Punjabi IAG Full Report by Real Estate Council of BC

slfh dyx vfly afjLfd gruwp dI irport

ibRitsL kolMbIaf dI rIal iestyt ieMzstrI ivcly vqIry aqy amlF bfry // jUn 2016

ivsLf-vsqU i // mfnqf. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 ii // pRbMDkI sMKyp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 iii // slfh dyx vfly afjLfd gruwp bfry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 iv // ibRitsL kolMbIaf ivc rIal iestyt dI mOjUdf siQqI . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

rIal iestyt dIaF vDdIaF kImqF . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 rIal iestyt lsMsIaF df vrqfa . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 v // ibRitsL kolMbIaf ivclI rIal iestyt ieMzstrI dI mOjUdf ingrfnI . . . . . . . . . . . . . . . . . . . . . . . . . 8

svY-inXmbwDqf aqy lokF df ihwq . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 svY-inXmbwDqf aqy ibRitsL kolMbIaf ivc rIal iestyt ieMzstrI . . . . . . . . . . . . . . . . . . . . . 9 sUbfeI srkfr df rol . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 suprientYnzYNt aOP rIal iestyt df rol . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 rIal iestyt kONsl aOP ibRitsL kolMbIaf df rol . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 ieMzstrI aYsosIeysLnF df rol . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 vi // i bRitsL kolMbIaf ivc rIal iestyt lsMsIaF leI mOjUdf inXm aqy sLrqF . . . . . . . . . . . . . . . . 18

pysLfvr vqIry dIaF sLrqF . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 Xogqf aqy ZukvFpx . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 lfiesMs lYx leI pVHfeI . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 dubfrf lfiesMs lYx leI pVHfeI . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 vii // iswitaF df sMKyp. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 viii // isPfrsLF. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35

pfrdrsLqf aqy nYiqk nym . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 hukm dI pflxf aqy iswty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 kMtrol aqy ZFcf . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 lsMsI aqy jnqk igafn . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49 ix // agFh qurnf . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51 x // aMiqkfvF. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52 XI // isPLfrsLF dI ilst. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58

I // mfnqf slfh dyx vfly afjLfd gruwp (ieMzIpYWnzYNt azvfeIjLrI gruwp) dI rcnf aqy ies dy PrjLF dI iqafrI QoVHy ijhy smyN, isrP pMdrF hPiqaF ivc aqy jLordfr jnqk CfxbIx hyT hoeI hY[ lokF dI iek CotI ijhI tIm ny AunHF pMdrF hPiqaF dOrfn, ies irport nUM iqafr krn ivc slfh dyx vfly grwup dI mdd leI bhuq sfry GMty smripq kIqy hn aqy asIN AunHF dy idloN DMnvfdI hF[ ienHF ivc aYlIsn zYmpsy, ieMzIpYWnzYNt azvfeIjLrI gruwp dy sYktrI, aqy rIal iestyt dy suprientYnzYNt dy dPqr df stfP sLfml hn[ azvfeIjLrI gruwp rIal iestyt kONsl aOP ibRitsL kolMbIaf dy stfP vloN KusLI KusLI idwqy gey sihXog aqy coKy XqnF leI AunHF df aqy igafrF rIal iestyt borzF aqy ibRitsL kolMbIaf rIal iestyt aYsosIeysLn vloN iqafr kIqy gey ilKqI ivcfrF leI vI DMnvfd krdf hY[ asIN pbilk dy bhuq sfry mYNbrF dy vI DMnvfdI hF ijnHF ny afpxI afvfjL sfzy qwk phuMcfeI aqy afpxy ivcfr aqy itwpxIaF ilKqI rUp ivc aqy sfzy pbilk eImyl aYzrYs rfhIN sfzy kol drj krvfey[ aMq ivc afeI ey jI, ienHF ivisLaF bfry mIzIey vloN inBfey gey mhwqvpUrn rol leI AunHF df DMnvfd vI krnf cfhuMdf hY ijhVy mfmly mIzIey ny pbilk awgy ilaFdy aqy koeI kfrvfeI krn leI lgfqfr prYsLr pfAuNdf irhf[

2 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

II // pRbMDkI sMKyp ibRitsL kolMbIaf dI rIal iestyt mfrkIt ivclIaF mOjUdf hflqF, Kfs qOr `qy kImqF ivc qyjL vfDy df lMbf smF, asDfrn hn[ ieh sQfnk pwDr `qy aqy aMqrrfsLtrI pwDr `qy iDafn iKwc rhIaF hn[ ienHF hflqF dy kfrn, kI ieh jfrI rihxgIaF, aqy jvfb vjoN sfnUM kI krnf cfhIdf hY, sfry vwK vwK ivcfrF aqy josL nfl BrpUr bihs dy ivsLy hn[ ienHF hflqF dy iswty vjoN ijhVIaF bhuq sfrIaF cuxOqIaF drpysL afeIaF hn, AunHF ivwcoN iek rIal iestyt lsMsIaF dI ingrfnI krn vfly srkfrI isstm dI kfrvfeI krn dI smrwQf aqy jnqk ihwqF dI rwiKaf krnf jfrI rwKxf hY[ ieh irport Aus cuxOqI df jvfb idMdI hY[ ieh irport pfTkF dI ieh smJx ivc mdd krn leI rIal iestyt lsMsI nfl sMbMiDq inXmF dy ieiqhfs `qy sMKyp Jfq nfl sLurU huMdI hY ik asIN iewQy ikvyN phuMcy hF ijwQy asIN awj hF[ iPr irport ieh dwsdI hY ik inXmF df mOjUdf isstm ikvyN kMm krdf hY aqy ies isstm dy muwK iKzfrI kOx hn[ agFh ieh mOjUdf isstm dIaF kmojLrIaF aqy sImfvF dwsdI hY aqy aMq ivc, suDfr leI isPfrsLF krdI hY[ ipCly kuJ mhIinaF ivc jnqf dy kuJ mYNbrF ny ieh suafl kIqf hY ik kI rIal iestyt ieMzstrI nUM afpxy afp dI afp ingrfnI krnf jfrI rwKxf cfhIdf hY[ ieh iek PYslf hY ijhVf isrP srkfr hI kr skdI hY[ ies irport ivclIaF muwK isPfrsLF, jo ik kuwl 28 hn, inXmF dy mOjUdf isstm ivc suDfr krn aqy jnqk ihwqF ivc kMm krn leI rYgUlytr (ingrfn) `qy kyNdirq hn[ ieh isPfrsLF rIal iestyt kONsl aOP ibRitsL kolMbIaf aqy ibRitsL kolMbIaf dI srkfr leI hn aqy ienHF nUM qyjLI aqy asrdfr qrIky nfl lfgU krn leI donF dy qflmyl vfly XqnF dI loV pvygI[ slfh dyx vfly afjLfd gruwp (ieMzIpYWnzYNt azvfeIjLrI gruwp) df ieh XkIn hY ik qflmyl vfly ies Xqn rfhIN ibRitsL kolMbIaf ivc rIal iestyt lsMsIaF dy ivhfr bfry lokF dy Brosy aqy XkIn nUM muV ky bhfl kIqf jf skdf hY[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 3

III // slfh dyx vfly afjLfd gruwp bfry sfzI inXukqI ikvyN kIqI geI sI PrvrI, 2016 ivc, rIal iestyt kONsl aOP ibRitsL kolMbIaf (rIal iestyt kONsl) ny suprientYnzYNt aOP rIal iestyt (suprientYnzYNt) nUM afiKaf ik Auh imlx aqy mIzIey vloN irport kIqy gey rIal iestyt lsMsIaF dy vqIry bfry AuWTy srokfrF dy jvfb ivc iek afjLfd pVcol dI agvfeI krn[ ieMzIpYWnzYNt azvfeIjLrI gruwp (afeI ey jI) suprientYnzYNt vloN 22 PrvrI, 2016 nUM bxfieaf igaf sI[ afeI ey jI dy mYNbrF dI cox vwK vwK pbilk aqy pRfeIvyt sMsQfvF ivc srivs dyx vfly mfhrF ivwcoN kIqI geI sI aqy ies ivc AunHF dI suqMqrqf, idRsLtIkon dI vMn-suvMnqf aqy cMgy PYsilaF aqy lok ihwqF dI spsLt smJ nUM muwK rwiKaf igaf sI[ (aMiqkf 1 dyKo – afeI ey jI dy mYNbrF dI ilst)

sfzf kfrj Kyqr BfvyN ik muZly iPkr, ijnHF krky afeI ey jI bxfAux dI gwl sLurU hoeI sI, rIal iestyt dy prcyjL kOntrYtks nUM asfeIn krn nfl sMbMiDq Kfs amlF `qy kyNdirq sI, ijnHF nUM “sLYzo PilipMg” afiKaf jFdf hY, afeI ey jI ny soc-ivcfr ky afpxy kfrj Kyqr aqy sImfvF ies gwl vwl vwzf iDafn dyx leI qih kIqy ik kI inXmF dI pflxf krfAux df mOjUdf isstm, KpqkfrF (kMijLAUmrjL) aqy ivafpk jnqk ihwqF dI rIal iestyt lsMsIaF dy aXog vrqfa qoN shI qrHF rwiKaf krdf hY ik nhIN[ (aMiqkf 2 dyKo – afeI ey jI df kfrj Kyqr) sfzI phuMc afpxy afdysL nUM pUrf krn leI, afeI ey jI ny Kfs aqy sImq smyN dy ivc ivc afpxI pVcol krn leI iek afjLfd sMsQf vjoN kMm kIqf[ asIN afpxI pVcol (irvIAU) 9 mfrc, 2016 nUM sLurU kIqI, afpxy kfrj Kyqr 15 mfrc, 2016 nUM jfrI kIqf, 8 aprYl 2016 nUM aMqirm irport jfrI kIqI aqy afpxf irvIAU 17 jUn, 2016 nUM pUrf kIqf[ sfzI pVcol dy pihly pVf `qy, afeI ey jI ny afpxf iDafn, inXmF dI pflxf krfAux dy mOjUdf isstm aqy rIal iestyt kONsl aqy rIal iestyt lsMsIaF dy mOjUdf amlF bfry qwQ aqy jfxkfrI iekwTI krn vwl idwqf[ ies irport dy sYksLn IV qoN lY ky sYksLn VI pVcol dy ies pVf dy nqIijaF dI sMKyp ivc irport idMdy hn[

4 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

pVcol dy dUjy pVf ny afpxf iDafn inXmF dI pflxf krfAux dy mOjUdf isstm aqy ies dIaF mjLbUqIaF, kmjLorIaF aqy sImfvF df ivsLlysLx krn vwl idwqf[ ies pVf df sMKyp aqy sfzy vloN kwZy gey nqIjy irport dy sYksLn VII ivc dyKy jf skdy hn[ sfzI pVcol dy qIjy aqy afKrI pVf ivc, dUjy pVf ivc pCfxIaF geIaF kmjLorIaF aqy sImfvF df hwl krn leI isPfrsLF iqafr krnf sLfml sI[ ieh isPfrsLF irport dy sYksLn VIII ivc dyKIaF jf skdIaF hn[ afeI ey jI vloN pVcol pMdrF hPiqaF qoN Gwt smyN ivc kIqI geI sI aqy ies krky ieh sImq sI[ isPfrsLF afm isDFqF df aks idKfAux leI kIqIaF geIaF hn, nf ik inXmF df vyrvf dyx leI[ sfzI pVcol df iDafn irhfiesLI rIal iestyt `qy kyNdirq sI ikAuNik ies bfry hI bhuq mhwqvpUrn srokfr mihsUs kIqy gey sn[ iPr vI, bhuqy kysF ivc, isDFq, inrny aqy isPfrsLF, ieMzstrI dy sfry BfgF ivc rIal iestyt lsMsIaF dy vrqfa aqy amlF `qy lfgU huMdy hn[ sfzI pVcol dOrfn, afeI ey jI nUM sUby ivcly sfry igafrF rIal iestyt borzF (borzjL) qoN ilKqI ivcfr imly aqy ienHF `qy ivcfr kIqf igaf aqy pbilk dy mYNbrF qoN ilKqI aqy eImyl rfhIN ivcfr imly, ijs ivc rIal iestyt ieMzstrI dy lok vI sLfml hn[ sfnUM rIal iestyt kONsl aqy ibRitsL kolMbIaf rIal iestyt aYsosIeysLn (bI sI afr eI ey) dy ivcfr vI imly[ afeI ey jI dI pVcol ny afpxf iDafn rIal iestyt lsMsIaF dy vrqfa nfl sMbMiDq srokfrF nUM iek afjLfd, inrpwK pwK qoN dyKx vwl idwqf[ ies irport ivclIaF isPfrsLF df mksd, inXmF dI pflxf krfAux dy mOjUdf isstm nUM mjLbUq krnf hY aqy rIal iestyt dy mfhOl ivc ies nUM ibhqr jvfb dyx dy Xog bxfAuxf hY[ afpxIaF isPfrsLF iqafr krn vyly, asIN ies gwl nUM iDafn ivc rwiKaf hY ik ieh vwK vwK afriQk dOrF ivc ikvyN lfgU kIqIaF jf skdIaF hn ijs ivc GrF dI mMdI mfrkIt df dOr vI sLfml hY[ asIN ijLafdf inXmF dI pflxf krfAux dy KricaF `qy asr aqy ieMzstrI dI nvInqf ilafAux aqy qbdIlI nUM apxfAux dI smrwQf bfry vI ivcfr kIqf hY; aqy sfnUM sMqusLtI hY ik ieh qbdIlIaF jnqk ihwqF nUM awgy vDfAux leI jfiejL hn[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 5

IV // ibRitsL kolMbIaf ivc rIal iestyt dI mOjUdf siQqI rIal iestyt dIaF vDdIaF kImqF ipCly pMdrF sflF dOrfn, ibRitsL kolMbIaf dy vwzy sLihrI kyNdrF ny, Kfs krky loar mynlYNz ivcly kyNdrF ny rIal iestyt dIaF kImqF ivc nftkI vfDy dyKy hn[ iek dUjy nfl juVy hoey keI pwK hn ijhVy lokF dI itwpxIaF aqy ivsLlysLx ivc muwK qOr `qy afAuNdy hn: }} mjLbUq iekOnmI; }} kYnyzf dy dUjy ihwisaF ivwcoN aqy ies dy nfl nfl hor dysLF ivwcoN loar mynlYNz ivc lokF df afAuxf jfrI rihxf; }} loar mynlYNz dy GrF ivc bfhrI ienvYWstmYNt jo ik rihx nfloN ienvYWstmYNt `qy ijLafdf kyNdirq hY; }} kudrqI rokF (Audfhrx leI, phfV, pfxI aqy aMqrrfsLtrI bfrzr); }} nIqIgq rokF (Audfhrx leI, KyqIbfVI leI rIjLrv jLmIn) aqy nvyN GrF dI splfeI `qy jLoinMg dIaF rokF; aqy }} svY-vfDy vflI mfrkIt sfiekolojI ijhVI GrF dIaF qyjLI nfl vD rhIaF kImqF dy smyN dOrfn BfrU ho jFdI hY[ kImqF dI ies qyjLI ny, Kfs qOr `qy mYtro vYnkUvr dy ielfky nUM dunIaf Br dIaF sB qoN mihMgIaF rIal iestyt mfrkItF ivwcoN iek bxf idwqf hY[ bdly ivc, ies hflq ny GrF dI vfrf Kfx Xogqf aqy AuplbDqf, Kqry vflI ienvYWstmYNt aqy jfrI nf rihx Xog jF EvrhIt hoeI mfrkIt dy KqiraF bfry kuJ gMBIr iPkr pYdf kr idwqy hn[ lokF, ibjLns BfeIcfry aqy srkfrF dy sfry pwDrF ny ieh iPkr jLfhr kIqy hn[

