첫 집을 구하는 5단계
Overview
Most newcomers rent first. Stay somewhere short-term for 2–4 weeks, then search, apply, sign and move in. Tap a step for what to do and official links.
주별 보증금 규칙
계약 전에 확인| 주 | 집주인이 요구할 수 있는 것 | 문의할 곳 |
|---|---|---|
| Ontario | Last month’s rent deposit only. No damage deposit. A refundable key deposit is allowed. | Landlord and Tenant Board ↗ |
| British Columbia | Security deposit up to ½ month’s rent, plus a pet damage deposit up to ½ month. | Residential Tenancy Branch ↗ |
| Alberta | Security deposit up to 1 month’s rent. | Residential Tenancies Dispute Resolution Service ↗ |
| Quebec | Deposits are generally not allowed. | Tribunal administratif du logement ↗ |
| Manitoba | Security deposit up to ½ month’s rent. | Residential Tenancies Branch ↗ |
| Nova Scotia | Security deposit up to ½ month’s rent. | Residential Tenancies Program ↗ |
규칙은 바뀔 수 있습니다. 최종 기준은 각 주의 임대차 기관입니다.
Interest rates and mortgage rates
Bank of Canada policy rate2.50%2026-10-29 · Bank of Canada
US Federal Reserve target range3.75–4.00%2026-10-29 · New York Fed
Prime rate (big banks)4.45%2026-10-28 · Bank of Canada
5-year fixed mortgage, posted6.19%2026-10-28 · Bank of Canada
| Fixed term | Posted rate |
|---|---|
| 1 year | 5.49% |
| 3 years | 6.05% |
| 5 years | 6.19% |
Posted rates are the banks’ official rates. Banks often advertise lower special rates, and your rate depends on your down payment, credit and the lender. Check each bank’s current rates:
Rates update automatically from the Bank of Canada and the New York Fed: the policy rates daily, the bank rates weekly. Not financial advice.
⚠ 조심해야 할 임대 사기
- 집주인이 '해외에 있다'며 집을 보기 전에 돈을 달라고 합니다.
- 주변 매물보다 월세가 훨씬 쌉니다.
- 송금, 기프트 카드, 암호화폐로 돈을 달라고 합니다.
- 계약 전에 SIN이나 여권을 달라고 합니다.
집 구하기 가이드
Putting together a rental application10/30 Setting up your new home: utilities and internet10/30 Renting with no Canadian credit history10/28 Rental scams that target newcomers10/26 주별 임대 보증금 규칙10/23 Your first weeks: where to stay while you search10/19 Tenant insurance: do you need it?10/14 Reading your lease in Ontario10/30일반 정보이며 법률 자문이 아닙니다. 모든 가이드는 공식 출처와 마지막 확인 날짜를 보여 줍니다. 본인 사례는 IRCC 도구나 등록된 컨설턴트를 이용하세요.