木头房子和钢筋水泥的比较，钢筋远超木头
HIGH STRENGTH
One of the top qualities of concrete is its pliability and high strength. Concrete is hard when dry, yet flexible when wet; enough to be molded into any shape. This lends it the dimensional stability needed for both, outdoor structures and indoor installations, and allows for creative expression.
Concrete tends also becomes stronger over time, further fortifying the structure. In comparison, wood is less dense and thus, less durable.
Another advantage of concrete is that it can be manipulated to any desired strength and casted on site, thereby making it an economical choice.
Additionally, it can withstand winds of up to 250 miles an hour. Concrete houses also have deeper foundations which makes it suitable for zones vulnerable to tornadoes and hurricanes.
DURABLE
Although wood is a cheaper alternative to concrete, it ages faster and has higher maintenance and repair costs. Hence, while wood deteriorates quickly, especially if it is not maintained regularly, concrete has a lifespan of two to three times more than that of most other building materials.
Additionally, termites thrive in wooden structures and wooden frame houses, and wood tends to suffer from pestilence and moisture problems. As an organic compound, wood also attracts microorganisms like mold and mildew, which has an adverse impact on the indoor environment in enclosed spaces. Concrete, on the other hand, is both termite and mold growth resistant, resulting in reduced degradation over time.
Wooden structures are also not resistant to water damage; even the slightest downpour can result in leakages from small openings. Concrete, in comparison, is more resistant to moisture, and soaks up water which results in less damage to the overall structure. Similarly, concrete is fire retardant unlike wood, which adds to the blaze.
Overall, concrete’s resistant properties result in a lower cost of maintenance over the lifespan of the structure.
SOUNDPROOFING
买公寓一定要买钢筋水泥的。
SOUNDPROOFING
Wooden structures have a bad reputation of being noisy, as they do not insulate noise as well as concrete due to their difference in density.
Certain cracks or leaks in the structure make passages for noise to travel through, which is a nuisance for someone living on a busy street.
Furthermore, as the climate changes, wood also contracts and expands, which can lead to doors and cupboards shrinking or expanding within their frames. On the other hand, concrete offers a dense, airtight, and soundproof solution to all these problems.
ENERGY EFFICIENT
Concrete homes are less susceptible to developing leaks unlike wooden frames. Wooden walls are equipped with various components like sheathing and insulation, which can form cracks and let air pass through.
Concrete’s molecular structure allows for an airtight and uninterrupted composition, with less chances of air moving through it. This keeps the heat from penetrating into structures, while keeping cool air trapped inside.
Modern concrete houses also have tighter seals and insulation ranging from foil backed batts, to polystyrene panels.
In short, concrete buildings tend to develop less cold or hot zones, while its compact structure slows down the movement of heat through walls. Concrete is thus an ideal choice for energy efficient structures, and provides cost effective heating and cooling bills throughout the year.
COST EFFECTIVE
Concrete can be produced in batches specific to project needs, which results in less wastage. In addition to its cost-effectiveness in the long run, concrete offers a substantial difference in construction and insurance costs - depending on the type of housing that it is used for.
Many studies have found concrete to be suitable for building multi-housing constructions.