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ieh smJxf jLrUrI hY ik ies irport ivclIaF isPfrsLF nfl GrF dIaF kImqF aqy vfrf Kfx Xogqf dy msilaF `qy vwzy asr pYx dI sMBfvnf nhIN hY[

ieh smJxf jLrUrI hY ik ies irport ivclIaF isPfrsLF jy lfgU ho jFdIaF hn qF ienHF nfl GrF dIaF kImqF aqy vfrf Kfx Xogqf dy msilaF `qy vwzy asr pYx dI sMBfvnf nhIN hY[ GrF dI kImq df PYslf ijLafdf mMg aqy sImq splfeI dy pwK inrDfrq krdy hn[ afeI ey jI df kMm aqy ies irport ivc kIqIaF geIaF isPfrsLF rIal iestyt lsMsIaF dy vrqfa bfry hn[ ieh pwkf krnf ik Gr KrId aqy vyc rhy lokF nfl vfjb vrqfAu kIqf jf irhf hY, lokF dy Brosy leI bhuqy jLrUrI hY, pr ieh GrF dI splfeI aqy mMg `qy asr nhIN pfAuNdf[

6 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

rIal iestyt lsMsIaF df vrqfa rIal iestyt dIaF kImqF ivc vwzy vfiDaF ny inXmF dI pflxf krfAux dy mOjUdf isstm `qy prYsLr pfieaf hY jo ik sUby ivc rIal iestyt dIaF syvfvF dI ivvsQf nUM clfAuNdy hn[ aijhI mfrkIt ivc ijwQy rIal iestyt dy sOidaF `qy munfPy dI sMBfvnf kfPLI hovy, kuJ lok nfvfjb lfB lYx leI mOikaF nUM afpxy mqlb leI vrqxgy[ ienHF mhIinaF ivc rIal iestyt lsMsIaF dy vqIry aqy sLosLx krn vflIaF srgrmIaF ivc ibnF lfiesMsF qoN kMm krdIaF iDrF dIaF irportF ny pbilk dy iPkr vDfey hn, ijnHF ivc ieh vI sLfml hn: }} inwjI Pfiedy leI kOntrYktF nUM asfeIn krn (agFh dyx) nUM jLfhr krn ivc lsMsIaF df PylH hoxf; }} lsMsI afpxy gfhkF dI bjfey afpxy inwjI ihwqF nUM pihl dy rhy hn; aqy }} lsMsI PYzrl aqy sUbfeI tYks dy kfnUMnF dI pflxf krn aqy kfly Dn dI irport krn dIaF sLrqF dI pflxf krn ivc PylH ho rhy hn, ijs ivc irport krn dIaF sLrqF qoN bcx leI gfhkF nfl gFZf-sFZf krnf vI sLfml hY[ lokF, mIzIey aqy kuJ cuxy hoey ahudydfrF df aflocnf krn vflf ivsLlysLx ieh kihMdf hY ik inXm lfgU krfAux vflf: }} lokF leI KqiraF dI pCfx krn aqy nuksfndyh amlF nUM rokx leI dKLlaMdfjLI krn ivc susq hY; }} aXog vrqfa leI arQpUrn rokF aqy iswty kwZx leI ZukvyN vwzy jurmfny aqy dMz nhIN lfAuNdf; }} ZukvIN pVqfl aqy inXm lfgU krn vflI smrwQf dI Gft vflf hY; }} afpxy aiDkfr Kyqr dI ivafiKaf qMg njLrIey nfl krdf hY; aqy }} lokF dI phuMc aqy jvfbdyhI ivc nhIN hY[ kiQq aXog vrqfa, aqy nfl nfl ies ivcfr ny ik rIal iestyt kONsl ies df hwl krn leI sKq kdm cuwkx dy aXog jF axiewCk hY, lokF df Brosf Gtfieaf hY[

}

kiQq aXog vrqfa, aqy nfl nfl ies ivcfr ny ik rIal iestyt kONsl ies df hwl krn leI sKq kdm cuwkx dy aXog jF axiewCk hY, lokF df Brosf Gtfieaf hY[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 7

V // ibRitsL kolMbIaf ivclI rIal iestyt ieMzstrI dI mOjUdf ingrfnI svY-inXmbwDqf aqy lokF df ihwq svY-inXmbwDqf (sYlP-rYgUlysLn) iek aijhI phuMc hY ijhVI iksy sQfpq pysLy jF ieMzstrI dy mYNbrF dy vqIry, amlF aqy imafrF nUM inXmbwD krn leI kYnyzf ivc aqy hornI QFvIN afm vrqI jFdI hY[ ieh phuMc srkfr aqy pysLy jF ieMzstrI ivckfr iek rsmI aYgrImYNt rfhIN kMm krdI hY[ ieh aYgrImYNt ieh sLrq lfAuNdf hY ik ieMzstrI afpxy mYNbrF dIaF srgrmIaF nUM inXmbwD rwKx leI aqy AunHF mYNbrF nUM vqIry, pRYkits aqy jnqf leI srivs dy AuWcy imafrF pRqI jvfbdyh rwKx leI iswDy qOr `qy ijLMmyvfr hovygI[ svY-inXmbwDqf iek irafieq hY, koeI hwk jF ieKLiqafr nhIN hY[ pysLy jF ieMzstrI grwup leI lokF dy ihwqF dI rfKI krnf jLrUrI hY aqy jy aijhf nhIN huMdf qF AunHF dI ieh irafieq, srkfr aqy lokF dy Brosy dy nfl nfl guafcx df Kqrf huMdf hY[

}

svY-inXmbwDqf iek irafieq hY, koeI hwk jF ieKLiqafr nhIN hY[

svY-inXmbwDqf srkfr vloN idwqI jFdI hY[ lfgU hox `qy, ieh lsMsIaF dy vrqfa aqy amlF AuWpr kMtrol rfhIN lokF dy ihwqF dI rwiKaf krn dI ijLMmyvfrI cuwkdI hY[ ies smyN dOrfn, ieh Kfs igafn aqy muhfrq vI pRdfn krdI hY ijs dI lokF nUM syvfvF dyx dy pRbMD nUM smJx aqy asrdfr qrIky nfl clfAux dI loV huMdI hY[ svY-inXmbwDqf vflIaF sMsQfvF nUM ijhVy aiDkfr aqy ijLMmyvfrIaF srkfr vloN idwqy jFdy hn, AunHF ivc afm qOr `qy ieh sLfml huMdy hn: }} pVHfeI, qjrby aqy hor XogqfvF dy imafr qih krnf ijhVy pysLy ivc dfKl hox leI pUry krny jLrUrI hn; }} pysLy ivc kMm krdy ivakqIaF leI vrqfa aqy pRYkits dy imafr qih krnf; }} pVqfl, pflxf aqy anusLfsnI qrIky ijhVy inXmF aqy imafrF nUM lfgU krdy hn; aqy }} ijhVy ivakqI vrqfa dy imafrF dI pflxf krn ivc PylH huMdy hn, AunHF nUM sjLfvF dyx aqy pYRkits ivwcoN htfAux leI lfiesMs rwd krn leI inXm aqy qrIky bxfAuxf[ iksy svY-inXmbwDqf vfly pysLy vloN lokF dy ihwqF dI rfKI nUM XkInI bxfAux df iek mhwqvpUrn ihwsf AudoN lokF dI gwl suxy jfxf hY jdoN AunHF kol svfl huMdy hn jF isLkfieqF huMdIaF hn[ iswty vjoN, bhuqIaF svY-inXmbwD sMsQfvF kol pbilk ienkuafrI aqy isLkfieqF leI qrIky huMdy hn, aqy ies dy nfl nfl AunHF nUM lokF nUM isiKaq krn df afdysL vI huMdf hY[

8 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

svY-inXmbwDqf aqy ibRitsL kolMbIaf ivc rIal iestyt ieMzstrI

ieh ikvyN sLurU hoeI rIal iestyt kONsl ivc suprientYnzYNt aOP rIal iestyt vloN rIal iestyt kONsl `qy pMjfh sflF dI vDdI rYgUlytrI aQfrtI qoN bfad, sUby dI rIal ieMzstrI nUM 2005 ivc svY-inXmbwDqf (sYlP-rYgUlysLn) idwqI geI sI[ Aus sfl ivc, rIal iestyt srivisjL aYkt (aYkt), rIal iestyt srivisjL rYgUlysLn (rYgUlysLn) aqy rIal iestyt kONsl rUljL aYNz bfeIlfajL lfgU hoey[ ienHF inXmF dI ivvsQf krn aqy ienHF nUM lfgU krn dI muZlI ijLMmyvfrI rIal iestyt kONsl nUM sONpI geI ikAuNik ieh sUby ivc rIal iestyt lsMsIaF dy vrqfa aqy amlF nfl sMbMiDq sI[ rIal iestyt syvfvF ivc sLfml gYr-lfiesMssLudf ivakqIaF nUM inXmbwD rwKx dI ijLMmyvfrI suprientYnzYNt ny afpxy kol rwKI[

hor sMsQfvF aYkt ny iqMn kfrporysLnF vI jfrI rwKIaF: rIal iestyt PfAuNzysLn, rIal iestyt aYrrjL aYNz EimsLnjL iensLorYNs kfrporysLn aqy rIal iestyt kMpnsysLn PMz kfrporysLn[ ies hr iek sMsQf df svY-inXmbwDqf dy isstm dy lokF pRqI jvfbdyhI aqy AunHF dI rwiKaf dy pwK ivc iek vwKrf rol hY[ hr iek bfry ijLafdf jfxkfrI aMiqkf 3 ivc dyKI jf skdI hY[ sUbfeI srkfr df rol aYkt aqy rYgUlysLn ibRitsL kolMbIaf ivc rIal iestyt syvfvF dy inXmF leI mhwqvpUrn ZFcf pRdfn krdf hY aqy mhwqvpUrn pwK inXq krdf hY ijvyN ik: }} rIal iestyt lfiesMs dI kdoN loV hY; }} lsMsIaF dIaF iksmF aqy brokryj aqy lsMsIaF ivckfr sMbMD; }} lsMsIaF dy PrjL aqy pysLfvr vqIry dy imafr; }} anusLfsn aqy dMz; }} rIal iestyt kONsl aqy ies dIaF kmytIaF df kMtrol aqy ZFcf; aqy }} rIal iestyt kONsl aqy suprientYnzYNt dIaF pVqfl krn dIaF qfkqF aqy aiDkfr[ sUbfeI srkfr dy ivc, ieh ivwq mihkmf (minstrI aOP PfienYNs) hY ijhVf ieh pwkf krdf hY ik ieh ZFcf lokF dy ihwqF dI rfKI krn leI kfrgr aqy asrdfr hY[ ivwq mMqrI rIal iestyt kONsl aqy suprientYnzYNt aOP rIal iestyt donF leI ijLMmyvfr mMqrI hY ijs df dPqr PfienYNsLl ieMstIicAUsLnjL kimsLn nfl hY jo ik srkfr dI inXm bxfAux vflI iek eyjMsI hY[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 9

aYkt rIal iestyt kONsl nUM svY-inXmbwDqf vflI sMsQf bxfAuNdf hY aqy afpxy inXmF aqy bfeIlfajL nUM iqafr aqy lfgU krn leI ies nUM vwzIaF qfkqF idMdf hY[ ieh not krnf mhwqvpUrn hY ik aYkt df sYksLn 130 srkfr nUM aijhy inXm bxfAux dI sLkqI idMdf hY ijnHF dI rIal iestyt kONsl vloN bxfey gey koeI vI inXmF jF bfeIlfajL AuWpr pihl huMdI hY[ ies qrIky nfl sUby ivcly rIal iestyt dy inXmF AuWpr srkfr afKrI aiDkfr afpxf rwKdI hY[ ies qfkq ny srkfr nUM rIal iestyt kOntrYkt aOP prcyjL aYNz syl ivc kOntrYkt nUM asfeIn krn (agFh dyx) dIaF sLrqF `qy qfjLf nvF inXm bxfAux dy Xog bxfieaf[

}

aYkt srkfr nUM aijhy inXm bxfAux dI sLkqI idMdf hY ijnHF dI rIal iestyt kONsl vloN bxfey gey koeI vI inXmF jF bfeIlfajL AuWpr pihl huMdI hY[

suprientYnzYNt aOP rIal iestyt df rol aYkt ivc 2005 ivc kIqIaF geIaF soDF ny rIal iestyt ieMzstrI nUM svY-inXmbwDqf dIaF pUrIaF qfkqF dy idwqIaF aqy rIal iestyt kONsl AuWpr suprientYnzYNt dI ingrfnI df kfrj Kyqr sImq ho igaf[ aYkt nfjLk hflqF ivc suprientYnzYNt nUM iksy lsMsI dy vrqfa bfry noits jfrI krn aqy suxvfeI krn df aiDkfr idMdf hY ijwQy lsMsI ies qrIky nfl vrqfa kr irhf hovy ijhVf lokF leI gMBIr rUp ivc nuksfndyh hovy aqy rIal iestyt kONsl ny suxvfeI df noits jF afrzr jfrI nf kIqf hovy[ suprientYnzYNt kol PfienYNsLl srivisjL itRibAUnl kol apIl krn df vI hwk hY ijwQy ieh rIal iestyt kONsl vloN kIqIaF geIaF anusLfsnI kfrvfeIaF dy sMbMD ivc jfrI kIqy gey afrzrF df ivroD krdf hY[

}

aYkt ivc 2005 ivc kIqIaF geIaF soDF ny rIal iestyt ieMzstrI nUM svY-inXmbwDqf dIaF pUrIaF qfkqF dy idwqIaF aqy rIal iestyt kONsl AuWpr suprientYnzYNt dI ingrfnI df kfrj Kyqr sImq ho igaf[

gYr-lfiesMssLudf rIal iestyt syvfvF nUM inXmbwD rwKx dI ijLMmyvfrI suprientYnzYNt kol kfiem hY[ aYkt AunHF ivakqIaF dIaF srgrmIaF dI pVqfl krn leI afpxf aiDkfr vrqdf hY ijhVy ibnF iksy lfiesMs dy PIsF dI afs ivc rIal iestyt syvfvF dyx ivc sLfml hn[ suxvfeI qoN bfad, suprientYnzYNt gYr-lfiesMssLudf ivakqIaF nUM afpxf kMm bMd krn leI kih skdf hY, Aupfa krn vfly Kfs kdm cuwk skdf hY aqy iksy ivakqI nUM 10,000 zflr qwk aqy iksy ihwsydfrI jF kfrporysLn nUM 20,000 zflr qwk jurmfnf lf skdf hY[

