{"id":8226,"date":"2026-10-03T23:35:37","date_gmt":"2026-10-03T23:35:37","guid":{"rendered":"https:\/\/liulawyers.com\/?p=8226"},"modified":"2026-10-03T23:55:55","modified_gmt":"2026-10-03T23:55:55","slug":"%e4%b9%b0%e6%88%bf%e8%bf%9d%e7%ba%a6","status":"publish","type":"post","link":"https:\/\/liulawyers.com\/vi\/%e4%b9%b0%e6%88%bf%e8%bf%9d%e7%ba%a6\/","title":{"rendered":"N\u1ebfu h\u1ed1i h\u1eadn sau khi mua nh\u00e0, li\u1ec7u c\u00f3 th\u1ec3 h\u1ee7y giao d\u1ecbch m\u00e0 kh\u00f4ng c\u1ea7n tr\u1ea3 l\u1ea1i ti\u1ec1n \u0111\u1eb7t c\u1ecdc kh\u00f4ng? Chi ph\u00ed ph\u1ea3i tr\u1ea3 khi vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng mua nh\u00e0 t\u1ea1i t\u1ec9nh Ontario c\u00f3 th\u1ec3 cao h\u01a1n nhi\u1ec1u so v\u1edbi s\u1ed1 ti\u1ec1n \u0111\u1eb7t c\u1ecdc"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"8226\" class=\"elementor elementor-8226\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-294f0f4 e-con e-atomic-element e-flexbox-base e-default-div\" data-id=\"294f0f4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"294f0f4\">\n    \t\t\t<p class=\"e-paragraph-base e-default-p\" data-interaction-id=\"c3ca28f\" data-e-type=\"widget\" data-id=\"c3ca28f\">Khi mua nh\u00e0 \u1edf t\u1ec9nh Ontario, nhi\u1ec1u ng\u01b0\u1eddi mua th\u01b0\u1eddng m\u1eafc ph\u1ea3i m\u1ed9t quan ni\u1ec7m sai l\u1ea7m:<strong>N\u1ebfu cu\u1ed1i c\u00f9ng kh\u00f4ng mu\u1ed1n mua n\u1eefa, th\u00ec t\u1ec7 nh\u1ea5t l\u00e0 s\u1ebd m\u1ea5t kho\u1ea3n \u0111\u1eb7t c\u1ecdc (deposit), v\u00e0 h\u1ee3p \u0111\u1ed3ng s\u1ebd ch\u1ea5m d\u1ee9t.<\/strong><br><br>Th\u1ef1c t\u1ebf kh\u00f4ng \u0111\u01a1n gi\u1ea3n nh\u01b0 v\u1eady. M\u1ed9t khi H\u1ee3p \u0111\u1ed3ng mua b\u00e1n nh\u00e0 (Agreement of Purchase and Sale) \u0111\u00e3 tr\u1edf th\u00e0nh h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c ph\u00e1p l\u00fd, v\u1ec1 nguy\u00ean t\u1eafc, c\u1ea3 hai b\u00ean \u0111\u1ec1u ph\u1ea3i ho\u00e0n t\u1ea5t giao d\u1ecbch theo \u0111\u00fang n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng. N\u1ebfu ng\u01b0\u1eddi mua kh\u00f4ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n r\u00fat lui \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng l\u1ea1i t\u1eeb ch\u1ed1i ho\u1eb7c kh\u00f4ng th\u1ec3 ho\u00e0n t\u1ea5t giao d\u1ecbch v\u00e0o ng\u00e0y b\u00e0n giao, th\u00ec h\u00e0nh vi \u0111\u00f3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng. Kho\u1ea3n \u0111\u1eb7t c\u1ecdc c\u00f3 th\u1ec3 ch\u1ec9 l\u00e0 kho\u1ea3n thi\u1ec7t h\u1ea1i \u0111\u1ea7u ti\u00ean.<br><br>Sau khi ng\u01b0\u1eddi mua vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi b\u00e1n th\u01b0\u1eddng s\u1ebd xem x\u00e9t vi\u1ec7c h\u1ee7y b\u1ecf giao d\u1ecbch v\u00e0 c\u00f3 th\u1ec3 rao b\u00e1n l\u1ea1i c\u0103n nh\u00e0. R\u1ee7i ro m\u00e0 ng\u01b0\u1eddi mua ph\u1ea3i \u0111\u1ed1i m\u1eb7t kh\u00f4ng nh\u1ea5t thi\u1ebft ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf s\u1ed1 ti\u1ec1n \u0111\u1eb7t c\u1ecdc \u0111\u00e3 thanh to\u00e1n.