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The Ontario Deposit Rules Card
What's legal, what's illegal, and the interest math — both sides of the lease, on one page. The complete lawful list (first month's rent, a last-month's-rent deposit capped at one rental period, a refundable key deposit at actual cost), the always-illegal list whatever the label (damage, security, cleaning, pet, move-in fees), the year-matched interest table (2.5% for 2024, 2.1% for 2025 and 2026, 1.9% for 2027) with the $42/$38 worked math, the top-up rule when rent rises, the tenant's deduction and T1 recovery rights, and the annual one-entry habit that keeps landlords out of hearings.
PDF5 itemsFor tenants
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What's Inside
All 5 steps
- The complete legal list — three items, and everything on it is rent or a returnable key
- The always-illegal list, whatever the label: damage, security, cleaning, pet, move-in
- Interest matched to the year: 2.5 / 2.1 / 2.1 / 1.9 — and why stale guides disagree
- The top-up rule, the tenant's deduct-from-rent right, and the T1 one-year window
- The annual one-entry habit: interest credited, top-up checked, ledger noted — done
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