10 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

rIal iestyt kONsl aOP ibRitsL kolMbIaf df rol rIal iestyt kONsl iek kfnUMnI kfrporysLn hY jo rIal iestyt ieMzstrI nUM inXmbwD krn leI aYkt aDIn cwl rhI hY[ aYkt, rIal iestyt kONsl dy AudysL ieh krn leI sQfpq krdf hY: }} aYkt aqy rYgUlysLn, inXmF aqy bfeIlfajL df ieMqjLfm krn leI; }} ies dy lsMsIaF dy igafn, hunr aqy Xogqf nUM kfiem rwKx aqy vDfAux leI; aqy }} ies dy lsMsIaF dy vqIry aqy nyk-nIqI dy sMbMD ivc lokF dy ihwqF nUM kfiem rwKx aqy bcfAux leI[ kONsl sUby ivc lsMsIaF dy ivhfr dy sfry pwKF nUM inXmbwD krn leI ijLMmyvfr hY, ijs ivc muZlI Xogqf, lfiesMisMg aqy pVHfeI qoN lY ky lsMsIaF dy rojLmrf dy kMm sLfml hn[ ies df aiDkfr inXmF dI pflxf, jfrI rihx vflI ingrfnI aqy pVcol, isLkfieqF dI pVqfl aqy lsMsI dy glq vrqfa kfrn anusLfsnI kfrvfeI dy sfry pwKF nUM kvr krdf hY[ rIal iestyt kONsl, aYkt aqy rYgUlysLn dI ivvsQf krky aqy ienHF nUM lfgU krky aqy afpxy inXm aqy bfeIlfajL bxf ky aqy lfgU krky afpxf ivDfnk afdysL pUrf krdI hY[ aYkt, rIal iestyt kONsl nUM koeI vI Auh bfeIlfajL jF inXm bxfAux leI vwzf aiDkfr idMdf hY ijhVf ieh afpxy ibjLns aqy mfmilaF leI jLrUrI jF munfsb smJdI hY[ inXm kfrj pRxflI dIaF sLrqF bfry dwsdy hn ijnHF dI rIal iestyt kONsl vloN afpxy bfeIlfajL aqy inXm bxfAux vyly pflxf kIqI jfxI jLrUrI hY, ijs ivc ieh vI sLfml hn: }} koeI bfeIlfa jF inXm bxfAux qoN 30 idn pihlF, rIal iestyt kONsl leI qjvIjLsLudf bfeIlfa jF inXm bfry lsMsIaF nUM dwsxf jLrUrI hY aqy AunHF nUM afpxy ivcfr dyx df mOkf dyxf jLrUrI hY; }} rIal iestyt kONsl leI qjvIjLsLudf bfeIlfa jF inXm dI iek kfpI minstr aqy suprientYnzYNt nUM Byjxf jLrUrI hY; aqy }} koeI bfeIlfa jF inXm bxfAux jF ies ivc qbdIlI krn leI, rIal iestyt kONsl dy 75% mYNbrF leI nvyN jF bdly hoey inXm jF bfeIlfa nUM pRvfn krn dI vot pfAuxf jLrUrI hY[ rIal iestyt kONsl dy inXm aqy bfeIlfajL mhwqvpUrn mfmilaF nUM kvr krdy hn ijvyN ik: }} lfiesMs lYx jF nivafAux leI iksy ivakqI dIaF XogqfvF; }} lfiesMsF dI imafd; }} lfiesMs dIaF vwK vwK sLRyxIaF aqy hr sLRyxI `qy lfgU hox vflIaF sLrqF aqy pfbMdIaF; }} brokryjF aqy AunHF dy sMbMiDq lsMsIaF ivckfr aqy afpsI sMbMD aqy sihXogI brokrF aqy mYnyijMg brokrF dy numfieMidaF dI ingrfnI dy sMbMD ivc inXm; }} jfrI rihx vflI pysLfvr iswiKaf lYx leI lsMsIaF leI sLrqF; }} vqIry dy imafr aqy lsMsIaF leI ibjLns dI pRYkits dy imafr; }} lsMsIaF vloN clfey jFdy trwst akfAUNtF leI sLrqF; }} lsMsIaF vloN ibjLns dy nfvF dI vrqoN aqy lsMsIaF vloN kIqI jFdI msLhUrI df rUp aqy smwgrI; }} rIal iestyt dIaF syvfvF dyx leI imafrI Pfrm vrqx dI mMg; }} rIal iestyt dIaF syvfvF dyx leI lsMsIaF vloN izsklojLr dIaF mMgF; aqy }} irkfrz, irportF aqy hor jfxkfrI ijhVI lsMsIaF vloN rwKI jfxI aqy/jF rIal iestyt kONsl kol drj krvfeI jfxI jLrUrI hY[ REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 11

rIal iestyt kONsl df ZFcf rIal iestyt kONsl sqfrF mYNbrI borz vloN clfeI jFdI hY[ borz aqy borz dIaF Kfs kmytIaF dy afkfr aqy bxqr aYkt vloN inXq kIqy jFdy hn[ sqfrF mYNbrF ivwcoN: }} qyrF rIal iestyt lsMsI hn aqy sfQI lsMsIaF vloN cuxy jFdy hn; }} iqMn mYNbr pbilk ivwcoN hn ijhVy rIal iestyt lsMsI nhIN hn, aqy srkfr vloN inXukq kIqy jFdy hn; aqy }} iek rIal iestyt kONsl vloN strYtf pRfprtI mflkF dy ihwqF dI numfieMdgI krn leI inXukq kIqf jFdf hY[ cuxy jfx vfly qyrF borz mYNbr sUby Br dy swq vwK vwK BUgoilk ielfikaF dI numfieMdgI krdy hn; qyrF ivwcoN nON df mYnyijMg jF aYsosIeyt brokr hoxf jLrUrI hY[ sfry mYNbr do sfl dI imafd leI kMm krdy hn[ kONsl kol keI borz kmytIaF huMdIaF hn ijhVIaF ies dI qrPoN idwqy gey aiDkfr nfl kMm krdIaF hn aqy mhwqvpUrn ijLMmyvfrIaF inBfAuNdIaF hn[ ienHF ivc isLkfieq kmytI, sihmqI afrzr dI pVcol krn vflI kmytI, anusLfsnI kmytI, aqy suxvfeI kmytI sLfml hn[ kONsl kol sMqflI Puwl aqy pfrt tfeIm mulfjLm hn[

pVqfl aqy isLkfieqF nfl iswJxf rIal iestyt kONsl kol lsMsIaF vloN aYkt, rYgUlysLn aqy rIal iestyt kONsl dy inXmF dIaF sMBv AulMGxfvF dI pVqfl krn df aiDkfr aqy ijLMmyvfrI hY[ kONsl keI cIjLF dy jvfb vjoN pVqfl krnf sLurU kr skdI hY, ijs ivc ieh vI sLfml hn: }} iksy Kpqkfr (kMijLAUmr) vloN isLkfieq imlx qy; }} iksy lsMsI vloN isLkfieq imlx qy; }} suprientYnzYNt aOP rIal iestyt dy dPqr vloN rYPrl dy jvfb vjoN; }} brokryj dPqrF aqy irkfrzF dIaF kONsl vloN kIqIaF jfx vflIaF ieMspYksLnF dy ihwsy vjoN; aqy }} kONsl dy afpxy AuWdm `qy[ isLkfieqF jF hor mfmly ijhVy pVqfl df kfrn bxdy hn, AunHF nUM lokF nUM nuksfn dy Kqry dI asYWsmYNt muqfbk qrjIh idwqI jFdI hY[ jy anusLfsnI kfrvfeI krn dy hwk ivc ZukvF sbUq imldf hY qF Pfiel df sMKyp isLkfieq kmytI nUM idwqf jFdf hY jo ik ieh PYslf krn leI ijLMmyvfr huMdI hY ik kI mfmly nUM anusLfsnI suxvfeI leI Byjxf hY jF nhIN[ jy kmytI suxvfeI krn df PYslf krdI hY qF suxvfeI df noits jfrI kIqf jFdf hY, ijs mukfm `qy lsMsI sihmqI afrzr leI qjvIjL drj krvf skdf hY jF suxvfeI jfrI rwK skdf hY[ }} suxvfeI (hIairMg) inXm lfgU krn vflI iek rsmI kfrvfeI hY ijwQy donF iDrF vloN sbUq idwqy jFdy hn aqy PYsly iek inrpwK kmytI vloN kIqy jFdy hn[ }} sihmqI afrzr ivc lsMsI afpxy aXog vrqfa nUM mMndf hY aqy jurmfny leI sihmq huMdf hY[

12 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

jy lsMsI glq vrqfa nUM mMnx df KfhsLmMd hovy qF Aus kol sihmqI afrzr nfl inptfry dI qjvIjL dyx df kfnUMnI hwk hY[ qjvIjL ivc qwQF bfry sihmq hoieaf ibafn, iekbfl, apIl krn dy hwk nUM iqafgxf aqy pRvfn krn Xog sjLfvF sLfml hn[ qjvIjLF df KrVf kONsl dy lIgl stfP vloN ivcfiraf jFdf hY, aqy iPr ies `qy sihmqI afrzr df irvIAU krn vflI kmytI vloN ajLfdfnf qOr `qy ivcfr kIqf jFdf hY[ ieh kmytI qjvIjLsLudf sihmqI afrzr nUM pRvfn kr skdI hY, soDF dI qjvIjL dy skdI hY, jF ies nUM rwd kr skdI hY, ijs kys ivc anusLfsnI suxvfeI kIqI jf skdI hY[ inXmF dI pflxf krfAux dy isstmF ivc sihmqI afrzr afm vrqy jFdy hn ikAuNik Auh inXmF dI pflxf krfAux dy isstm ivc iensfP aqy kfblIaq nUM AuqsLfh idMdy hn aqy ies ivc ienHF df ijLafdf qyjLI nfl aqy bhuq sfry Gwt vsIilaF nfl inptfrf kIqf jf skdf hY[ jy lsMsI aXog vrqfa nUM mMnx leI iqafr nf hovy qF kONsl dy mYNbrF ivwcoN iek suxvfeI kmytI bxfeI jFdI hY aqy hr iDr nUM afpxy leI PYsly dy hwk ivc sbUq dyx df mOkf idwqf jFdf hY[ suxvfeI kmytI Aus sbUq dy afDfr `qy PYslf krdI hY ijhVf ieh suxdI hY, smyq ies cIjL dy ik ikhVy jurmfny jF dMz lfey jfxy cfhIdy hn, jy koeI lfey jfxy hn[ sfry kysF ivc, isrP AunHF qoN ibnF ijnHF ivc gumnfm isLkfieqF huMdIaF hn, isLkfieq krqfvF nUM asYWsmYNt dy nqIijaF bfry aqy ijvyN vI lfgU huMdf hovy cuwky jfx vfly kdmF aqy inkly nqIijaF bfry dwisaf jFdf hY[ sUcI 1 rIal iestyt kONsl kol afeIaF isLkfieqF dy aMkVy sfl

imlIaF isLk fieqF dI igxqI

jfrI kIqy gey sihmqI afrzrF dI igxqI

kIqIaF geIaF anus L fsnI suxvfeIaF dI igxqI

kIqIaF geIaF Xog qf suxvfeIaF dI igxqI

2012/2013

538

2013/2014

413

2014/2015

536*

* i enHF ivwcoN 100 iewko isLkfieq dy sMbMD ivc iek ivakqI vloN kIqIaF geIaF sn[ (aMiqkf 5 isLkfieqF nfl iswJx df kfrj dyKo)

anusLfsn aqy ies nUM lfgU krnf svY-inXmbwDqf vflI aQfrtI dy ihwsy vjoN, rIal iestyt kONsl kol AunHF lsMsIaF `qy jurmfnf aqy dMz lfAux dI qfkq hY ijhVy aYkt, rYgUlysLn jF kONsl dy inXmF aqy bfeIlfajL dI avwigaf krdy hn[ pfbMdIaF df pwDr aqy jurmfinaF df afkfr aYkt aqy rYgUlysLn ivc qih kIqf jFdf hY aqy ieh iPtkfrF aqy leI jfx vflI ividaf jF tryinMg qoN lY ky lfiesMsF aqy lsMsI srgrmIaF `qy sLrqF jF sImfvF, lfiesMs `qy ingrfnIaF jF lfiesMsF nUM kYNsl krn, jurmfinaF aqy mfiek jurmfinaF qwk vwK vwK huMdy hn[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 13

mfiek jurmfny do sLRyxIaF ivc afAuNdy hn aqy jurmfinaF df afkfr ivDfn vloN insLicq kIqf jFdf hY: }} pRbMDkI jurmfny – AunHF hflqF ivc lfgU huMdy hn ijwQy lsMsI jF brokryj rYgUlysLn ivc qih kIqy inXmF dI iek Kfs ilst dI avwigaf krdy hn[ inXm afm qOr `qy tYknIkl jF kfrobfrI huMdy hn aqy ieh lsMsI dy vrqfa nfl sMbMiDq nhIN huMdy[ hr avwigaf leI lfey gey jurmfny dI rkm lfiesMs dy pwDr jF sLRyxI muqfbk aqy pihlI jF aglIaF avwigafvF muqfbk vwK vwK ho skdI hY[ vwD qoN vwD pRbMDkI jurmfnf 1000 zflr hY[ }} anusLfsnI jurmfny – AunHF hflqF ivc lfgU huMdy hn ijwQy lsMsIaF ny poRPYsLnl aXog vrqfa jF lsMsI vjoN glq vrqfa kIqf huMdf hY[ kONsl ijhVf vwD qoN vwD anusLfsnI jurmfnf iksy lsMsI `qy lgf skdI hY Auh 10,000 zflr hY aqy iksy brokryj leI 20,000 zflr hY[ aYkt AunHF ivakqIaF aqy kfrporysLnF nUM jurmfny krn dI qfkq vI idMdf hY ijhVy aYkt dy sYksLn 118 muqfbk koeI Kfs jurm kfrn iksy mujrmfnf mukwdmy ivc dosLI pfey gey hn, ijnHF ivc ieh vI sLfml hn: }} lfiesMs qoN ibnF rIal iestyt dIaF syvfvF dyxf; }} trwst akfAUNtF ivc pymYNtF krn jF pymYNtF kZfAux dy sMbMD ivc PylH hoxf; }} pVqfl ivc dKLlaMdfjLI krnf; }} rIal iestyt kONsl, anusLfsnI kmytI jF suprientYnzYNt dy iksy afrzr dI pflxf krn ivc PylH hoxf; aqy }} AunHF irkfrzF ivc glq jF gumrfh krn vflf ibafn dyxf ijhVy aYkt aDIn Bry, drj krvfey gey, idwqy jF zilvr kIqy gey hn[ kfrporysLnF nUM pihlI dosL iswDI leI 50,000 zflr qwk jurmfnf kIqf jf skdf hY, aqy ies qoN bfad dI hr dosL iswDI leI vwD qoN vwD 100,000 zflr jurmfnf kIqf jf skdf hY[ ivakqIaF nUM pihlIaF dosL iswDIaF leI 50,000 zflr qwk jurmfnf kIqf jf skdf hY jF do sflF qwk dI kYd ho skdI hY aqy bfad dIaF dosL iswDIaF leI 100,000 zflr qwk jurmfnf aqy do sflF qwk dI kYd ho skdI hY[ rIal iestyt kONsl afpxy vYWbsfeIt `qy sfry sihmqI afrzrF aqy anusLfsnI suxvfeIaF dy sMKyp CfpdI hY aqy mukMml rUp CANLII ivc vI Cfpy jFdy hn jo ik kys lfa aqy kfnUMn dI muPq, KulHI aOnlfeIn pblIkysLn leI smripq iek aOnlfeIn vsIlf hY[

PMizMg rIal iestyt kONsl nUM PMz pUrI qrHF lsMsIaF vloN idwqIaF jFdIaF PIsF aqy asYWsmYNtF qoN imldy hn[ inwjI aqy brokryj lfiesMs PIsF aqy asYWsmYNtF do sflF bfad idwqIaF jFdIaF hn[ sUcI 2 mOjUdf PIsF aqy asYWsmYNtF bfry dwsdI hY[

14 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

sUcI 2 rIal iestyt rYgUlysLn PIsF aqy asYWsmYNtF lfiesM s asY W smY N t

$450

aY rrjL aY Nz EimsL njL iensL o rY Ns asY W smY N t

$700

su p rientY n zY N t aO P rIal iesty t*

$50

rIal iesty t kM p nsy sL n PM z

$100 hr lsMsI

lfiesM s nivafAu x , qbdIl krn aqy lfiesM s dy pw D r jF sL R y xI bdlx leI PIs

$30

kw u l – lfiesM s nivafAu x leI lsM sIaF vlo N hr do sflF bfad idw q y jFdy pY sy

$1,330 ivakqIaF leI (nvyN jF dubfrf lfiesMs lYx vfilaF leI $1,360)

($250 brokryj/sol propRfeItr)

$1,480 brokryj/sol propRfeItr leI (nvyN jF dubfrf lfiesMs lYx vfilaF leI $1,510)

