Pre-Con Money Mechanics
The arithmetic between signing and keys: deposits, closing costs, HST and rebates, interim occupancy, cooling-off rights and assignment rules — described generally, sourced to the official pages, never sold as advice.
5 posts on this desk.
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2026-11-03
Closing costs on a $700,000 Ontario pre-construction home, line by line
HST, the new housing rebates and land transfer tax on a $700,000 new build — the three lines with published arithmetic, worked exactly, plus the lines no honest table can fill in for you.
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2026-11-03
Interim occupancy, explained from the fee formula out
The months between getting your keys and owning your condo: what the occupancy fee is legally made of, why none of it pays down your purchase, and what ends it.
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2026-11-03
The 30-day rule: why prices disappear from this site on purpose
Every price here carries the date it was last verified — and is withdrawn after 30 days without re-verification. What the rule does, what it costs, and what it refuses to do.
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2026-11-03
Assignment sales, step by step: consent, the money parts, and the tax change
Selling your pre-construction contract before closing — the builder's consent gate, what the assignee actually pays for, and why every assignment of new housing has been taxable since May 2022.
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2026-11-03
The 10-day cooling-off period: a condo right, not a pre-con right
Ontario's statutory 10-day rescission covers new condominiums — all 58 condo records in this catalogue — and does not cover a standalone freehold purchase. How the clock actually runs.
The other desks
- Launch Breakdowns & Worksheets — New KWCG projects taken apart on the numbers that decide a purchase: the deposit schedule in dollars, the price basis, what the record does and does not verify — plus how builder worksheets and allocation order actually work.
- KWCG Market Data — Kitchener, Waterloo, Cambridge and Guelph counted from this catalogue and nothing else: how many projects, in which status, at what verified prices — and what the catalogue cannot yet prove.