2023-2027 加拿大外国买家购房禁令：检查生效日期、罚款、例外 Canada home purchase ban for foreign buyers: Check effective date, penalty, exceptions
加拿大政府禁止外国人购买住宅物业。 自 2023 年 1 月 1 日起，“禁止非加拿大人购买住宅物业法”禁止非加拿大人直接或间接购买该国的任何住宅物业。
从 2023 年 1 月 1 日起，将禁止外国商业企业和个人在加拿大购买住宅物业。该禁令于去年夏天获得议会批准，旨在解决住房短缺和负担能力问题。 法律对非公民移民和加拿大永久居民（包括持有临时工作许可的人、难民申请人和符合特定条件的国际学生）的购房行为作出例外规定。
新的房地产法被视为对自大流行开始以来加拿大房价上涨的回应。 外国买家大量购买，限制了供应并推高了房价。
总理贾斯汀·特鲁多的政党竞选网站称——“在未来四年内禁止外国资金在加拿大购买非娱乐性住宅物业，除非该购买被确认用于未来四年内的就业或移民。”
然而，根据加拿大房地产协会的数据，房屋销售已经呈下降趋势。 11 月份全国实际平均销售价格同比下降 12%，房屋价格指数 (HPI) 环比下降 1.4%，同比下降 4.4%。 加拿大央行一直在提高利率，这导致加拿大的抵押贷款利率上升，就像美国和其他已提高利率的国家一样。
该法案最近的修正案禁止非加拿大人购买住宅物业，并禁止外国买家购买住宅物业作为投资。 非加拿大人是指既不是加拿大公民，也不是根据《印第安人法》注册为印第安人的人，也不是永久居民的个人。 住宅财产是指任何不动产或不动产，但规定的不动产或不动产除外。
每个违反本法的非加拿大人，以及每个在明知非加拿大人被禁止的情况下，直接或间接建议、协助或教唆或试图教唆、诱导、帮助或教唆非加拿大人购买任何住宅物业的个人或实体 根据该法购买住宅物业的行为属于犯罪行为，经简易程序定罪，可处以不超过 10,000 美元的罚款。
主要重点:
《禁止非加拿大人购买住宅物业法》禁止非加拿大人在 2023 年 1 月 1 日起的 2 年内购买加拿大的住宅物业。
该法案将住宅物业定义为拥有 3 个或更少房屋的建筑物，以及半独立式住宅或公寓单元等建筑物的一部分。 法律不禁止购买具有多个单元的较大建筑物。
该法案对任何非加拿大人或任何故意协助非加拿大人并被判违反该法案的人处以 10,000 美元的罚款。 如果法院发现非加拿大人这样做，他们可能会下令出售房屋。
请注意：这不影响想要租房的非加拿大人。
Buying residential properties by foreign individuals has been banned by the Canadian government. Effective January 1, 2023, the ‘Prohibition on the Purchase of Residential Property by Non-Canadians Act’, prohibits a non-Canadian to purchase, directly or indirectly, any residential property in the country.
Purchasing residential property in Canada by foreign commercial enterprises and individuals will be prohibited beginning January 1, 2023. The ban was approved by Parliament last summer in an effort to address housing shortages and affordability issues. The law makes an exception for home purchases by non-citizen immigrants and permanent residents of Canada including those with temporary work permits, refugee claimants, and international students who meet certain criteria.
The new real estate law is seen as a response to a rise in Canadian home prices since the beginning of the pandemic. Foreign buyers bought in large numbers, limiting supply and driving up home prices.
Prime Minister Justin Trudeau’s party campaign website says – “Ban foreign money from purchasing a nonrecreational, residential property in Canada for the next four years unless this purchase is confirmed to be for future employment or immigration in the next four years.”
However, according to the Canadian Real Estate Association, home sales are already on a downward trend. The actual national average sale price posted a 12% year-over-year decline in November and the Home Price Index (HPI) declined by 1.4% month-over-month and was down 4.4% year-over-year. The Bank of Canada has been raising interest rates, which has resulted in higher mortgage rates in Canada, as it has in the United States and other countries that have raised rates.
The recent amendment to the Act prohibits the purchase of residential property by non-Canadians and has banned foreign buyers from buying residential properties as investments. A non-Canadian will mean an individual who is neither a Canadian citizen nor a person registered as an Indian under the Indian Act nor a permanent resident. Residential property means any real property or immovable, other than a prescribed real property or immovable in nature.
Every non-Canadian that contravenes this law and every person or entity that counsels induces, aids or abets or attempts to counsel, induce, aid or abet a nonCanadian to purchase, directly or indirectly, any residential property knowing that the non-Canadian is prohibited under this Act from purchasing the residential property is guilty of an offense and liable on summary conviction to a fine of not more than $10,000.
Key Highlights
The Prohibition on the Purchase of Residential Property by Non-Canadians Act prevents non-Canadians from buying residential property in Canada for 2 years starting on January 1, 2023.
The Act defines residential property as buildings with 3 homes or less, as well as parts of buildings like a semi-detached house or a condominium unit. The law does not prohibit the purchase of larger buildings with multiple units.
The Act has a $10,000 fine for any non-Canadian or anyone who knowingly assists a non-Canadian and is convicted of violating the Act. If a court finds that a non-Canadian has done this, they may order the sale of the house.
Please note: This does not apply to non-Canadians who are looking to rent.