* ieh ihwsf afpxy PrjL inBfAux dy KricaF leI suprientYnzYNt aOP rIal iestyt nUM idwqf jFdf hY[

jurmfinaF qoN afmdn aYkt aDIn, anusLfsnI jurmfinaF qoN iekwTy hoey pYsy rIal iestyt kONsl dI afm afmdn df ihwsf nhIN bx skdy[ ies dI bjfey, ieh pYsy ieMzstrI dy kfrj Kyqr aqy rYgUlysLn bfry aqy rIal iestyt aqy rIal iestyt syvfvF nfl sMbMiDq mfmilaF bfry lokF, lsMsIaF aqy ieMzstrI dy hor ihwsydfrF nUM iswiKaf dyx dy mMqv leI iek smrpq aYjUkysLn PMz ivc idwqy jfxy jLrUrI hn[ ieMzstrI aYsosIeysLnF df rol

ibRitsL kolMbIaf rIal iestyt aYsosIeysLn aqy kYnyzIan rIal iestyt aYsosIeysLn ibRitsL kolMbIaf rIal iestyt aYsosIeysLn (bI sI afr eI ey) (www.bcrea.bc.ca) aqy kYnyzIan rIal iestyt aYsosIeysLn (sI afr eI ey) (www.crea.ca) tryz aYsosIeysLnF hn ijnHF dy mYNbrF ivc lokl rIal iestyt borz aqy dysL Br dy AunHF dy brfbr dy hor borz sLfml hn[ bI sI afr eI ey sUby ivc kMm krdI hY aqy sI afr eI ey dysL ivc kMm krdI hY[ sI afr eI ey, bI sI afr eI ey aqy lokl borzF ny iek aijhf ZFcf bxfieaf hoieaf hY ijhVf sfry iqMnF pwDrF `qy mYNbrisLp dI mMg krdf hY – sQfnk qOr `qy sUby dy iek borz ivc, sUbfeI qOr `qy bI sI afr eI ey ivc aqy dysL dy pwDr `qy sI afr eI ey ivc[ mYNbrisLp dIaF PIsF sQfnk qOr `qy iekwTIaF kIqIaF jFdIaF hn ijs df iek ihwsf rwiKaf jFdf hY aqy bfkI ihwsf sUbfeI aqy nYsLnl aYsosIeysLnF nUM Byijaf jFdf hY[ ieh PIsF vwK vwK srgrmIaF leI idwqIaF jFdIaF hn ijnHF bfry sUcI 3 ivc dwisaf igaf hY[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 15

sUcI 3 rIal iestyt ieMzstrI dIaF aYsosIeysLnF dy rol aqy srgrmIaF sI afr eI ey

»» PYzrl srkfr kol lObI krdI hY aqy dysL ivc aqy aMqrrfsLtrI pwDr `qy rIal iestyt ieMzstrI dI numfieMdgI krdI hY[ »» tryzmfrk aqy srtIiPkysLn mfrk stYNzrzjL aqy vrqoN nUM kMtrol krdI hY aqy ihPfjLq krdI hY[ »» REALTOR®1 koz aqy hor imafrF nUM kfiem rwKdI hY[ »» vwK vwK sUibaF ivc mYNbrF aqy aYsosIeysLnF ivckfr mqByqF leI ivcolpuxy dIaF syvfvF pRdfn krdI hY[

bI sI afr eI ey

»» sUbfeI srkfr kol lObI krdI hY aqy sUby ivc rIal iestyt ieMzstrI dI numfieMdgI krdI hY[ »» lokl borz dy aiDkfr KyqrF nUM aqy nOn-borz KyqrF ivc mYNbrisLp pRosYWisMg kfiem rwKdI hY[ »» vwK vwK borzF dy KyqrF ivc mYNbrF aqy borzF ivckfr mqBydF dy hwl krdI hY[ »» rIal iestyt syvfvF ivc vrqy jfx leI stYNzrz Pfrm iqafr krdI hY[ »» iswiKaf jfrI rwKx dy kors idMdI hY[

rIal iesty t bo r z

»» imAUinspl srkfrF kol lObI krdy hn aqy sQfnk pwDr `qy rIal iestyt ieMzstrI dI numfieMdgI krdy hn[ »» mYNbrisLp pRosYWs krdy hn, mYNbrisLp leI sLrqF qih krdy hn aqy mYNbrisLp PIsF iekwqr krdy hn[ »» MLS® isstm nUM clfAuNdy aqy kMtrol krdy hn[ »» aijhy inXm bxfAuNdy aqy lfgU krdy hn ijhVy sI afr eI ey dIaF nYsLnl pflsIaF dI ihmfieq krdy hn[ »» REALTOR® koz aqy hor imafr lfgU krdy hn[ »» mYNbrF ivcly mqBydF dy hwl krdy hn[

jy koeI ivakqI rIal iestyt kONsl vloN lfiesMssLudf hY qF ies cIjL dI koeI sLrq nhIN hY ik Auh iksy lokl borz jF do asYsosIeysLnF df mYNbr vI hovy[ pr, ikAuNik isrP borz dy mYNbr hI MLS® (mltIpl ilsitMg srivs) qwk phuMc kr skdy hn, jo ik sUby ivc rIal iestyt syvfvF pRdfn krn df iek jLrUrI sfDn hY, ibRitsL kolMbIaf ivcly sfry rIal iestyt lsMsIaF ivwcoN qkrIbn 95% iksy sQfnk borz dy mYNbr hn, aqy ies qrHF sUbfeI aqy nYsLnl aYsosIeysLnF dy vI mYNbr hn[ 1

1 sLbd REALTOR© aqy REALTOR® lOgo tryzmfrk hn ijnHF dI mflkI REALTOR® kYnyzf ieMk kol hY, jo ik iek kfrporysLn hY ijhVI sFJy qOr `qy nYsLnl aYsosIeysLn aOP REALTOR® aqy sI afr eI ey dI mflkI hyT hY[ ieh tryzmfrk isrP AunHF lsMsIaF vloN hI vrqy jf skdy hn ijhVy sI afr eI ey dy mYNbr hn[

16 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

rIal iestyt borz sUby Br ivc 11 rIal iestyt borz sQfnk pwDr `qy kMm kr rhy hn (aMiqkf 4 dyKo)[ ieMzstrI tryz aYsosIeysLnF vFg, sUby dy borz aYkt vloN jF iksy hor knUMn vloN nhIN bxfey gey aqy ienHF nUM rIal iestyt kONsl jF suprientYnzYNt vloN iswDf inXmbwD nhIN kIqf jFdf[ pr, borz dy mYNbr ijhVy ik sfry rIal iestyt lsMsI huMdy hn, rIal iestyt kONsl dy inXmF aDIn hn[ ijvyN ik sUcI 3 ivc dwsy gey kMmF ivc not kIqf igaf hY, borz df afpxy mYNbrF dy vrqfa aqy amlF AuWpr asr huMdf hY[ Auh aijhf mYNbrF qoN REALTOR® koz aOP aYiQks (koz) aqy stYNzrzjL aOP ibjLns pRYkits (imafr) dI pflxf krn dI mMg krky krdy hn[ REALTOR® koz aqy imafr nYsLnl imafr vjoN sI afr eI ey vloN insLcq kIqy jFdy hn jo ik borzF rfhIN sQfnk pwDr `qy kuJ sImq ielfkfeI qbdIlIaF nfl lfgU kIqy jFdy hn[ REALTOR® koz aqy imafr sfry mYNbrF `qy, afpxy lokl borzF, sUbfeI aqy nYsLnl aYsosIeysLnF ivc AunHF dI muZlI aqy jfrI rihx vflI mYNbrisLp aqy ibRitsL kolMbIaf ivc MLS® qwk phuMc krn dI iek jLrUrI sLrq vjoN lfgU huMdy hn[

rIal iestyt borz aqy rYgUltr REALTOR® koz aqy imafrF aqy aYkt muqfbk bxfey gey inXmF dI pflxf krfAux dy isstm, ivDfn aqy rIal iestyt kONsl dy inXmF ivckfr Prk nUM pCfxnf jLrUrI hY[ isrP rIal iestyt kONsl lsMsIaF dy vqIry aqy pRYkits leI lfgU krn Xog imafr qih krdI hY, aqy ies df mksd lokF dy ihwqF dI rfKI krnf hY[ ies dy mukfbly ivc, REALTOR® koz aqy imafr aYsosIeysLn dy mYNbrF vloN afpxy sFJy ihwqF leI bxfey jFdy hn aqy ienHF `qy lokF dI ingrfnI jF CfxbIx lfgU nhIN huMdI[

}

isrP inXmF dI pflxf krfAux df isstm lsMsIaF dy vqIry aqy pRYkits leI lfgU krn Xog imafr qih krdf hY[

rIal iestyt ieMzstrI nfl lokF df qflmyl rIal iestyt kONsl “ibRitsL kolMbIaf ivc Gr KrIdxf” aqy ibRitsL kolMbIaf ivc Gr vycxf” nF dy brosLr CfpdI hY[ ieh strYtf mflkI aqy mYnyjmYNt nfl sMbMiDq vsIly vI CfpdI hY[ kONsl df vYWbsfeIt KpqkfrF leI jfxkfrI aqy vsIly pRdfn krdf hY ijs ivc lsMsI nUM lwBx leI tUl aqy ieh jfxkfrI vI sLfml hY ik iksy lsMsI dy vrqfa jF Xogqf bfry kONsl kol isLkfieq ikvyN krnI hY[ sfl 2015 ivc, vYWbsfeIt `qy hr mhIny 73,300 nfloN ijLafdf ivjLtF hoeIaF hn jo ik sfl dIaF 62,200 ivjLtF nfloN vwD sn[ sfl 2015 ivc, rIal iestyt kONsl dI qrPoN rIal iestyt dy KpqkfrF `qy kIqy gey iek srvy qoN ieh pqf lwigaf ik 30% Kpqkfr ieh jfxdy sn ik iksy lsMsI bfry kONsl kol isLkfieq ikvyN drj krvfAuxI hY[ Aus sfl ivc, kONsl nUM lsMsIaF iKlfP 536 isLkfieqF imlIaF, ijnHF ivwcoN 65% isLkfieqF lokF qoN afeIaF sn[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 17

VI // ibRitsL kolMbIaf ivc rIal iestyt lsMsIaF leI mOjUdf inXm aqy sLrqF svY-inXmbwDqf vfly hor isstmF vFg hI, rIal iestyt pysLy ivc pysLfvr vqIry aqy pRYkits dI bhuqI mOjUdf ingrfnI ienHF cIjLF `qy inrBr krdI hY: }} svY-irporitMg, jo ik dubfrf lfiesMs lYx leI arjLI aqy XogqfvF dy kfrj nfl sLurU huMdI hY; }} lsMsIaF vloN afpxy gfhkF (klfieMts) aqy AunHF dy brokryjF nUM shI izsklojLr dIaF ijLMmyvfrIaF, aqy brokryjF aqy lsMsIaF vloN rYgUlytr nUM; }} lsMsI dy vqIry `qy brokryj afDfirq aMdrUnI kMtrol aqy ingrfnI; }} irkfrz rwKx aqy muwK izsklojLr aqy sOidaF dy kfgjL-pwqr iekwTy kIqy gey zYty nfl brokryjF vloN sFBx `qy jF irportF rYgUlytr (ingrfn) kol drj krfAux `qy; aqy }} lsMsI aqy pbilk vloN sLurU kIqIaF geIaF isLkfieqF aqy lsMsI dy vqIry aqy amlF nfl sMbMiDq iPkrF bfry rIal iestyt kONsl nUM irportF `qy[ svY-inXmbwDqf df ieh isstm, ieh XkInI bxfAux leI rIal iestyt lsMsIaF `qy kfPI sfrf Brosf aqy ijLMmyvfrI suwtdf hY ik AunHF df afpxf aqy hornF df vrqfa rYgUlytrI sLrqF aqy AumIdF pUrIaF krdf hY[ svY-inXmbwDqf dy sfry isstmF vFg, ieh mMg krdf hY ik pysLy dy mYNbr, nYiqkqf, imafrF aqy pysLfvrI nUM XkInI bxfAux jo ik AunHF dI ieMzstrI nUM insLicq krdy hn[

}

svY-inXmbwDqf df isstm ieh mMg krdf hY ik pysLy dy mYNbr, nYiqkqf, imafrF aqy pysLfvrI nUM XkInI bxfAux leI srgrm rol inBfAux jo ik AunHF dI ieMzstrI nUM insLicq krdy hn[

pysLfvr vqIry dIaF sLrqF rIal iestyt kONsl dy inXm, rIal iestyt lsMsIaF dy afpxy klfieMtF pRqI bhuq sfry kfnUMnI PrjL aqy ijLMmyvfrIaF insLcq krdy hn[ inXmF ivc vwzf aqy ivafpk ibafn sLfml hY jo kihMdf hY ik “rIal iestyt dIaF syvfvF dyx vyly, lsMsI leI eImfndfrI aqy vfjb iDafn aqy hunrF nfl kMm krnf jLrUrI hY”[ AunHF ivc Kfs sLrqF dI iek ilst vI sLfml hY ijnHF dI pflxf krnf lsMsI leI jLrUrI hY: }} }} }} }}

klfieMt dy ibhqr ihwqF ivc kMm krnf; klfieMt vloN idwqIaF geIaF Auicq ihdfieqF dI pflxf krnf; isrP klfieMt vloN idwqy gey aiDkfr Kyqr dy ivc ivc kMm krnf; lsMsI dI muhfrq dy bfhrly mfmilaF bfry klfieMt nUM afjLfd pysLfvr slfh lYx dI slfh dyxf;

18 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

}} klfieMt nfl sMbMiDq jfxkfrI dI ByqdfrI nUM kfiem rwKxf; }} rIal iestyt syvfvF, aqy rIal iestyt aqy rIal iestyt dy lYx-dyx nfl sMbMiDq syvfvF bfry jfxI jFdI sfrI jfxkfrI klfieMt nUM dyxf; }} sfrIaF aOPrF bfry klfieMt nUM smyN isr, swcy aqy inrpwK qrIky nfl dwsxf; }} iksy vI Aus rIal iestyt nfl sMbMiDq ZukvyN qwQF df pqf lfAux leI vfjb Xqn krnf ijhVI rIal iestyt klfieMt lYx bfry ivcfr kr irhf hY; }} ihwqF dy tkrfa qoN bcx leI vfjb kdm cuwkxf; aqy }} iksy vI tkrfa bfry klfieMt nUM qurMq aqy pUrI qrHF dwsxf[

aXog vrqfa dI pirBfsLf aYkt muqfbk pysLfvr aXog vrqfa ivc iksy lsMsI vloN aYkt, ivDfn jF rIal iestyt kONsl dy inXmF dI koeI vI AulMGxf sLfml hY jF jy lsMsI ienHF ivwcoN iek jF ijLafdf krdf hY: }} aYkt ivc ibafn kIqy gey muqfbk “gYrkfnUMnI kMm” aqy “JUTf lYx-dyx” krdf hY; }} koeI vI kMm krn leI nflfiekI df iejLhfr krdf hY ijhVf lsMsI nUM krn dI loV hY; }} aYkt aDIn loVINdy iksy vI pypr ivc glq jF gumrfh krn vflf ibafn (smyq qruwtI dy) idMdf hY; }} pVqfl krn vfly nfl sihXog krn ivc PylH huMdf hY; jF }} kONsl dy iksy afrzr dI pflxf krn ivc PylH huMdf hY[ pysLfvr aXog vrqfa dy vwzy dfiery qoN ielfvf, aYkt “lsMsI leI aZukvyN vqIry” df sMklp vI insLcq krdf hY jo ik kONsl dI anusLfsnI kmytI dy ivcfrF ivc hY: }} lokF dy ibhqr ihwqF dy Ault; }} rIal iestyt ieMzstrI ivc lokF dy Brosy nUM kmjLor krdf hY; jF }} rIal iestyt ieMzstrI ivc bdnfmI ilafAuNdf hY[ kONsl dy inXm aqy aYkt rl ky iek spsLt afDfr-ryKf insLcq krdy hn ijs qoN AuWpr lsMsIaF leI afpxf kMm krnf jLrUrI hY nhIN qF Auh ies leI ijLMmyvfr smJy jfxgy[