Some of its benefits include:
SAVINGS ON INSURANCE COSTS
One of the qualities of concrete is that it is non-combustible; this reduces the risk of fire hazards, the after effe
在4年前，当Christian Fracchia第一次听说BC省Port Moody市有一个先租后买的机会时，他看到了实现首次买房梦的方法。他将自己的名字投进了30个公寓楼花单位的抽签中。
在50 Electronic Avenue仍在建设中的358套公寓单元中，约有10%以先租后买的方式出售，这意味着买家支付两年的固定租金，然后将其转为产权。
图源：Christian Fracchia
28岁的Fracchia是一名软件开发员，将在一周后去参观他在SkyTrain和一处湖滨公园附近的新一居室公寓。拿下这套$47万加元的单元，只需要拿出$1万加元的首付和每月$1000加元的租金，而这些钱将会全部作为要在两年内支付的首付。
Fracchia说：“基本上，这就像是省下了两年的租金。只要我完成购房交易，我现在支付的这些钱，就可以存下来。”在几个月后，他将与妻子一起搬进新家。
图源：Yvette Brend/CBC News
“先租后买”是获得房屋所有权的一条独特途径，它推迟了新购房者面临的最大障碍之一——高额首付。
该方法的支持者说，这种家庭融资模式允许信用有限或受损、无法获得传统抵押贷款的人，努力获得房屋产权。
但是，批评人士警告说，先租后买未经测试，是存在一些陷阱和风险的。例如维护成本或在某些情况下，如果承租人未能满足交易条款，则可能失去首付。
加拿大正在通过创建“先租后买”住房计划来资助更多此类项目，作为未来10年将住房建设翻倍的$20亿加元支出的一部分。这笔资金旨在在全国建造1.7万套新住房，包括为无家可归者或有可能成为无家可归者的人提供更快速的住房，以及负担得起的市场价格住房项目。
图源：Evan Mitsui/CBC
$2亿加元的“先租后买”基金
在这$20亿加元中，有$2亿加元专门用于一项新的“先租后买”计划。
8月30日，加拿大总理杜鲁多在安省Kitchener市举行的新闻发布会上表示，该基金由加拿大抵押贷款和住房公司（CMHC）管理，将鼓励开发商和建筑商为首付要求不堪重负的首次购房者创造更多机会。
图源：James Chaarani/CBC
杜鲁多说：“对于很多租房者来说，存钱买房越来越困难。通过这个新计划，我们将于住房供应商合作，帮助家庭从租房到拥有自己的房子。”
8月30日，市政当局、开发商、建筑商、社区住房组织、非营利组织和原住民组织开始申请为期5年的经济适用房创新基金，及其新的“先租后买”项目。
“先租后买”仍然有风险
早在2018年，当Panatch Group在Port Moody市提供“先租后买”的公寓单元时，有500人申请。
BC省列治文的开放商Kush Panatch表示，他以前从未提供过“先租后买”的服务，买家对这种方式的强烈兴趣使他感到震惊。
图源：Yvette Brend/CBC News
虽然令人兴奋，但是Panatch警告说，先租后买并不总是拥有房屋的完美途径。他说：“我们通过这样学到了很多东西。不幸的是，当中出现了一些令人讨厌的意外。”
他发现了不可预见的成本，比如他的公司必须承担从租户搬进来到他们购买单元的GST成本。此外，还有复杂的合法性需要处理，以及利率上升也使该计划更加昂贵。
他补充说：“我认为联邦和省级的一些援助，对于促进这样的项目，真的有很长的路要走。”
多伦多北部Clover Properties开发商的负责人Rachel Oliver开展了一项私人的“先租后买”计划。她说，该计划已经帮助安省600户家庭“快速达到了接近拥有住房的能力”。
Oliver说，租客通常会一次性支付首付——她的公司通常需要$2万加元，然后按月租金计算，以使他们在期限内达到房产购买价格的10%。每月租金也是根据当天持有房产的利率成本计算的。
Oliver说：“这基本上是一种强制储蓄。我们以增量方式出售房产。先租后买最适合因收入低或信用受损而难以获得抵押贷款批准的租房者。”
然而，她警告说，魔鬼在合同细节中。她的公司在提供该计划时，会与买家和投资者合作，以确保成功避免投资者的“贪婪”。
Oliver还指出，“先租后买”是需要遵守承诺的。在疫情期间，一些人因为家庭破裂或其他困难而损失了首付，这意味着买家无法履行合同并被迫离开。
“如果他们停止按时付款或停止支付合同中的金额，这将违反合同。在这种情况下，我们将尽最大努力与个人合作。一旦我们用尽所有选择，他们就必须离开房产，并没收他们的已付首付。”Oliver说，“这就是我们如此严格筛选的原因。”
此外，与普通租房者不同，“先租后买”的买家需要对房屋进行维护和升级。
Oliver对政府愿意参与探索一种非传统的购房工具而表示赞赏，但是她对新的联邦基金专注于开发项目，并且不允许“先租后买”的买家在公开市场上转卖而感到失望。
“政府基本上就是在补贴开发商。希望建筑商能够以合法的方式，将节省的资金转嫁给最终买家。”Oliver表示，开发商应该与经验丰富的“先租后买”服务提供商合作，来管理复杂的协议。
那么，这个购房新方法，到底会给加拿大房市带来怎样的生机呢？让我们拭目以待吧！
参考阅读：
https://www.cbc.ca/news/canada/rent-to-own-housing-affordability-mortgage-developer-home-ownership-canada-1.6570642