one of the conditions for funding. In some cases, title insurance can be used in lieu of Real Property Report or Estoppel Certificate. Some major banks also require title insurance in cases where a Power of Attorney is used for the purchase of residential properties or if the value of the purchase price is over a certain amount as specified by the banks and financial institutions.

Please contact me for further legal advice.

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Note: All postings in this blog are for information only, please consult a lawyer for proper legal advice.


Notarization of Documents required in People’s Republic of China, Hong Kong SAR, Macau SAR, and Republic of China (Taiwan) (中華人民共和國、香港特區、澳門特區及中華民國(台灣)的文件認證)

November 25, 2012

以下是People’s Republic of China(中華人民共和國),Hong Kong SAR(香港特區),及Macau SAR(澳門特區)的文件認證步驟:

  1. 確保該文件的內文及格式符合當地(中國,香港,或澳門)的法律規定。
  2. 將文件交給亞省律師認證。
  3. notarized document(認證文件)送交Alberta Justice(亞省司法部)申請Certificate of Authentication(鑑定證書)。
  4. Authenticated notarized document (鑑定認證文件)便可以送到Consulate-General of the People’s Republic of China in Calgary(中華人民共和國駐卡爾加里總領館)作最後認證。
  5. 文件便可以送回當地(中國大陸,香港,或澳門)使用。

以下是Republic of China (Taiwan)(中華民國(台灣))的文件認證步驟:

  1. 確保該文件的內文及格式符合台灣的法律規定。
  2. 將文件交給亞省律師認證。
  3. notarized document(認證文件)送交Taipei Economic and Cultural Office, Vancouver (駐溫哥華台北經濟文化辦事處)作最後認證。
  4. 文件便可以送回台灣使用。

以上程序及步驟可能隨時被更改,請向當地政府官員諮詢最新程序。

請隨時與我聯絡,我會說流利的英語、普通話和粵語,為您提供進一步服務

*** 注:本博客中所有內容僅供參考。請找律師提供專業及全面的法律意見。


Notarization of Documents required in People’s Republic of China, Hong Kong SAR, Macau SAR, and Republic of China (Taiwan)

November 25, 2012

The following are steps for notarization of documents required in People’s Republic of ChinaHong Kong SAR, and Macau SAR:

  1. Ensure the content and format of the document complies with the legal requirements as specified by the respective regions.
  2. Bring the document to your Alberta lawyer for notarization.
  3. The notarized document is then sent to Alberta Justice for a Certificate of Authentication.
  4. The authenticated notarized document can now be sent to Consulate-General of the People’s Republic of China in Calgary  for final notarization.
  5. The document can now be sent back to the respective region (China, Hong Kong, or Macau) for use.

The following are steps for notarization of documents required in Republic of China (Taiwan):

  1. Ensure the content and format of the document complies with the legal requirements of Taiwan.
  2. Bring the document to your Alberta lawyer for notarization.
  3. The  notarized document is then sent to Taipei Economic and Cultural Office, Vancouver for final notarization.
  4. The document can now be sent back to Taiwan for use.

The above procedures and steps are subject to change by their respective governments, please consult the respective government officials for their latest procedures.

Please contact me for further information.

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Note: All postings in this blog are for information only, please consult a lawyer for proper legal advice.


Condominium Reserved Fund (公寓/城市屋 儲備基金)

November 17, 2012

Condominium(公寓/城市屋)的買家必須非常小心留意condominium reserved fund(公寓/城市屋儲備基金)是否足夠。因為如果儲備基金不足,就無法支付更新、保養、維修或其他工程,新業主便可能要負責支付差欠的費用。

買家應聘請專家去審計公寓/城市屋的financial statements(財務報表)及儲備基金的狀況。在作出一個明智購買公寓/城市屋的決定之前,必須考慮清楚儲備基金是否足夠。

請隨時與我聯絡,我會說流利的英語、普通話和粵語,為您提供進一步專業法律服務

*** 注:本博客中所有內容僅供參考。請找律師提供專業及全面的法律意見。


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