}

kONsl dy inXm aqy aYkt rl ky iek spsLt afDfr-ryKf insLcq krdy hn ijs qoN AuWpr lsMsIaF leI afpxf kMm krnf jLrUrI hY nhIN qF Auh ies leI ijLMmyvfr smJy jfxgy[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 19

Xogqf aqy ZukvFpx rIal iestyt kONsl lokF aqy brokryjF dy lsMsF nfl sMbMiDq sfrIaF kfrvfeIaF leI aYkt aDIn ijLMmyvfr hY[ ieh ijLMmyvfrI pihlI vfrI lfiesMs lYx leI arjLI krn vfilaF dy ZukvyNpx aqy XogqfvF df PYslf krn qoN lY ky 24 mhIny bfad dubfrf lfiesMs lYx leI ZukvyNpx `qy ivcfr krn qwk hY[ kONsl sfry lfiesMs arjLIkrqfvF dy ZukvyNpx df PYslf krn nfl sMbMiDq keI kfrj krdI hY, ijs ivc arjLI ivc idwqI geI jfxkfrI dI pVcol krnf aqy sfry ivakqIgq arjLIkrqfvF df ikRmInl irkfrz aqy ihstrI cYWk krnf sLfml hY[ brokryjF dy sMbMD ivc, kONsl ieh vI pwkf krdI hY ik hr brokryj kol iek Xogqf pRfpq mYnyijMg brokr hovy aqy brokryj kfrobfr dI shI QF kfiem rwKx[ ijnHF kysF ivc ZukvyNpx dI koeI smwisaf hovy AunHF kysF ivc arjLIaF kONsl dy aYgjLYkitv aOPIsr, kfnUMnI ivBfg jF donF nUM hor pVqfl krn leI ByjIaF jFdIaF hn[ ieh hor pVcol lfiesMs dyx, sLrqF nfl lfiesMs dyx jF arjLI vfps ley jfx df kfrn bx skdI hY[ kuJ kysF ivc, ieh pVcol Xogqf leI suxvfeIaF df kfrn bx skdI hY[ Xogqf leI suxvfeI ivc suxvfeI krn vfly pYnl kol ieh sfbq krn dI ijLMmyvfrI arjLIkrqf dI hY ik Auh ZukvyN cirwqr vflf hY aqy lfiesMs leI aplfeI krn leI Xogqf rwKdf hY[ lfiesMs lYx leI pVHfeI aYkt, sUby ivc rIal iestyt dIaF syvfvF dyx leI lfiesMs mMgx vfly ivakqIaF leI rIal iestyt kONsl nUM ZukvIN pVHfeI df PYslf krn df aiDkfr aqy ijLMmyvfrI vI idMdf hY[ sUby ivc rIal iestyt lsMsI bxn dy cfhvfnF leI rIal iestyt dI pVHfeI dy korsF dI iqafrI aqy kors krfAux dI ijLMmyvfrI 1950ivaF ivc XUnIvristI aOP ibRitsL kolMbIaf nUM sONpI geI sI, aqy ieh hux XUnIvristI dy sOzr skUl aOP ibjLns dI rIal iestyt izvIjLn df ihwsf hY[ sOzr skUl aOP ibjLns, rIal iestyt kONsl dI syD hyT aqy ies dI slfh nfl lfiesMisMg leI kors izjLfien krn aqy iqafr krn leI ijLMmyvfr hY[ lfiesMsF dIaF vwK vwK sLRyxIaF leI ies vyly cfr lfiesMisMg kors hn[ sOzr skUl aOP ibjLns rfhIN kIqy jfx vfly kors dI sMpUrnqf aqy iemiqhfn, rIal iestyt syvfvF dyx leI lfiesMs lYx dI Xogqf dIaF ividak sLrqF dy ihwsy nUM pUrf krdy hn[ PfeInl iemiqhfn, kors dIaF asfienmYNtF pUrIaF krn qoN bfad do sflF dy ivc ivc idwqf jfxf aqy 65% gryz jF ijLafdf nfl pfs kIqf jfxf jLrUrI hY aqy aijhf vwD qoN vwD do koisLsLF ivc kIqf jfxf jLrUrI hY[ 1 jnvrI, 2015 qoN lY ky 29 PrvrI, 2016 dy smyN dOrfn 4,570 ividafrQIaF vloN lfiesMsF leI iemiqhfn idwqy gey sn aqy 68% ividafrQI pfs hoey sn[

20 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

ivhfrk pRYkits dIaF sLrqF lfiesMs leI kors aqy iemiqhfn pUrf kr lYx qoN bfad, arjLIkrqfvF leI ivhfrk pRYkits (aplfeIz pRYkits) df kors sLurU krnf jLrUrI hY aqy AunHF leI afrjLI lfiesMs leI Xog hox qoN pihlF ies df iek ihwsf pUrf krnf jLrUrI hY[ afrjLI (tYNpryrI) lsMsI, kors df bfkI ihwsf pUrf krn dOrfn rIal iestyt dIaF syvfvF dy skdy hn[ aplfeIz pRYkits kors jnvrI 2015 ivc vwzy pwDr `qy dubfrf izjLfien aqy nvyN isirAuN sLurU kIqf igaf sI[ dubfrf lfiesMs lYx leI pVHfeI lfiesMs nivafAux leI iek sLrq vjoN, sfry rIal iestyt lsMsIaF leI hr cOvI mhIny dy lfiesMisMg smyN dOrfn rIal iestyt kONsl df Cy GMitaF df rI-lfiesMisMg aYjUkysLn poRgrfm (afr eI pI) pUrf krnf jLrUrI hY[ ies vyly iek nfloN ijLafdf iksmF dy rIal iestyt lfiesMs vfly ivakqIaF leI iksy vfDU afr eI pI dI sLrq nhIN hY (Audfhrx leI, tryizMg syvfvF aqy strYtf pRfprtI mYnyjmYNt); pr, ies bfry kONsl ivcfr kr rhI hY[ rIal iestyt lsMsIaF leI, ijhVy 11 lokl rIal iestyt borzF ivwcoN iksy iek dy mYNbr hn, afpxI ieMzstrI tryz aYsosIeysLn aqy lokl borzF ivc mYNbrisLp jfrI rwKx leI lfiesMs dI hr do sflF dI imafd dOrfn, awT poRPYsLnl izvYlpmYNt poRgrfm krYizts pUry krnf vI jLrUrI hY[ ieh poRgrfm bI sI afr eI ey vloN iqafr aqy lfgU kIqf jFdf hY[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 21

VII // iswitaF df sMKyp afpxI pVcol (irvIAU) dy sLurU ivc, afeI ey jI ny afpxf iDafn AunHF keI KyqrF vwl idwqf ijhVy mIzIey ivc lsMsIaF dy aXog vrqfa bfry sB qoN ijLafdf smwisaf vfly idKfeI idMdy sn[ ieh Kyqr 12 aprYl, 2016 nUM ByjI geI sfzI aMiqRm irport dy ihwsy vjoN qih kIqy gey sn[ AunHF ivc sLfml sn:

pfrdrsLqf aqy nYiqk nym ijhVy lsMsI inwjI lfB leI prcyjL aYNz syl dy kOntrYktF dI asfienmYNt bfry dwsx ivc PylH ho rhy sn aqy afpxy klfieMtF dy ihwqF dI bjfey afpxy ihwq awgy rwK rhy sn[

hukm dI pflxf aqy iswty ieh Dfrnf ik rIal iestyt kONsl ny afpxy aiDkfr Kyqr aqy ijLMmyvfrIaF nUM “hlky pwDr” `qy inBfieaf hY jF ies dI sOVI ivafiKaf kIqI hY, aqy inXmF dI pflxf nf krn `qy lfey jfx vfly jurmfny ieMny Gwt sn ik ieh aXog vrqfa nUM rokx leI koeI BrosyXog asr nhIN pf skdy[

ieMzstrI df ZFcf aqy kMtrol rIal iestyt borzF, ieMzstrI aYsosIeysLnF aqy rIal iestyt kONsl ivckfr iek dUjy dy Zky hoey rol KpqkfrF aqy ieMzstrI ivckfr BMblBUsf pYdf kr rhy sn aqy jvfbdyhI nUM Gtf rhy sn[ ies dy ielfvf, kONsl afp aqy ies dIaF muwK kmytIaF ieMzstrI dy ihwsydfrF nfl BfrU sn[

jnqk aqy lsMsI igafn lokF dI Dfrnf, ijs ivc rIal ieMzstrI ivcly kuJ lokF dy iKafl vI sLfml sn ieh hY ik lsMsIaF leI dfKly dy pwDr aqy pVHfeI dy imafr ieMny Gtf aqy sOVy kr idwqy gey sn ik Auh hux aXog jF byasUly iKzfrIaF nUM sYktr qoN bfhr nhIN rwK skdy[ sfzI pVcol sLurU hox qoN pihlF afeI ey jI ny irport kIqI geI hr cIjL nUM qwQ vjoN pRvfn nhIN kIqf[ asIN DfrnfvF nUM cuxOqI idwqI aqy ijwQy vI sMBv hovy hor sbUq mMgy[ asIN smwisafvF nUM insLfnIaF qoN aqy qwQF nUM dUsLxF qoN vwK rwKx leI sucyq sI[ asIN pbilk aqy ieMzstrI dy ivcfrF ivc vfr vfr afAux vfly ivisLaF `qy aqy AunHF msilaF vwl iDafn idwqf ijhVy cMgy inXmF leI afm aqy muZly sn[ pr, sfzI pVcol dy aMq `qy, asIN ijhVy msilaF dI pCfx sLurU ivc kIqI sI, Auh hI sfzy iKafl muqfbk bdlx dI ijLafdf loV vfly mihsUs ho rhy sn[ ies Bfg ivc asIN Aupr ilKy cfr KyqrF dy hr Kyqr bfry ivsqfr sihq dwisaf hY aqy ieh dwisaf hY ik sfzy iKafl muqfbk ikhVIaF muZlIaF qbdIlIaF krn dI loV hY[ pfrdrsLqf aqy nYiqk nym BfvyN ik ieh swc hY ik ibRitsL kolMbIaf dy kuJ ihwisaF ivc aqy dunIaf Br dy hor vwzy sLihrF ivc rIal iestyt iek ienvYstmYNt bx geI hY, pr bhuqy lokF leI rIal iestyt df lYx-dyx Gr KrIdx aqy vycx bfry hY[ ieh iek aijhI cIjL hY ijhVI sfzy ivwcoN bhuqy afpxIaF ijLMdgIaF ivc isrP kuJ ku vfrI hI krdy hn ies krky sfnUM mfhrF dI mdd dI loV pYNdI hY[ mhwqvpUrn PYsly krn

22 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

ivc syD leI asIN Xogqf pRfpq rIal iestyt eyjMt `qy inrBr krdy hF, ieh Brosf krdy hoey ik Auh sfzy ibhqr ihwqF nUM afpxy mn ivc rwK rhy hn[ sfzy ivwcoN bhuiqaF leI Gr KrIdxf AunHF sB qoN vwzy ivwqI lYx-dyx ivwcoN iek hY ijhVy asIN afpxIaF ijLMdgIaF ivc krFgy aqy ieh sB qoN jjLbfqI PYsilaF ivwcoN vI iek hY[ ies dy ielfvf rIal iestyt KrIdx aqy vycx ivc afm qOr `qy vwzy PYsly krnf sLfml huMdf hY jo ik sImq simaF ivc krny pYNdy hn aqy sfrf qjrbf zrfAux vflf ho skdf hY aqy KpqkfrF nUM kmjLor mihsUs krvf skdf hY[ ies ivc dI lMGx ivc mdd leI Auh iksy lfiesMssLudf rIal iestyt eyjMt dIaF syvfvF lYNdy hn[ Brosf aqy muhfrq muZly qwq hn ijnHF nfl ieh sMbMD kMm krdf hY[ nYiqk nym aqy pfrdrsLqf pbilk dy Brosy dI buinafd hn[ ivwqI islisly aqy dunIaF Br ivc inXmF dy ingrfn ies qoN cMgI qrHF jfxU hn[ AunHF ny ipCly ivwqI sMkt dy sbkF nUM jjLb kIqf hY[ vqIry ivc nYiqkqf dI mhwqqf aqy pfrdrsLqf aqy nYiqkqf ivckfr sMbMDF nUM nvyN imafrF aqy ivwqI ieMzstrI dy hr pihlU ivc ijLafdf AumIdF nfl ilaFdf jf irhf hY[

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syD leI asIN Xogqf pRfpq rIal iestyt eyjMt `qy inrBr krdy hF, ieh Brosf krdy hoey ik Auh sfzy ibhqr ihwqF nUM afpxy mn ivc rwK rhy hn[

pfrdrsLqf Kfs qrIikaF ivc, rIal iestyt ieMzstrI pfrdrsLqf ivc ivwqI sYktr dy hor ihwisaF nfloN awgy hY[ juiVaf hoieaf muafvjLf aqy gupq mukfbly aijhy vDdy aml dyKy gey hn ijhVy KpqkfrF leI Kqry pYdf krdy hn aqy ijnHF nUM Kqm kIqf jfxf cfhIdf hY[ rIal iestyt ivc, kimsLnF aqy ihwqF dy tkrfa nUM jLfhr krn dI mMg keI sflF qoN inXm lfgU krfAux vfly isstm dy ihwsy vjoN kIqI geI hY[ ivwqI sYktr dy ajy vI keI ihwsy hn ijwQy aijhy pRgtfa dI mMg nhIN kIqI jFdI[ rIal iestyt ieMzstrI dy aijhy ihwsy vI hn ijwQy pfrdrsLqf iek smwisaf bxI hoeI hY[ Auh pUrI hwd ijs qwk koeI lsMsI iksy lYx-dyx ivwcoN Pfiedf lY skdf hY sdf pUrI qrHF jLfhr nhIN kIqI jFdI, jF sLfied ieh ies qrIky nfl nf dwsI jfvy ijhVf KpqkfrF leI smJxf sOKf hovy[ KpqkfrF nUM aijhI ijLafdf jfxkfrI dI vI loV hY ijhVI spsLt aqy sOKI bolI ivc dwsI jfvy aqy AunHF nUM ieh smJx dy Xog bxfey ik iksy lsMsI nfl vrqx vyly Auh iks cIjL dy hwkdfr hn, aqy jy AunHF nfl shI vrqfa nf hovy qF AunHF leI kI hwl hn[ rIal iestyt dy lYx-dyx ivc lsMsIaF leI mOjUdf pRYkits ieh hY ik Auh lYx-dyx dy sLurU ivc KpqkfrF nUM ijLafdf jfxkfrI idMdy hn, jdoN ilsitMg aYgrImYNt `qy jF KrIdfr nfl eyjMsI aYgrImYNt `qy dsKq kIqy jFdy hn[ ieh iek cMgf pihlf kdm hY, pr ieh kfPI nhIN hY[ rIal iestyt dy lYxdyx bdldy hn aqy hflfq jF mfrkIt dIaF hflqF bdl skdy hn[ KpqkfrF nUM lgfqfr lYx-dyx dy AunHF poafieMtF `qy jfxkfrI idwqy jfx dI loV hY jdoN jfxkfrI AunHF dy PYsilaF leI sB qoN ijLafdf ZukvIN huMdI hY[ izsklojLr (jLfhr krn) aqy jfxkfrI dyx dIaF afpxIaF ijLMmyvfrIaF pUrIaF krn leI KpqkfrF nUM zfkUmYNts (pypr) dyxf hI lsMsIaF leI kfPI nhIN hY[ AunHF leI ieh pCfx krnf vI jLrUrI hY

