Mandy LiangRE/MAX Realtron · Broker

準備換一間更大的房子？ Ready to move into a bigger home?

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Markham · Richmond Hill · Aurora

現在，可能是
換大屋的最好時機。

Now may be
the best time
to upsize.

如果你本來就需要更大的空間。

If you already needed more space.

因為你付的是差價，不是樓價。 You're paying the gap, not the price. 你已經擁有物業。換房時你同時站在市場的兩邊：一邊賣，一邊買。你真正要負擔的，是賣出現居之後還要額外拿出多少 —— 而這個差價，今天比兩年前小得多。 You already own a home. When you upsize, you're on both sides of the market at once: selling and buying. What you actually have to cover is how much extra you need after selling your current home, and that gap is much smaller today than it was two years ago.

我一位 Markham 客戶正打算由東面搬到中部一個心儀的社區，為了孩子將來的校網。當年他們買入現居時，兩個社區之間的差價是這樣的： One of my Markham clients is planning to move from the east side to a neighbourhood they love in central Markham, for their kids' future school zoning. When they bought their current home, this was the gap between the two neighbourhoods:

兩年前，賣出現居後還要額外拿出Two years ago, extra needed after selling

$500,000

今天，同一間房子、同一個社區Today, same home, same neighbourhood

$300,000

同一個目標，同一個社區，成本少了約 $200,000。 Same goal, same neighbourhood, roughly $200,000 less.

免費下載FREE DOWNLOAD

《換大屋指南》The Upsizing Guide

13 頁，以 York Region 實際成交數據寫成。13 pages, built on actual York Region sold data.

各級房屋的實際成交價與差距Actual sold prices for each tier, and the gap between them
由賣出到新按揭的完整計算The full calculation from sale to new mortgage
$1,500,000 的分界線The $1,500,000 line
先賣還是先買：七條問題Sell first or buy first: seven questions

免費領取指南Get the free guide

填好表格即可收到，沒有壓力，沒有義務。Fill in the form and it's yours. No pressure, no obligation.

換房是一級一級走的Upsizing happens one step at a time

每一級之間的差距，才是你真正要面對的數字。The gap between each step is the number you actually have to face.

Condo多數換房人士的資產由此起步Where most people upsizing start building equity

Townhouse最務實的中間一級，有空間亦有院子The most practical middle tier, with space and a yard

Detached House院子、車位，以及較理想的校網A yard, parking, and generally better school zoning

由 Townhouse 升上 Detached House，是目前最順暢的一步Townhouse to Detached House is the smoothest step right now

沒有人是為了換樓而換樓Nobody upsizes just to upsize

你想要的不是一間更大的房子，而是它換來的那段日子。You don't want a bigger house. You want the life it makes room for.

家庭成員增加A growing family

第二個孩子出生之後，原本剛好的空間就不再剛好。玩具、嬰兒車、家人來探望時的住宿，每一樣都在提醒你。After the second child arrives, the space that used to be just right isn't anymore. The toys, the stroller, where family sleeps when they visit. Every one of them is a reminder.

父母搬過來同住Parents moving in

照顧父母的同時，也希望大家有各自的空間。這通常需要多一層、多一個洗手間，或者一個獨立的出入口。Caring for your parents while everyone still has their own space. That usually means another floor, another bathroom, or a separate entrance.

孩子的學校Your kids' school

校網是少數有時限的理由。孩子入學的年份是固定的，錯過了就要等下一年，或者接受一個你本來不會選擇的安排。School zoning is one of the few reasons with a deadline attached. Enrolment years are fixed. Miss one and you wait another year, or accept an arrangement you wouldn't have chosen.

市況回落，對換房的人其實有利A softening market actually works in your favour

假設你的 Townhouse 跌了 10%，你的確少收了一筆。但你要買的 Detached House 是一個更大的數字，同樣跌 10%，以金額計就大得多。Say your townhouse drops 10%. Yes, you get less for it. But the detached home you want is a bigger number, and the same 10% drop is a much larger amount in dollar terms.

兩者之間的差價，因此縮窄。

The gap between them narrows.

等待市況回升才換房的業主，其實是在等這個差價重新擴大。Homeowners waiting for the market to recover before upsizing are, in effect, waiting for that gap to widen again.

指南內容What's in the guide

全部以實際成交數據寫成，並列明統計期間與成交宗數。Built entirely on actual sold data, with the time period and number of sales stated.

各級房屋的實際成交價Condo、Townhouse、Detached House，以及每一級之間的差距
由賣出到新按揭的完整計算一個完整例子，附空白欄讓你填上自己的數字
$1,500,000 的分界線越過這條線，兩成首期由建議變成規定 —— 大部分人事前不知道
土地轉讓稅：市界的分別離開 Toronto 市界，一宗 $1,300,000 的交易可省下約 $22,000
先賣還是先買兩條路的真實利弊，以及七條問題幫你決定
換房的正確次序哪一步先做，哪一步後做 —— 次序比速度更重要
常見錯誤，以及它們的代價每一個在一個月前都可以避免，在一個星期前就很昂貴
Actual sold prices for each tierCondo, Townhouse, Detached House, and the gap between each
The full calculation from sale to new mortgageOne worked example, with blank columns for your own numbers
The $1,500,000 lineCross it and 20% down goes from a recommendation to a requirement. Most people don't know beforehand
Land transfer tax: the city lineOutside the City of Toronto, a $1,300,000 purchase saves about $22,000
Sell first or buy firstThe honest trade-offs of each, plus seven questions to help you decide
The right order to do thingsWhat comes first, what comes later. Order matters more than speed
Common mistakes and what they costEvery one is avoidable a month out, and expensive a week out

常見問題Common questions

如果樓價繼續跌怎麼辦？What if prices keep falling?

