每月減低固定支出 同加拿大業主傾減租
- Jet So
- 41分钟前
- 讀畢需時 5 分鐘
2026年加拿大租金普遍都係繼續下跌，大家可以把握機會用業主傾減租，每個月減少固定支出，都係一件開心事！！
千祈唔好諗住租金只可以有加無減
市場下滑時，我哋絕對有權要求align翻市場價格！
住宅租金市場嘅market price，唔係某個大佬行出黎，指吓自己個鼻就型成
而係由眾多市場參與者，即係任何業主同租客磋商而成
附近街坊成功叫低佢份租金，你參考佢口價同業主傾，成deal的話又可以令下一個租客受惠
真係幫到自己幫到人！功德永動機！
舊年同大家分享咗，我用咩論點用業主傾，成功減租CAD300：[日常慳錢攻略] 加拿大生活 同業主傾減租
今年傾到再減租CAD200，想同大家分享吓我實際上點運用呢啲論點去寫，同埋背後點樣推算業主嘅心理
打招呼 + 表明要求減租幾多
目標：有禮貌地明確表達要求，禮多人不怪
Hi [name],
I hope all is well!
After reviewing the latest market trends, we would like to request a rent reduction of $200, bringing the monthly rent to [$X,XXX] for the coming year.
引用同一棟樓數據，解釋價錢根據
目標：同一棟樓嘅近期租金成交紀錄，最能夠做到直接比較。如果數據係有利於你，一定要引用
傾減租當時，同棟最近租約成交嘅係3月份一個同類型單位；租金CAD2,400，但面積大我單位少少（但都幾肯定我單位採光好過佢）
因為我提出今年減租CAD200（舊年先減完CAD300...），自覺都唔算係細數目，所以我唔想無根據地提出「因為面積差少少，減多CAD50唔該」
面積唔同呢點，我有直接highlight出黎，向業主暗示我清楚明白我叫緊嘅價，其實市場上可以得到啲咩，但我願意唔食到你盡（一個看破不說破），俾業主感受到我都係善意
Based on the latest listings at [address], similar unit [#XXXX] (a 1+1 with parking included) was rented in March 2026 for [$2,400]. Notably, this unit is more spacious than my unit #OOOO, offering [XXX–XXX sq. ft.] compared to our [XXX–XXX sq. ft.]
除咗引用房型類近單位嘅最近成交租金去做matching，亦可以留意有無樓盤係擺太耐而expired
擺幾個月再expired，非常可能係因為業主叫價太高，市場無人理佢
呢個價錢都可以拎黎做參考，有禮貌地同業主提出
因為業主條件反射，正常係會諗：如果堅持同樣呢個價，你唔接受而搬走，有機會要空置單位幾個月＝幾個月無租金收入
佢地都唔想發生，因為仲蝕過減少少租俾你
Furthermore, another similar unit (#XXXX) was listed at [$2,600], but sat on the market for 120 days before the listing expired [X] days ago. This suggests that a rent of $2,600—our current rate—is above the current market price and is no longer being accepted by prospective tenants.
租金價格可以參考以下兩個網站：
Condos.ca的話，免費註冊戶口，就可以睇晒成棟樓近期嘅租金紀錄
點明自己要求係理性 ＋ 自讚係好租客
目標：重申自己只係要求貼翻市況，唔係發癲獅子開大口
另外，可以自讚自己係個好租客，盡時交租、keep到間屋狀態良好etc.
業主都會擔心如果一個好租客搬走咗，下手唔知係咩人，萬一係租霸或者痴線佬，佢要收翻層樓同重新裝修，全部都係金錢成本
好多時佢哋都會諗，與其為少少錢而承受不必要風險，不如穩穩陣陣每個月收租，有條穩定嘅cash inflow仲實際，尤其係如果業主仲供緊樓，佢要靠你筆租去供樓
唔需要踩低不存在的稻草人，只需要強調有你作為佢租客嘅好處，正常業主自己會識諗
We would like to politely ask for a reduction to $2,400 per month. This request aligns with the current market, and we believe it is reasonable. We have always been punctual with our rental payments and have never missed a single one. We have also kept the property in excellent condition (e.g., we have no pets, do not smoke, and have no children), which demonstrates our commitment as high-quality tenants.
另外，有一樣野我覺得唔需要寫到明，但睇吓你自己點判斷
就係如果業主要同新租客簽約，佢係又需要俾commission俾兩邊經紀嘅
以安省為例，commission價值係一個月租金，正常業主計數都會諗埋呢樣野
所以轉租客，對業主黎講都有唔少額外成本
宏觀經濟講未來12個月租金市場
目標：同業主講根據市場供求，黎緊租金都應該係下滑→宜家我propose嘅價真係唔差
多倫多樓盤供應上升，但人口下降，經濟又唔似向好，理性觀望黎緊一年租都係跌
我業主不嬲要求用post-dated cheques交租，所以我都有直接同業主講，宜家同你傾嘅價係fix死黎緊一年，呢個arrangement已經對你有利，因為就算市場點跌，中途我都唔會減到租
目的係令到業主覺得，我提出嘅價錢唔止對我有利，未來一年黎講，都已經保障咗佢喺跌市中嘅租金收入穩定
Moreover, given that current immigration policies aim to reduce the number of incoming workers and students alongside an increase in housing supply, we expect market prices may continue to soften. As you know, our payment arrangement involves 12 post-dated cheques. This provides the landlord with financial security and price stability, even if market rates continue to drop throughout the year.
點明我有留意市面其他樓盤
目標：話俾業主知，我唔係唔知市價嘅傻仔；同埋我都可以係無腳嘅雀仔，話搬就搬
無論你係咪真係想搬，你都可以引用附近樓盤最近租金成交價，去證明你提出嘅價錢係貼乎market price
就算你根本完全唔想搬走，你都唔需要揭開個肚皮同業主講「如果你減租，我就唔走架啦～我真係好鍾意住喺你單位呀！」
因為咁樣可能會俾業主覺得佢食硬你，隨便減幾十蚊hea走你都可以
反之而言，我都唔會講到實，話「唔減租就一定會搬走架啦～」
我覺得留一點空白去令對方十五十六，都係一種磋商嘅藝術haha
你想講得強烈實在一啲，都可以引用附近樓盤最近嘅租約成交例子
我自己就無咁做，因為覺得之前講嘅都算擲地有聲，業主無咩理由唔應承我；可以留翻如果佢還價先拎出黎講
但每人情況都唔同，業主性格又唔同；要根據自己情況去判斷！！
We have noticed many other similar units available in the North York neighbourhood at similar or even lower price points. Having said that, we sincerely value our good relationship with our landlord. This request is simply an effort to align our lease with the current market reality.
禮貌收筆
We look forward to hearing from you. Hope you have a great holiday weekend!
喺絕大部分情況下（包括翻工做野同客傾），我嘅策略都係內心有個最低要達成嘅成交價，但第一次同對方提出時，會叫高少少。得嘅話就賺咗，唔得嘅話就再調整。
無論你提出咩價錢，對面八成都會問可唔可以平啲。如果你一開始就講咗心中口價出黎，一係自己無路可退，一係你就要拎把刀插大脾割血應承。
當然，太誇張嘅價錢，係可能令對方傾都唔想同你再傾。所以拿捏得好，係好緊要。
租金嘅話，我會提議可以預CAD50-100左右嘅buffer。預咗業主會還價，可以用CAD25-50為單位咁再還價。
盡力營造一個「大家有商有量、我都好通情達理」嘅畫面。