<br>V\u00ed d\u1ee5, ng\u01b0\u1eddi mua k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi \u0111i\u1ec1u ki\u1ec7n <strong>$1,500,000<\/strong> Mua m\u1ed9t c\u0103n nh\u00e0 v\u00e0 \u0111\u00e3 thanh to\u00e1n <strong>$75,000<\/strong> Ti\u1ec1n \u0111\u1eb7t c\u1ecdc. Sau \u0111\u00f3, th\u1ecb tr\u01b0\u1eddng s\u1ee5t gi\u1ea3m, ng\u01b0\u1eddi mua kh\u00f4ng th\u1ec3 vay \u0111\u1ee7 ti\u1ec1n n\u00ean cu\u1ed1i c\u00f9ng giao d\u1ecbch kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n t\u1ea5t. N\u1ebfu sau \u0111\u00f3 ng\u01b0\u1eddi b\u00e1n ch\u1ec9 c\u00f3 th\u1ec3 b\u00e1n v\u1edbi gi\u00e1 <strong>$1,350,000<\/strong> Vi\u1ec7c b\u00e1n l\u1ea1i c\u0103n nh\u00e0 n\u00e0y \u0111\u00e3 ph\u00e1t sinh <strong>$150,000<\/strong> Ch\u00eanh l\u1ec7ch gi\u00e1.<br><br>Trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 c\u00e1c c\u0103n c\u1ee9 ph\u00e1p l\u00fd c\u1ee5 th\u1ec3 l\u00e0m c\u01a1 s\u1edf, b\u00ean b\u00e1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u00ean mua vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng b\u1ed3i th\u01b0\u1eddng c\u00e1c thi\u1ec7t h\u1ea1i li\u00ean quan. Kho\u1ea3n ti\u1ec1n \u0111\u1eb7t c\u1ecdc $75,000 \u0111\u00e3 thanh to\u00e1n kh\u00f4ng t\u1ef1 \u0111\u1ed9ng c\u00f3 ngh\u0129a l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u00ean mua ch\u1ec9 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a \u1edf m\u1ee9c $75,000. Ngo\u00e0i ra, m\u1ed9t s\u1ed1 thi\u1ec7t h\u1ea1i b\u1ed5 sung v\u00e0 chi ph\u00ed h\u1ee3p l\u00fd ph\u00e1t sinh trong qu\u00e1 tr\u00ecnh b\u00e1n l\u1ea1i c\u0169ng c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n c\u1ee7a tranh ch\u1ea5p. V\u1ec1 c\u00e1c kho\u1ea3n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng cu\u1ed1i c\u00f9ng c\u0169ng nh\u01b0 s\u1ed1 ti\u1ec1n c\u1ee5 th\u1ec3, c\u1ea7n ph\u1ea3i ph\u00e2n t\u00edch c\u1ee5 th\u1ec3 d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng, c\u00e1c bi\u1ec7n ph\u00e1p m\u00e0 b\u00ean b\u00e1n \u0111\u00e3 th\u1ef1c hi\u1ec7n v\u00e0 b\u1eb1ng ch\u1ee9ng th\u1ef1c t\u1ebf.<br><br>\u201cNg\u00e2n h\u00e0ng t\u1eeb ch\u1ed1i cho vay\u201d th\u01b0\u1eddng kh\u00f4ng t\u1ef1 \u0111\u1ed9ng d\u1eabn \u0111\u1ebfn vi\u1ec7c h\u1ee7y b\u1ecf h\u1ee3p \u0111\u1ed3ng. M\u1ed9t tr\u01b0\u1eddng h\u1ee3p ph\u1ed5 bi\u1ebfn kh\u00e1c l\u00e0: khi k\u00fd h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi mua cho r\u1eb1ng vi\u1ec7c vay v\u1ed1n s\u1ebd kh\u00f4ng g\u1eb7p v\u1ea5n \u0111\u1ec1 g\u00ec, nh\u01b0ng khi g\u1ea7n \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m b\u00e0n giao, ng\u00e2n h\u00e0ng \u0111\u1ecbnh gi\u00e1 t\u00e0i s\u1ea3n th\u1ea5p h\u01a1n d\u1ef1 ki\u1ebfn, h\u1ea1n m\u1ee9c vay b\u1ecb gi\u1ea3m, ho\u1eb7c t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi mua c\u00f3 thay \u0111\u1ed5i, d\u1eabn \u0111\u1ebfn vi\u1ec7c cu\u1ed1i c\u00f9ng kh\u00f4ng th\u1ec3 huy \u0111\u1ed9ng \u0111\u1ee7 v\u1ed1n. Nhi\u1ec1u ng\u01b0\u1eddi mua th\u01b0\u1eddng th\u1eafc m\u1eafc:<strong>\u201cKh\u00f4ng ph\u1ea3i l\u00e0 t\u00f4i kh\u00f4ng mu\u1ed1n mua, m\u00e0 l\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng cho t\u00f4i vay, v\u1eady t\u1ea1i sao l\u1ea1i coi t\u00f4i l\u00e0 ng\u01b0\u1eddi vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng?\u201d<\/strong>\u0110i\u1ec1u quan tr\u1ecdng v\u1eabn l\u00e0 ph\u1ea3i xem x\u00e9t h\u1ee3p \u0111\u1ed3ng mua b\u00e1n. N\u1ebfu trong h\u1ee3p \u0111\u1ed3ng v\u1eabn c\u00f2n \u0111i\u1ec1u ki\u1ec7n t\u00e0i ch\u00ednh (financing condition) c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0 b\u00ean mua c\u00f3 th\u1ec3 r\u00fat lui m\u1ed9t c\u00e1ch h\u1ee3p ph\u00e1p theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n, th\u00ec t\u00ecnh h\u00ecnh c\u00f3 th\u1ec3 kh\u00e1c. Tuy nhi\u00ean, n\u1ebfu c\u00e1c \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng ho\u1eb7c \u0111\u01b0\u1ee3c mi\u1ec5n tr\u1eeb, ho\u1eb7c n\u1ebfu \u0111\u00f3 l\u00e0 m\u1ed9t th\u1ecfa thu\u1eadn ch\u1eafc ch\u1eafn (firm deal) kh\u00f4ng k\u00e8m theo \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n, th\u00ec vi\u1ec7c \u201ckho\u1ea3n vay ch\u01b0a \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t\u201d th\u01b0\u1eddng kh\u00f4ng t\u1ef1 \u0111\u1ed9ng mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u00ean mua.<br><br>V\u00ec v\u1eady, tr\u01b0\u1edbc khi k\u00fd \u201cfirm offer\u201d, b\u1ea1n nh\u1ea5t \u0111\u1ecbnh ph\u1ea3i \u0111\u00e1nh gi\u00e1 k\u1ef9 l\u01b0\u1ee1ng kh\u1ea3 n\u0103ng huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a m\u00ecnh, thay v\u00ec \u0111\u1ee3i \u0111\u1ebfn v\u00e0i ng\u00e0y tr\u01b0\u1edbc khi b\u00e0n giao m\u1edbi b\u1eaft \u0111\u1ea7u c\u00e2n nh\u1eafc xem ngu\u1ed3n v\u1ed1n c\u00f3 \u0111\u1ee7 hay kh\u00f4ng. Trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi mua kh\u00f4ng th\u1ec3 ho\u00e0n t\u1ea5t vi\u1ec7c b\u00e0n giao, \u0111\u1eebng \u0111\u1ec3 \u0111\u1ebfn ng\u00e0y cu\u1ed1i c\u00f9ng m\u1edbi ph\u00e1t hi\u1ec7n ra m\u00ecnh c\u00f3 th\u1ec3 kh\u00f4ng b\u00e0n giao \u0111\u00fang h\u1ea1n; gi\u1ea3i quy\u1ebft c\u00e0ng s\u1edbm, b\u1ea1n th\u01b0\u1eddng s\u1ebd c\u00f3 c\u00e0ng nhi\u1ec1u l\u1ef1a ch\u1ecdn. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, b\u1ea1n c\u00f3 th\u1ec3 th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u1edbi b\u00ean b\u00e1n \u0111\u1ec3 gia h\u1ea1n th\u1eddi gian b\u00e0n giao (extension) c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t; m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p kh\u00e1c c\u00f3 th\u1ec3 c\u1ea7n t\u00ecm ki\u1ebfm c\u00e1c ph\u01b0\u01a1ng \u00e1n vay v\u1ed1n kh\u00e1c; c\u00f2n m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p kh\u00e1c l\u1ea1i c\u1ea7n th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u1edbi b\u00ean b\u00e1n \u0111\u1ec3 h\u1ee7y h\u1ee3p \u0111\u1ed3ng ho\u1eb7c t\u00ecm c\u00e1c gi\u1ea3i ph\u00e1p kh\u00e1c. Vi\u1ec7c b\u00ean b\u00e1n c\u00f3 \u0111\u1ed3ng \u00fd gia h\u1ea1n hay h\u1ee7y giao d\u1ecbch hay kh\u00f4ng s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3. B\u00ean b\u00e1n c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u00ean mua ch\u1ecbu c\u00e1c chi ph\u00ed ph\u00e1t sinh trong th\u1eddi gian gia h\u1ea1n, l\u00e3i su\u1ea5t, chi ph\u00ed ph\u00e1p l\u00fd b\u1ed5 sung ho\u1eb7c c\u00e1c kho\u1ea3n