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 23

ik kdoN Kpqkfr nUM lYx-dyx dy smyN dOrfn jfxkfrI qoN kdoN sB qoN ijLafdf Pfiedf hovygf aqy Auh jfxkfrI pUrI qrHF ibafn krn leI srgrm hox dI vI loV hY[ Audfhrx leI, kOntrYkt ivc asfienmYNt (kOntrYkt agFh dyx) dIaF sLrqF sLfml krn jF bfhr rwKx df PYslf iek aijhf PYslf hY ijhVf Gr vycx vflf lYx-dyx dy smyN dOrfn iek qoN ijLafdf vfr ivcfrnf cfhuMdf ho skdf hY[ KrIdfr dy kys ivc, iksy aOPr ivc “sbjYkt tU” klfijLjL pfAux df PYslf krnf iek mhwqvpUrn PYslf hY aqy ieh PYslf bdl skdf hY, Kfs krky keI aOPrF dIaF hflqF ivc[ PYsly dy ieh smyN hn jdoN lsMsI dI ijLMmyvfrI jfxkfrI, slfh dyxf aqy pUrf Byd ies qrIky nfl dwsxf hY ijs nUM Kpqkfr smJ skdy hox[ lokF nUM inXm lfgU krn vfly vloN idwqI geI aijhI jfxkfrI qoN vI Pfiedf hovygf ijhVI AunHF dI ieh smJx ivc mdd krdI hY ik rIal iestyt eyjMtF leI muafvjLy (kimsLn) dy poRgrfm amlI rUp ivc ikvyN kMm krdy hn[ muafvjLy dy qrIky ihwqF dy tkrfa nUM PfiedymMd bxf skdy hn aqy ibjLns pRYkitsF ivc vrqy jf skdy hn, Kfs krky jdoN ieh pRqwK nhIN huMdy jF AunHF gfhkF vloN sOiKaF hI smJy nhIN jFdy ijhVy ieh idMdy hn[

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muafvjLy dy qrIky ihwqF dy tkrfa nUM PfiedymMd bxf skdy hn aqy ibjLns pRYkitsF ivc vrqy jf skdy hn, Kfs krky jdoN ieh spsLt nhIN huMdy jF AunHF gfhkF vloN sOiKaF hI smJy nhIN jFdy ijhVy ieh idMdy hn[

nYiqk nym bhuqy pysLy, ijnHF ivc svY-inXmbwDqf vfly pysLy vI sLfml hn, nYiqk nymF df koz kfiem rwKdy hn[ bhuqy koz asUlF aqy inXmF df myl huMdy hn[ asUl AuWc pwDr dIaF AumIdF nUM ibafn krdy hn, aqy AunHF dy iewCq nqIjy aqy inXm asUlF dI ijLafdf vyrvy aqy syD nfl ihmfieq krdy hn[ asUlF aqy inXmF ivckfr iek ZukvF sMquln apxfAuxf jLrUrI hY[ ieh koz aOP kMzkt nf isrP inXmF dI sKq pflxf krn nM sgoN ienHF dI rUh dI pflxf krn nMU AuqsLfh idMdf hY aqy ieh cMgI sUJ vrqx dI ijLMmyvfrI ivakqI `qy suwtdf hY[ asrdfr koz aOP kMzkt pysLy nUM aqy ies ivc kMm krdy ivakqIaF nUM inXmF dI pflxf krn qoN AuWpr aqy agFh shI cIjL krn leI mjLbUr krdf hY[

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asrdfr koz aOP kMzkt pysLy nUM aqy ies ivc kMm krdy ivakqIaF nUM inXmF dI pflxf krn qoN AuWpr aqy agFh shI cIjL krn leI mjLbUr krdf hY[

24 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

afeI ey jI nUM ieh pqf lwgf ik smwucy qOr `qy, aYkt, inXm aqy rIal iestyt kONsl dy inXm ivafpk hn aqy ieh lsMsIaF nUM nYiqk vrqfa dI syD dyx leI asUlF aqy inXmF df iek cMgf sMquln pRdfn krdy hn[ pr ieh iek QF `qy iksy iek dsqfvyjL (zfkUmYNt) ivc mOjUd nhIN hn, ijwQy ienHF qwk sOiKaF phuMc ho skdI hovy aqy ieh lsMsIaF, lokF aqy ieMzstrI vloN smJy jf skdy hox[ vrqfa dIaF AumIdF bfry jfxkfrI aqy syD iqMn vwK vwK QFvF ivc iKMzI hoeI hY (aYkt, inXm aqy rIal iestyt kONsl dy inXm) aqy nqIjy vjoN ienHF df pqf lfAuxf lsMsIaF aqy lokF donF leI aOKf hY[ afeI ey jI ny ieh vI insLicq kIqf ik kuJ kysF ivc, lsMsI dy vqIry bfry mOjUdf inXm kfPI afm jF sMKyp ho skdy hn jo ik AunHF nUM lsMsI dy vqIry nUM syD dyx jF inXm lfgU krvfAux vfilaF vloN lfgU krn leI loV muqfbk pRYktIkl bxfAux ivc PylH ho skdy hn[ rIal iestyt kONsl dy koz aOP kMzkt dI spsLt aqy sOKI ivafiKaf dI axhoNd ivc, ieMzstrI aYsosIeysLnF vloN iqafr kIqf igaf REALTOR® koz aOP aYiQks aqy lokl borzF vloN bxfey gey vwK vwK koz, bhuqy lsMsIaF leI mhwqvpUrn idKfeI idMdy hn[ kuJ kysF ivc ieh inXm kONsl dy inXmF dI pusLtI krdy hn[ pr hor hflqF ivc, ieh afpf ivroDI hn[ ies zuplIkysLn aqy ivroD df nqIjf inXmF nUM ieksfr lfgU nf krn ivc inkldf hY aqy afeI ey jI nUM ieh pqf lwigaf ik ieh inXmF nUM lfgU krfAux dy isstm dI asrdfiekqf nUM mwTf krdf hY[

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kuJ kysF ivc ieh inXm kONsl dy inXmF dI pusLtI krdy hn[ pr hor hflqF ivc, ieh afpf ivroDI hn[ ies zuplIkysLn aqy ivroD df nqIjf inXmF nUM ieksfr lfgU nf krn ivc inkldf hY aqy afeI ey jI nUM ieh pqf lwigaf ik ieh inXmF nUM lfgU krfAux dy isstm dI asrdfiekqf nUM mwTf krdf hY[

afeI ey jI nUM ieh vI pqf lwgf ik aXog vrqfa aqy anYiqk vqIiraF nUM asrdfr qrIky nfl rokx leI rIal iestyt kONsl pihlF hI mOjUd asUlF aqy inXmF nUM ieksfrqf nfl nhIN vrqdI jo ik ieMzstrI dy rYpUtysLn aqy XkIn nUM pRBfivq kr rhy hn[ kuJ hflqF ivc, rIal iestyt kONsl afpxy aiDkfr Kyqr df sOVy qrIky nfl arQ kwZdI hY aqy dKLl dyx ivc iJjkdI idKfeI idMdI hY, ijwQy ies nUM smwisafvF df agfAUN mukfblf krn leI srgrm aqy sKq hox dI loV hY[ ies dI iek Audfhrx AunHF lsMsIaF pRqI kONsl df huMgfrf hY ijhVy inXmF nfl sMbMiDq hor imafrF dI pflxf nf krdy pfey gey sn ijvyN ik kfly Dn (aYNtI-mnI lONzirMg) bfry sLrqF[ afeI ey jI ies gwl nfl sihmq hY ik kONsl df rol jF aiDkfr Kyqr kfly Dn nUM inXmbwD krnf nhIN hY, pr rIal iestyt lsMsIaF leI svY-inXmbwDqf vflI sMsQf vjoN asIN ieh XkIn krdy hF ik kONsl dy afpxy inXm ies nUM ies msly bfry Aus nfloN ijLafdf sKq stYNz lYx dy Xog bxfAuNdy hn ijMnf awj qwk ilaf igaf hY[ sfry inXmF dI pflxf krn dIaF sLrqF mMnx leI lsMsIaF dI iewCf aqy smrwQf AunHF nUM lfiesMs kfiem rwKx dy Xog bxfAuNdI hY[ kONsl nUM sfry inXmF dI aqy nYiqk imafrF dI pflxf krn dy sMbMD ivc lsMsIaF nUM iek sKq sunyhf Byjx dI loV hY[ bdly ivc ieh lokF nUM dubfrf XkIn idvfeygf ik lsMsIaF nUM vqIry aqy nYiqk nym dy AuWcy imafr leI ijLMmyvfr bxfieaf jFdf hY[ REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 25

}

sfry inXmF dI pflxf krn dIaF sLrqF mMnx leI lsMsIaF dI iewCf aqy smrwQf AunHF nUM lfiesMs kfiem rwKx dy Xog bxfAuNdI hY[

izAUl eyjMsI aqy zbl ieMizMg izAUl eyjMsI aqy zbl ieMizMg dy ivisLaF bfry afeI ey jI ny kfPLI ivcfr-vtFdrf kIqf[ aksr ieh sLbd iek dUjI dI QF vrqy jFdy hn pr asl ivc ieh do vwK vwK cIjLF hn[ }} izAUl eyjMsI ijs nUM ilmitz izAUl eyjMsI dy qOr `qy vI jfixaf jFdf hY, AudoN huMdI hY jdoN koeI lsMsI KrIdfr aqy vycx vfly donF leI jF iek sOdy ivc iek nfloN ijLafdf KrIdfrF leI kMm krdf hY[ sLbd “ilmitz” ies krky vriqaf jFdf hY ikAuNik koeI lsMsI sOdy ivclI iek jF donF iDrF pRqI afpxIaF kuJ ijLMmyvfrIaF ivwcoN asrdfr qrIky nfl bfhr inkldf hY[ }} zbl ieMizMg qoN Bfv Auh lsMsI hY ijhVf iksy sOdy ivc KrIdx aqy vycx vfly lsMsI dy ihwsy df kimsLn lYNdf hY[ ieh aksr AudoN huMdf hY jdoN koeI lsMsI ilmitz izAUl eyjMsI ivc KrIdfr aqy vycx vfly donF leI kMm krdf hY pr ieh AudoN vI ho skdf hY jdoN KrIdfr jF vycx vfly ivwcoN iksy dI koeI lsMsI numfieMdgI nhIN krdf huMdf[ ilmitz izAUl eyjMsI aqy zbl ieMizMg dI mOjUdf inXmF aqy rYgUlysLnF aDIn afigaf hY[ afeI ey jI nUM ieh pqf lwgf ik mOjUdf aqy sMBfvI ihwqF dy tkrfa df ilmitz izAUl eyjMsI iek mhwqvpUrn soRq hY[ donF iDrF dy sMBfvI iBMn iBMn jF Ault ihwqF nUM lsMsIaF vloN pUrf krn dI smrwQf eyjMsI dy buinafdI sMklp dy Ault hY[ lsMsI vloN sOdy ivclI dUjI iDr nUM syvfvF dyx dy Xog hox leI, ieh lsMsI vloN afpxy klfieMt pRqI muZlIaF ijLMmyvfrIaF dy sImq hox nfl sQfpq eyjMsI sMbMD dI iksm bdl idMdf hY[ BfvyN ik asIN ieh mMndy hF ik sMbMD ivc ies qbdIlI `qy asr isrP donF iDrF dIaF sihmqI nfl hI pY skdf hY pr ieh donF iDrF ivckfr ihwqF dy tkrfa dI iek bhuq aslI sMBfvnf pYdf kr idMdf hY jo ik donF iDrF pRqI afpxy PrjL inBfAux dI lsMsIaF dI Xogqf `qy asr pf skdf hY[ afeI ey jI ny ieh not kIqf ik izAUl eyjMsI dIaF sfrIaF hflqF donF iDrF dy ihwqF dI rwiKaf krn ivc PylH nhIN hoeIaF[ ies qrHF dIaF hflqF hn ijwQy KrIdfr aqy vycx vfly dy ihwq nfl pwKpfq ho skdf hY[ Audfhrx leI, aijhf AudoN ho skdf hY jdoN koeI Gr mflk dUjI iDr nUM iksy kImq `qy Gr vycx leI sihmq hoieaf hovy aqy hor sLrqF `qy pihlF hI afpsI sihmqI ho geI hovy, ijvyN ik koeI ivakqI pRfprtI nUM afpxy pirvfr dy iksy mYNbr dy nF qbdIl krnf cfhuMdf hovy[ afeI ey jI ny ies rfie `qy vI ivcfr kIqf ik sUby dy dUrvrqI ielfikaF ivc, ijwQy bhuq Gwt lsMsI hn, izAUl eyjMsI aslI loV pUrI kr skdI hY[ ienHF ivcfrF dy bfvjUd, afeI ey jI ny ieh insLicq kIqf ik izAUl eyjMsI jfrI rwKx dI afigaf dyx dy KpqkfrF nUM Kqry ies dy sImq PfieidaF nfloN ikqy ijLafdf hn[ sfzf XkIn hY ik izAUl eyjMsI jfrI rwKx dI afigaf dyx nfl lsMsIaF dy vrqfa aqy nYiqk nymF bfry spsLt AumIdF aqy inXmF nUM sKqI nfl lfgU krn nUM Korf lwgx dI sMBfvnf hY ikAuNik ieh buinafdI qOr `qy lsMsI dy afpxy klfieMt pRqI PLrjLF aqy ijLMmyvfrIaF dy Ault hY[

26 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

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izAUl eyjMsI jfrI rwKx dI afigaf dyx nfl lsMsIaF dy vrqfa aqy nYiqk nymF bfry spsLt AumIdF aqy inXmF nUM sKqI nfl lfgU krn nUM Korf lwgx dI sMBfvnf hY ikAuNik ieh buinafdI qOr `qy lsMsI dy afpxy klfieMt pRqI PLrjLF aqy ijLMmyvfrIaF dy Ault hY[

asIN ies gwl qoN cOks hF ik ilmitz izAUl eyjMsI dI mnfhI zbl ieMizMg nUM Kqm nhIN krygI aqy zbl ieMizMg iek aijhI cIjL hY ijs nUM ieMzstrI ivcly bhuq sfry ivakqI aqy pbilk iGrnfXog smJdy hn[ koeI lsMsI ajy vI iksy sOdy dy sfry kimsLn rwK skdf hY jy iek iDr dI numfieMdgI iksy lsMsI vloN nhIN kIqI jf rhI[ afeI ey jI ny ies sMBfvnf `qy vI ivcfr kIqf ik izAUl eyjMsI dI mnfhI asl ivc lsMsIaF nUM iksy sOdy ivc KpqkfrF nUM ibnF numfieMdgI dy rihx leI AuqsLfh dy skdI hY[ sfzIaF isPfrsLF, jo ik irport dy agly Bfg ivc idwqIaF geIaF hn, ieh Kqrf GtfAux leI iqafr kIqIaF geIaF hn aqy aijhf lsMsI qoN ieh mMg krky kIqf igaf hY ik Auh Kpqkfr nUM afpxf eyjMt krn dy hwk bfry aqy ies dy PfieidaF bfry dwsy[ hukm dI pflxf aqy iswty inXmF dI pflxf krfAux dy isstm dy asrdfr hox leI BrosyXog rokF dI loV hY[ BrosyXog rokF AunHF lokF dI pCfx krn leI spsLt aqy sFJy Xqn dI mMg krdIaF hn ijhVy asUlF aqy inXmF dI pflxf nhIN krdy aqy iPr ieh pwkf krn dI mMg krdIaF hn ik AunHF lokF nUM arQBrpUr iswitaF df sfhmxf krnf pvy[ Auh iswty Aus ivakqI nUM afpxf aXog vrqfa duhrfAux qoN rokxy vfly hoxy jLrUrI hn, aqy ijLafdf afm qOr `qy ieh AunHF nUM rokx vfly vI hoxy cfhIdy hn ijhVy ies qrHF df vrqfa krnf cfhuMdy hn[