沒有人知道哪裡是底，我不會假裝知道。但如果你已經需要更多空間，等待本身也有代價。孩子會繼續長大，父母會繼續變老，而你在一個不再合適的家裡多住一年，就是多遷就一年。真正要看的不是樓價的方向，而是你需要負擔的差價。Nobody knows where the bottom is, and I won't pretend to. But if you already need more space, waiting has a cost too. Kids keep growing, parents keep getting older, and every extra year in a home that no longer fits is another year of making do. What matters isn't which way prices are heading. It's the gap you have to cover.

我需要準備多少首期？How much do I need for a down payment?

大部分情況下，首期是由你現有物業的資產淨值支付的，不需要另外儲一筆錢。但有一條線要注意：新居價格達到或超過 $1,500,000，兩成首期由建議變成規定，任何銀行都一樣。指南裡有完整說明。In most cases, the down payment comes from the equity in your current home, not from separate savings. But there's one line to watch: once your new home is priced at or above $1,500,000, 20% down goes from a recommendation to a requirement, at any bank. The guide explains it in full.

應該先賣還是先買？Should I sell first or buy first?

沒有放諸四海皆準的答案。先賣，你清楚知道預算，議價時更有優勢，但可能要短期租住。先買，你不會錯過心儀的房子，但要同時負擔兩個物業。其實還有第三條路：同步成交 —— 賣出與買入在同一天或相差數天完成。指南裡有七條問題幫你判斷。There's no one-size-fits-all answer. Sell first and you know exactly what your budget is and negotiate from a stronger position, but you may need to rent short-term. Buy first and you won't miss the home you want, but you'll carry two properties. There's also a third path: simultaneous closing, where your sale and purchase close on the same day or within a few days. The guide has seven questions to help you decide.

我還沒決定要不要搬，可以先了解嗎？I haven't decided whether to move. Can I still look into it?

可以，而且應該。確定現有物業的市值、了解按揭罰息與可負擔範圍，這兩件事不用花錢，一個星期就能完成，而且不需要你承諾任何事。即使你打算一年後才行動，現在了解清楚只有好處。Yes, and you should. Establishing what your current home is worth, and finding out your prepayment penalty and affordable range, costs nothing, takes about a week, and doesn't commit you to anything. Even if you're planning to act a year from now, getting clear now only helps.

Markham · Richmond Hill · Aurora

Strategy > Hype. 換樓，先算清楚。 Upsizing starts with the numbers.

我不會在第一次見面就帶你去看房子。換樓首先是財務與生活的規劃決定，其次才是找房子。我會先問你為什麼想搬，確定你現有物業的真實市值，再請你與按揭專員確認可負擔的範圍。 等這三件事清楚了，我們才開始看房。I don't take clients to see homes on the first meeting. Upsizing is a financial and life planning decision first, and a house hunt second. I'll start by asking why you want to move, establish what your current property is really worth, then have you confirm your affordable range with a mortgage specialist. Once those three things are clear, we start looking at homes.

選擇大型地產公司，你的物業往往只是眾多盤源中的一個；在我這裡，你得到的是一對一的規劃，而且賣出與買入由同一個人負責到底 —— 價格、日期、策略，全部接得上。With a large brokerage, your home is often one listing among many. With me, you get one-on-one planning, and the same person handles both your sale and your purchase from start to finish, so pricing, dates, and strategy all line up.

尤其在市況不明朗的時候，我不希望客戶按一個不切實際的售價去做計劃。寧願一開始就說實話。Especially when the market is uncertain, I don't want clients planning around a sale price that isn't realistic. I'd rather be straight with you from the start.

預約 15 分鐘通話Book a 15-min call 索取免費換大屋指南Get the free Upsizing Guide

$30M+

年度成交額Annual sales volume

10+

年地產經驗Years in GTA real estate

Broker

RE/MAX Realtron

直接聯絡 MandyContact Mandy directly

不想填表格也可以。打電話、傳短訊或 WhatsApp 都行。Rather not fill in a form? Call, text, or WhatsApp.

致電 647-402-3776Call 647-402-3776 傳短訊Text WhatsApp

客戶怎麼說What clients say

5.0 ★★★★★ Google 平均評價Average Google rating 在 Google 查看評價 →See reviews on Google →

"We listed our detached home in Markham during a really uncertain time…"

Google 評價　·　Markham 賣家Google review · Markham seller

"…selling our house with our satisfied price while the market is so slow…"

Google 評價　·　賣家Google review · Seller

"…strong negotiation skills helped us secure the right property and save money…"

Google 評價　·　買家Google review · Buyer

評價原文為英文，未經修改。Reviews shown as written. 在 Google 查看評價 →See reviews on Google →

用 15 分鐘，把數字弄清楚Fifteen minutes to get the numbers straight

我會先了解你現在住在哪裡、想搬到哪裡，然後告訴你以你的數字，下一級是否可行，以及現在是不是合適的時機。沒有壓力，沒有義務。即使你打算一年後才行動，這 15 分鐘同樣有用。I'll start by understanding where you're living now and where you'd like to move, then tell you whether the next tier works for your numbers, and whether now is the right time. No pressure, no obligation. Even if you're planning to act a year from now, these 15 minutes are still worth it.

現在，可能是換大屋的最好時機。

Now may bethe best timeto upsize.