b\u1ed3i th\u01b0\u1eddng kh\u00e1c. Do \u0111\u00f3,<strong>\u0110\u1eebng \u0111\u01a1n gi\u1ea3n cho r\u1eb1ng \u201cn\u1ebfu kh\u00f4ng ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c b\u00e0n giao th\u00ec s\u1ebd m\u1ea5t ti\u1ec1n \u0111\u1eb7t c\u1ecdc\u201d, v\u00e0 c\u00e0ng kh\u00f4ng n\u00ean \u0111\u1ebfn t\u1eadn ng\u00e0y ho\u00e0n t\u1ea5t giao d\u1ecbch (closing day) m\u1edbi th\u00f4ng b\u00e1o l\u1ea7n \u0111\u1ea7u ti\u00ean cho lu\u1eadt s\u01b0 r\u1eb1ng m\u00ecnh kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u1ec3 ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c b\u00e0n giao.<\/strong><br><br>Gi\u00e1 tr\u1ecb giao d\u1ecbch b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u1eddng r\u1ea5t l\u1edbn. M\u1ed9t quy\u1ebft \u0111\u1ecbnh t\u01b0\u1edfng ch\u1eebng \u0111\u01a1n gi\u1ea3n c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd l\u00ean \u0111\u1ebfn h\u00e0ng ch\u1ee5c ngh\u00ecn, th\u1eadm ch\u00ed h\u00e0ng tr\u0103m ngh\u00ecn nh\u00e2n d\u00e2n t\u1ec7. Tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u00e1n, c\u1ea7n c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n, ng\u00e0y b\u00e0n giao v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n quan tr\u1ecdng kh\u00e1c; n\u1ebfu t\u00ecnh h\u00ecnh thay \u0111\u1ed5i sau khi k\u00fd h\u1ee3p \u0111\u1ed3ng, c\u0169ng n\u00ean t\u00ecm ki\u1ebfm \u00fd ki\u1ebfn ph\u00e1p l\u00fd c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t.<br><br><strong>N\u1ebfu mu\u1ed1n thay \u0111\u1ed5i quy\u1ebft \u0111\u1ecbnh khi mua nh\u00e0, b\u1ea1n nh\u1ea5t \u0111\u1ecbnh ph\u1ea3i l\u00e0m \u0111i\u1ec1u \u0111\u00f3 tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng; h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd s\u1ebd kh\u00f4ng t\u1ef1 \u0111\u1ed9ng m\u1ea5t hi\u1ec7u l\u1ef1c ch\u1ec9 v\u00ec b\u1ea1n thay \u0111\u1ed5i \u00fd \u0111\u1ecbnh.<\/strong><br><br><strong>V\u0103n ph\u00f2ng lu\u1eadt s\u01b0 Liu Xuebing xin l\u01b0u \u00fd:<\/strong><br>C\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng, s\u1ed1 ti\u1ec1n \u0111\u1eb7t c\u1ecdc, bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng v\u00e0 thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf trong m\u1ed7i v\u1ee5 vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 th\u1ec3 kh\u00e1c nhau.<br><br>B\u00e0i vi\u1ebft n\u00e0y ch\u1ec9 mang t\u00ednh ch\u1ea5t cung c\u1ea5p th\u00f4ng tin ph\u00e1p l\u00fd chung v\u00e0 kh\u00f4ng th\u1ec3 thay th\u1ebf cho \u00fd ki\u1ebfn ph\u00e1p l\u00fd c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi t\u1eebng giao d\u1ecbch.<\/p>\n\t\t\n<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u5728\u5b89\u7701\u4e70\u623f\uff0c\u5f88\u591a\u4e70\u5bb6\u4f1a\u6709\u4e00\u4e2a\u8bef\u533a\uff1a\u5982\u679c\u6700\u540e\u4e0d\u60f3\u4e70\u4e86\uff0c\u5927\u4e0d\u4e86\u4e0d\u8981\u5b9a\u91d1\uff08deposit\uff09\uff0c\u5408\u540c\u5c31\u7ed3\u675f\u4e86\u3002 \u5b9e\u9645\u60c5\u51b5 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8226","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - 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