}

svY-inXmbwDqf vflf isstm AudoN kMm krdf hY jdoN pysLy dy lok afpxy afp nUM aqy iek dUjy nUM Aus nfloN AuWcy nYiqk imafr `qy kfiem rwKdy hn ijMny imafr dI AunHF qoN hor lok AumId krdy hn[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 27

hukm dI pflxf bhuq sfry rIal iestyt lsMsI eImfndfrI nfl aqy afpxy klfieMtF dy ibhqr ihwq ivc kMm krdy hn[ ieh rfie ienHF mhIinaF ivc ieMzstrI dy mYNbrF aqy hornF vloN jnqk qOr `qy jLfhr kIqI geI sI aqy afeI ey jI ies nfl sihmq hY[ ies df mqlb ieh nhIN ik sfnUM ies cIjL nUM rwd kr dyxf cfhIdf hY ijhVI “kuJ gly sVy sybF” ny pYdf kIqI hY[ svY-inXmbwDqf vflf isstm AudoN kMm krdf hY jdoN pysLy dy lok afpxy afp nUM aqy iek dUjy nUM aijhy nYiqk imafr `qy kfiem rwKdy hn ijhVf dUjy nfloN AuWpr huMdf hY[ lsMsIaF leI nYiqk qOr `qy kMMm krnf hI kfPI nhIN hY; AunHF leI iek dUjy nUM vI AuWcy imafr `qy rwKxf jLrUrI hY[ svY-inXmbwDqf vflI ieMzstrI dy hr mYNbr nUM inXmF dI pflxf krvfAux vfly isstm df ihwsf bxn aqy aXog vrqfa bfry qurMq irport krn dI loV hY[ afeI ey jI nUM ieh pqf lwgf ik ies siBafcfr dI rIal iestyt ieMzstrI ivc Gft hY aqy aXog vrqfa dI irport krn leI lsMsIaF dI ijLMmyvfrI nUM dubfrf lfgU krn leI ijLafdf kuJ kIqy jfx dI loV hY[ afeI ey jI nUM pqf lwgf ik rIal iestyt kONsl lsMsI dy aXog vrqfa dI pCfx krn leI isLkfieqF `qy ijLafdf inrBr krdI hY[ BfvyN ik isLkfieqF smwisafvF dI iek insLfnI hY pr ieh pCVyNvy vflIaF insLfnIaF ho skdIaF hn[ ijLafdf pRYktIkl pVqfl dI loV hY[ sfnUM ieh vI pqf lwgf ik rIal iestyt kONsl df brokryj afizt pRogrfm vwzy pwDr `qy ivwqI pflxf `qy kyNdirq hY aqy lsMsIaF dy vqIry bfry kfPI iDafn nhIN idwqf jFdf[ asIN brokryj trwst akfAUNtF dI afizitMg dI kdr krdy hF aqy ieh suJfa nhIN dy rhy ik ies jLrUrI kfrj qoN vsIly qbdIl kIqy jfx[ pr lsMsIaF dy vqIry dI srgrmI nfl ingrfnI rwKx leI ijLafdf vsIilaF dI loV hY[

iswty iswitaF dy kMm krn leI, ienHF df arQBrpUr aqy pfrdrsLI donoN hoxf jLrUrI hY[ jdoN arQBrpUr iswitaF bfry ieMzstrI aqy lokF nUM asrdfr qrIky nfl dwisaf jFdf hY qF Auh agFh hor aXog vrqfa nUM rokx aqy KpqkfrF nUM dubfrf XkIn idvfAux leI kMm krdy hn[ afeI ey jI nUM pqf lwgf ik rIal iestyt kONsl dI smrwQf do mhwqvpUrn qrIikaF nfl arQBrpUr iswty lfgU krn ivc kfPI sImq hY[ pihlI rok Auh vwD qoN vwD ivwqI jurmfny aqy pfbMdIaF hn ijhVy Auh lgf skdy hn[ ieh kONsl dy kMtrol qoN bfhr hn ikAuNik ieh srkfr vloN qih kIqy jFdy hn[ rIal iestyt kONsl keI sflF qoN ieh mMg kr rhI hY ik ienHF jurmfinaF aqy pfbMdIaF ivc vfDf kIqf jfvy aqy ienHF nUM lfgU krn leI srkfr AunHF nUM ijLafdf mn-mrjLI aqy lcksLIlqf dyvy, pr bhuq Gwt qbdIlIaF hoeIaF hn[ hr rYgUlytr (ingrfn) leI qfmIl dy PYsly krn aqy jurmfny lfAux leI anupfq lfgU krnf jLrUrI huMdf hY, nhIN qF AunHF dy PYsly apIl borzF vloN rwdy kIqy jfx df Kqrf huMdf hY[ ieh cIjL AunHF nUM vfjb jurmfny aqy pfbMdIaF dI AuprlI hwd sB qoN ijLafdf mfVy vqIiraF aqy AulMGxfvF leI rIjLrv rwKx leI mjLbUr krdI hY[ jdoN jurmfinaF leI AuprlI hwd bhuq Gwt huMdI hY qF ies dy asr vjoN sfiraF `qy jurmfny aqy pfbMdIaF Gwt lwgdy hn[ afm lok aqy ieMzstrI ivcly bhuq sfry lok rIal iestyt kONsl vloN lfey gey jurmfinaF aqy pfbMdIaF nUM hux mMnxXog nhIN smJdy[ ieh smwisaf ies scfeI nfl hor vI vD geI hY ik rIal iestyt syvfvF dy kimsLn GrF dIaF kImqF vDx nfl lgfqfr vDy hn[ vwzy kimsLn aqy lsMsIaF dy aXog vrqfa leI Gwt jurmfinaF ny ieh rfie bxf idwqI hY ik ieh jurmfny rIal iestyt df kfrobfr krn leI PfiedymMd Krcy hn[ ieh rYgUlytr aqy inXm lfgU krn dy isstm dI asrdfiekqf aqy sLfK nUM mhwqvpUrn rUp ivc kmjLor krdy hn[

28 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

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lsMsIaF dy aXog vrqfa leI Gwt jurmfinaF ny ieh rfie bxf idwqI hY ik ieh jurmfny rIal iestyt df kfrobfr krn leI PfiedymMd Krcy hn[ ieh rYgUlytr aqy inXm lfgU krn dy isstm dI asrdfiekqf aqy sLfK nUM mhwqvpUrn rUp ivc kmjLor krdy hn[

dUjf Kyqr ijs ivc rIal iestyt kONsl iswitaF dI pRqIq nUM sImq kr rhI hY, Auh ieh qrIkf hY ijs nfl ieh iswty lokF nUM dwsy jf rhy hn[ afpxy anusLfsnI PYsilaF dy nqIijaF nUM Cfpx bfry kONsl dI phuMc ienHF nUM smJxf sOKf nhIN bxfAuNdI, aqy nf hI ies dy asr ivc XkIn nUM AuqsLfh idMdI hY[ sihmqI afrzrF aqy suxvfeI dy PYsilaF dy sMKypF nUM ijLafdf sMdrB aqy ivafiKaf idwqy jfx dI loV hY qF jo ieh lokF leI arQpUrx aqy lsMsIaF dy aXog vrqfa nUM rokx leI asrdfr bxn[ mMqvF aqy vwK vwK phuMcF dy asr dI spsLt ivafiKaf qoN ibnF, sihmqI afrzr bnfm suxvfeIaF, aqy pRbMDkI jurmfinaF bnfm anusLfsnI jurmfinaF dI vrqoN ny lokF ivc ieh pRBfv Cwz idwqf hY ik lsMsIaF nUM “sOdybfjLI” krn df mOkf idwqf jf irhf hY[ kONsl nUM AunHF iswitaF bfry ijLafdf imhnq nfl dwsx leI kMm krn dI loV hY ijhVy ieh aXog vrqfa leI lfgU krdI hY aqy ieh aijhy qrIky nfl dwsx dI loV hY ijhVf BrosyXog, vfjb aqy lokF dy ihwqF dI rfKI krn vflf smiJaf jFdf hY[ asIN ies gwl `qy jLor dyxf cfhuMdy hF ik jurmfinaF dy afkfr aqy pfbMdIaF dI kTorqf ivc vfDf kIqy ibnF, iekwly sunyhf phuMcfAux ivc suDfr krn nfl ijLafdf BrosyXog nqIjy nhIN inklxgy aqy ieh rYgUlytr jF inXm lfgU krn dy isstm dI BrosyXogqf bhfl nhIN krngy[ ieh jLrUrI hY ik srkfr aqy kONsl ies Kyqr ivc rl ky kMm kry[ srkfr vloN kONsl nUM ies cIjL dy Xog bxfieaf jfxf jLrUrI hY ik Auh afpxy jurmfinaF dy afkfr aqy pfbMdIaF dI kTorqf ivc mhwqvpUrn vfDf kr sky[ jdoN aijhf ho igaf qF ieMzstrI dy vqIry `qy asr pfAux leI ienHF nvINaF qfkqF dI vrqoN krn leI kONsl nUM jvfbdyh hoxf pvygf[ ienHF qfkqF dy asrdfr qrIky nfl lfgU hox `qy aqy ies dy nqIijaF bfry spsLt qOr `qy dwsy jfx nfl lokF df Brosf kfiem hovygf[ ieMzstrI df ZFcf aqy kMtrol srkfr iksy ieMzstrI nUM svY-inXmbwD hox dI afigaf ies krky idMdI hY ikAuNik ieh XkIn krdI hY ik ieMzstrI kol inXm aqy vqIry dy Auh imafr iqafr aqy lfgU krn leI loVINdI muhfrq hY ijhVy ieMzstrI ivclI qbdIlI nfl kdm imlf ky cwlxgy aqy shI qrIky nfl lokF dI rwiKaf krngy[ svY-inXmbwDqf df iek buinafdI isDFq, imafr aqy ibhqr pRYkitsF qih krn aqy inXmF dI pflxf krfAux dy isstm nUM lfgU krfAux ivc ieMzstrI dI srgrm sLmUlIaq hY[ ienHF isstmF ivc smF pf ky ijhVI cuxOqI pYdf ho skdI hY Auh ieh pwkf krn dI smrwQf hY ik ieMzstrI dy ihwq lokF dy ihwqF nfloN awgy nf af jfx[ smwisafvF AudoN pYdf huMdIaF hn jdoN svYinXmbwDqf vflI eyjMsI ieMzstrI vloN bhuq ijLafdf pRBfivq huMdI hY jF lokF dy ihwqF dI lfgq `qy

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 29

ieMzstrI dy iPkrF bfry jvfb dyx leI dbfa mihsUs krdI hY[ KpqkfrF nfl sMbMiDq inXmF ivc ieh iek afm smwisaf hY, nf ik isrP svY-inXmbwDqf ivc[ ibRitsL kolMbIaf dI rIal iestyt ieMzstrI vwzI, cMgy vsIilaF vflI aqy bhuq asr rsUKL vflI hY[ bhuq sfrIaF PfiedymMd cIjLF krn leI Auh ies asr dI vrqoN krdI hY[ lokl rIal iestyt borz kimAuntI dy srgrm mYNbr hn aqy Auh sQfnk AuWdmF leI smF aqy pYsy dfn krdy hn[ rIal iestyt ieMzstrI aqy rIal iestyt kONsl df sihXogI irsLqf hY aqy Auh mhwqvpUrn poRgrfmF `qy rl ky kMm krdy hn ijvyN ik KpqkfrF aqy lsMsIaF leI iswiKaf[ ies qrHF dy sihXog vfly Xqn jfrI rihxy cfhIdy hn ijwQy ieh lokF dy ihwqF leI cMgf kMm krdy hn[ iPr vI afeI ey jI nUM ieh pqf lwigaf ik ieMzstrI dy kMtrol aqy ZFcy dy kuJ ihwisaF ivc, svYinXmbwDqf dy isstm dI Gft hY, aqy kuJ kysF ivc qF ieh ies nUM kmjLor kr irhf hY aqy ies qrHF lokF dy ihwq kmjLor ho rhy hn[ sfzy leI sB qoN iPkr vflI gwl KpqkfrF dIaF isLkfieqF aqy lsMsI anusLfsn ivc rIal iestyt borzF dI sLmUlIaq sI[ afeI ey jI ny ieh ivcfr kIqI ik borzF dI ieh sLmUlIaq kI rIal iestyt kONsl vloN CwzI glI KflI QF nUM Brn leI AuqpMn hoeI sI jF kI ieh borzF aqy ieMzstrI aYsosIeysLnF dy vfDy aqy asr nfl ivkisq hoeI sI[ dUjy sLbdF ivc kI borzF ny ieh rol rIal iestyt kONsl qoN ilaf sI, jF kONsl ny ieh afp AunHF nUM idwqf sI? aMq ivc asIN ies iswty `qy phuMcy ik ieh dohF df sumyl sI[

borzF df rol pRfeIvyt mYNbrF dIaF sMsQfvF vjoN, borzF kol mYNbrF leI vqIry dy koz (kozjL aOP kMzkt) bxfAux aqy lfgU krn df hwk hY aqy asIN ieh mMndy hF ik AunHF ny aijhf cMgy ierfidaF nfl aqy afpxy mYNbrF ivc pRoPYsLniljLm kfiem rwKx dI iewCf nfl kIqf hY[ pr, smF pf ky borzF aqy rIal iestyt kONsl dy kMmF dy rlgz hox df nqIjf ivroDF aqy BMblBUsy ivc inkilaf hY[ Kpqkfr aqy lsMsI donoN ies cIjL bfry BMblBUsy ivc hn ik aXog vrqfa nUM inXmbwD krn aqy KpqkfrF dIaF isLkfieqF nfl iswJx leI kOx ijLMmyvfr hY[ iek nqIjf ieh inkilaf hY ik aXog vrqfa bfry rYgUlytr nUM irport nf kIqI geI ho skdI hY aqy pRmuwK iDafn vjoN lokF dy ihwqF leI anusLfsnI kfrvfeI nf kIqI geI ho skdI hY[ ieMnI hI iPkr vflI gwl borzF dI anusLfsnI kfrvfeI dI lukvIN iksm hY[ BrosyXog iswitaF aqy lokF dy XkIn leI pfrdrsLqf muZlI cIjL hY[

}

BrosyXog iswitaF aqy lokF dy XkIn leI pfrdrsLqf muZlI cIjL hY[

afeI ey jI ies gwl qoN jfxU hY ik rIal iestyt borz vwzy pwDr `qy suDfr krn bfry ivcfr kr rhy hn jo ik borzF nUM iekwTy krngy aqy AunHF vloN idwqIaF jFdIaF syvfvF df ivigafnk punrgTn krngy[ ieh AuWdm rlgz aqy BMblBUsy df hwl krn leI ieMzstrI leI iek Xog mOkf pYdf krdf hY[ borzF vloN sfry inXmF nUM lfgU krn dy aDUry kMmF ivwcoN bfhr inkl df PYslf jo ik Kpqkfr `qy asr pfAuNdf hY aqy ieh kMm rIal iestyt kONsl `qy Cwzxf, ieMzstrI aqy KpqkfrF leI iek shI cIjL hovygI[ borzF vloN bcfey jfx vfly pYsY, ijs dI loV hux anusLfsnI kfrvfeIaF krn aqy KpqkfrF dIaF isLkfieqF suxn leI nhIN rhygI, rIal iestyt kONsl ivKy ijLafdf srgrm aqy Kpqkfr `qy kyNdirq inXm lfgU krfAux vflf isstm pRdfn krn leI lgfey jf skdy hn[

30 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

}

borzF vloN sfry inXmF nUM lfgU krn dy aDUry kMmF ivwcoN bfhr inkl df PYslf jo ik Kpqkfr `qy asr pfAuNdf hY aqy ieh kMm rIal iestyt kONsl `qy Cwzxf, ieMzstrI aqy KpqkfrF leI iek shI cIjL hovygI[

brokryjF aqy mYnyijMg brokrF df rol kMtrol aqy ZFcy ivc afeI ey jI vloN ijhVI dUjI smwisaf dI pCfx kIqI geI sI, Auh rIal iestyt ieMzstrI ivc nvyN pYdf ho rhy ibjLns mfzl aqy mYnyijMg brokrF df rol hY[ ieh iek Audfhrx hY ijwQy inXmF dI pflxf krfAux vflf isstm ibjLns dy vfDy aqy ivkfs nfl kdm nfl kdm imlf ky nhIN cwilaf[ ieh ies cIjL dI vI iek Audfhrx hY ijwQy ieMzstrI dy ihwqF dy huMgfry vjoN inXmF nUM iZwly kIqf igaf sI, aqy ies dy nqIjy vjoN ieh hux KpqkfrF aqy lokF dy ihwqF dI rfKI nhIN krdy[ rIal iestyt ieMzstrI ny ibjLns dy mfzl ivc qbdIlI dyKI hY ijwQy ik pihlF brokryj kyNdrI Dury vjoN kMm krdf sI aqy lsMsI afpxy mYnyijMg brokr dI srgrm ingrfnI hyT sn aqy hux ijwQy ik lsMsIaF df afpxy klfieMtF nfl srivs dyx leI iswDf sMbMD hY aqy brokryj nfl nFmfqr kOntrYkt df hI sMbMD rih igaf hY[ aYkt aqy rYgUlysLn ivc kIqIaF geIaF qbdIlIaF ny, ijvyN ik lsMsIaF df afjLfd kOntrYktrF dy qOr `qy vrgIkrn krnf aqy lsMsIaF nUM ienkfrporyt hox dI afigaf dyxf, lsMsIaF leI ibjLns ijLafdf kfrgr bxfieaf hY pr ies nfl mYnyijMg brokrF leI lsMsIaF dy vqIry `qy ingrfnI rwKx dy afpxy PLrjL inBfAuxf ijLafdf aOKf aqy guMJldfr ho igaf hY[

suprientYnzYNt aOP rIal iestyt df rol ZFcy aqy kMtrol dI iek qIjI smwisaf ijs dI asIN pCfx kIqI Auh rIal iestyt kONsl aqy suprientYnzYNt ivckfr ijLMmyvfrIaF dI vMz sI[ rIal iestyt kONsl df aiDkfr Kyqr lsMsIaF dIaF srgrmIaF nUM inXmbwD krnf hY[ suprientYnzYNt aqy ies dy dPqr df aiDkfr Kyqr AunHF bylsMsy ivakqIaF aqy sMsQfvF AuWpr hY ijhVIaF rIal iestyt syvfvF ivc sLfml huMdIaF hn aqy aYkt aDIn lfiesMisMg qoN mukq nhIN hn[ kuJ kysF ivc, kONsl aqy suprientYnzYNt ivckfr ijLMmyvfrIaF dI vMz AulMGxfvF df srgrmI nfl pqf lfAuxf ijLafdf aOKf bxfAuNdI hY aqy ieh rIal iestyt kONsl jF suprientYnzYNt ivwcoN iksy leI vI pVqfl leI loVINdy vsIilaF dI ijLafdf kfrgr vrqoN nhIN hox idMdI[ rIal iestyt kONsl vFg, smwisafvF df pqf lfAux leI suprientYnzYNt vI vwzy pwDr `qy isLkfieqF `qy hI inrBr krdf hY aqy ieh pfbMdIaF aqy jurmfinaF nUM lfgU krn bfry ieMnf pRcfr nhIN krdf ijMnf ieh kr skdf hY jF afpxy afp bfry lokF nUM Enf jfxU nhIN krvfAuNdf jF phuMcXog nhIN bxfAuNdf ijMnf ieh kr skdf hY[ rIal iestyt kONsl dy Ault, suprientYnzYNt aqy ies df dPqr sUbfeI srkfr dI iek eyjMsI hn, ies kol inXm bxfAux df koeI aiDkfr nhIN hY, aqy ies nUM amlI bMdsLF df sfhmxf krnf pYNdf hY ijhVy rIal iestyt kONsl dy kys ivc lfgU nhIN huMdy[ ienHF bMdsLF ivc stfP rwKx dIaF sImfvF, sPr krn aqy lokF kol msLhUrI krn dIaF sImfvF sLfml hn[ afeI ey jI ny ieh vI not kIqf ik suprientYnzYNt dy dPqr df sInIar stfP, PfienYNsLl ieMstIicAUsLnjL kimsLn dy ivc inXmF sMbMDI keI ijLMmyvfrIaF sFJIaF krdf hY, ijnHF ivwcoN kuJ

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 31

rIal iestyt dy dPqr dIaF ijLMmyvfrIaF dy Gyry nfloN vwzIaF hn[ ieh ies cIjL df Kqrf pYdf krdf hY ik rIal iestyt dy mfmly AunHF KyqrF dy mukfbly ipwCy suwty jf skdy hn ijwQy eyjMsI dIaF ijLMmyvfrIaF df Gyrf vwzf huMdf hY[ suprientYnzYNt dI smrwQf aqy qfkqF ivc qbdIlI krn dI vI loV hY jy srkfr aqy lok, rIal iestyt kONsl dy svY-inXmbwDqf dy rol `qy rokF aqy sMquln vjoN inrBr hox dI AumId rwKdy hn[ suprientYnzYNt dIaF ingrfnI krn dIaF mOjUdf qfkqF sImq aqy pRiqkrm krn vflIaF hn[ jy srkfr ieh smJdI hY ik suprientYnzYNt df rol, rIal iestyt kONsl vloN lokF dy ihwqF dI rfKI krn df afpxf afdysL pUrf krn dI smuwcI asrdfiekqf `qy ingrfnI rwKxf hY qF kfnUMn rfhIN aijhIaF qfkqF dyx dI loV hY ijhVIaF suprientYnzYNt nUM ijLafdf jfxkfrI iekwTI krn aqy ijLafdf srgrm aqy aslI qrIky nfl dKlaMdfjLI krn dI afigaf idMdIaF hox[

rIal iestyt kONsl dy borz `qy numfieMdgI aMq ivc, kMtrol krn leI ijhVI sB qoN mhwqvpUrn qbdIlI dI afeI ey jI isPfrsL krdf hY Auh rIal iestyt kONsl df afpxf dubfrf sMquln kfiem krnf hY[ rIal iestyt kONsl dI gvrinMg bOzI ivc ieMzstrI dy aqy gYr-ieMzstrI dy mYNbrF dI anupfq ies vyly cOdF qoN iqMn hY jo ik aQfrtI dy mOzrn asUlF muqfbk nhIN hY[ kONsl leI ieMzstrI dy mYNbrF dI cox AunHF dy sfQIaF vloN kIqI jFdI hY aqy ienHF ivwcoN bhuq sfiraF ny pihlF iksy lokl rIal iestyt borz `qy syvf inBfeI huMdI hY[ kONsl leI cuxy jfx vfly lsMsI afpxy rol leI ieMzstrI df qjrbf lY ky afAuNdy hn, pr Auh ieh vI soc skdy hn ik Auh afpxy AunHF sfQIaF dy dyxdfr hn ijnHF ny AunHF nUM cuixaf hY, nf ik AunHF dI lokF pRqI PLrjL hn[ rIal iestyt kONsl dy grvinMg borz dI bxqr aqy ielYksLn dy kfrj dIaF sLrqF aqy izjLfien srkfr vloN qih kIqy jFdy hn kONsl vloN afp nhIN[ afeI ey jI ieh mMndf hY ik ieMzstrI dI sLmUlIaq svY-inXmbwDqf df iek buinafdI isDFq hY[ pr sfzf ivcfr hY ik kONsl dy borz dI bxqr, ijs qrHF ieh ies vyly hY, ieh Dfrnf aqy Kqrf pYdf krdI hY ik ieMzstrI dy ivcfr aqy ihwq KpqkfrF aqy lokF dy ihwqF qoN awgy hn[

}

kONsl dy borz dI bxqr, ijs qrHF ieh ies vyly hY, ieh Dfrnf aqy Kqrf pYdf krdI hY ik ieMzstrI dy ivcfr aqy ihwq KpqkfrF aqy lokF dy ihwqF qoN awgy hn[

lokF aqy lsMsIaF leI iswiKaf lokF leI do iksmF dI iswiKaf mOjUd hoxI jLrUrI hY aqy lokF dy ihwqF dI rwiKaf krn leI ieh inXmF dI pflxf krfAux dy isstm leI asrdfr hoxI cfhIdI hY[ pihlI Auh iswiKaf hY ijhVI lokF dI ieh smJx ivc mdd krdI hY ik Auh iksy iksm dy vrqfa aqy vqIiraF dI lsMsIaF qoN AumId rwK skdy hn aqy jy AunHF nfl nfvfjb vrqfa huMdf hY qF ikhVy Aupfa mOjUd hn[ dUjf ieMzstrI bfry afm igafn hY ijhVf KpqkfrF dI ijLafdf guMJldfr msilaF nUM smJx leI lYs krdf hY aqy afpxy ihwqF ivc PYsly krn dI qfkq idMdf hY[

32 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

donoN mhwqvpUrn hn[ pihlI iksm, lsMsIaF dy vqIry bfry pVHfeI, rYgUlytr dI ijLMmyvfrI hY[ dUjI iksm, ibjLns bfry iswiKaf aijhI ijLMmyvfrI hY ijhVy rYgUlytr aqy ieMzstrI vloN sFJI kIqI jf skdI hY[

lsMsIaF dy vqIry bfry lokF nUM iswiKaf ibRitsL kolMbIaf ivc, rIal iestyt borzF aqy ieMzstrI aYsosIeysLnF df rYgUlytr nfloN ikqy ijLafdf vwzf poRPfiel hY aqy lokF nfl ijLafdf qkVf sMbMD hY[ afeI ey jI nUM imly lokF dy ivcfrF qoN ieh pqf lwgf hY ik isLkfieqF nfl iswJx aqy lsMsIaF dy vqIry nUM anusLfsq krn bfry borzF, bI sI afr eI ey aqy rIal iestyt kONsl dy rol bfry bhuq vwzf BMblBUsf hY[ rIal iestyt kONsl dy afpxy srvy df zYtf ieh dwsdf hY ik isrP 30% Kpqkfr rIal iestyt lsMsIaF dy vqIry nfl sMbMiDq iPkrF jF isLkfieqF leI kONsl dI pCfx krdy hn[ ieh BMblBUsf aqy KpqkfrF ivc jfgrUkqf dI Gft sLfied ies krky hY ik ikAuNik ieiqhfsk qOr `qy borzF ny isLkfieqF nfl iswJx aqy anusLfsnI kfrvfeIaF krn df ijhVf rol inBfieaf hY aqy rIal iestyt kONsl dy mukfbly ijhVy vsIly borzF nUM AuplbD hn AunHF ivclf Prk hY[ dono smwisaf vfly hn[ borz aqy ieMzstrI aYsosIeysLnF mYNbrF vloN clfeIaF jFdIaF sMsQfvF hn aqy rIal iestyt kONsl dy Ault, ijs dI lokF dy ihwqF nUM pihl dyx dI ijLMmyvfrI hY, ieh sMsQfvF afpxy mYNbrF dI qrPdfrI krdIaF hn[ ieh kihx df ieh mqlb nhIN hY ik borz lokF nUM srivs nhIN idMdy jF ienHF df Pfiedf nhIN hY[ sgoN ieh ies qwQ nUM pRvfn krdf hY ik isLkfieqF dy hwl krn ivc borzF dy svfrQI ihwq hn, ijhVy ik kuJ kysF ivc lokF dy ihwqF nfloN vwKry ho skdy hn[ jdoN Auh afpxy afp nUM KpqkfrF dIaF isLkfieqF ivc sLfml krdy hn qF ieh PYslf krnf ik rYgUlytr kol ikhVI cIjL irport kIqI geI hY aqy vqIry dIaF sLrqF aqy anusLfsn dI iek vfDU prq kfiem krky Auh inXmF dI pflxf krfAux dy isstm nUM kmjLor krdy hn[

lokF leI afm igafn jdoN rIal iestyt dy ibjLns bfry lokF leI afm igafn dI gwl afAuNdI hY qF rIal iestyt kONsl keI PrMtF `qy bI sI afr eI ey nfl sihXog krdI hY, aqy afeI ey jI df ivcfr hY ik bhuq sfry kysF ivc ieh sihXog lokF dI syvf krn leI asrdfr hY[ pr ies qrHF dy keI mOky hn ijwQy afeI ey jI df iKafl hY ik rIal iestyt kONsl nUM ijLafdf srgrm hox dI loV hY aqy lokF nUM iswiKaq krn leI ies nUM ieMzstrI `qy inrBr nhIN krnf cfhIdf[ Audfhrx leI, ijwQy qyjLI nfl vD rhIaF kImqF vrgIaF mfrkIt hflqF hox, jF bonsF aqy hwlfsLyrIaF dI vrqoN vrgIaF ieMzstrI dIaF pRYkitsF hox, ijs nfl KpqkfrF nUM Kqrf pYdf huMdf hovy qF kONsl leI bhuq jLrUrI hY ik Auh KpqkfrF nUM ienHF KqiraF qoN sucyq krvfey[ lokF nUM iswiKaq krn ivc asrdfr hox leI aqy kONsl df isLkfieq krn df qrIkf lokF leI ijLafdf phuMcXog bxfAux leI kONsl leI afpxy bfry jfxkfrI vDfAuxf aqy mhwqvpUrn ZMg nfl KpqkfrF pRqI ijLafdf dosqfnf bxnf jLrUrI hY[ kONsl kol isLkfieq krn df qrIkf musLkl ho skdf hY[ isLkfieq iqafr krn aqy ies nUM drj krvfAux leI isLkfieqkrqf nUM vwzI imhnq krn dI loV huMdI hY aqy lokF aqy ieMzstrI donF ny sfnUM ieh dwisaf sI ik jdoN AunHF ny pihlI vfrI kONsl nfl isLkfieq drj krvfAux leI sMprk kIqf qF AunHF nUM sLwk dI njLr nfl dyiKaf igaf sI[ afpxy stfP dy ZFcy ivc vsIly vDfAux leI aqy isLkfieq dy kfrj `qy iDafn kyNdirq krn leI kONsl ny huxy huxy qbdIlIaF kIqIaF hn, pr afeI ey jI AumId krdf hY ik isLkfieq dy kfrj nUM ijLafdf KulHf aqy lokF leI gRihxsLIl bxfAux leI kfPI hor koisLsL krnf jLrUrI hovygf, ijs ivc klcr ivc qbdIlI krnf vI sLfml hY[ REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 33

lsMsI iswiKaf pbilk aqy ieMzstrI dy bhuq sfry lokF ny ieh itwpxIaF kIqIaF hn ik rIal iestyt dy pysLy ivc dfKl hox df imafr nINvf hY[ ijnHF lokF ny bIqy sflF dy qjrby rfhIN pysLy ivc igafn hfsl kr ilaf hY AunHF leI dfKly dIaF sLrqF ivc kmI nUM smJxf anoKI gwl nhIN hY[ ieh vI anoKI gwl nhIN hY ik ijhVy pihlF hI iksy pysLy leI Xog ho gey hox Auh dfKly leI vwzIaF rukfvtF dI ihmfieq kr skdy hn[ pr ieh vI swc hY ik smyN nfl ieMzstrIaF bdl jFdIaF hn, aqy kuJ kysF ivc ieh slfh dyx vfilaF leI ijLafdf guMJldfr aqy ijLafdf iDafn lfAux vflIaF bx jFdIaF hn[ ies kfrn krky ieh jLrUrI hY ik Xogqf dy imafrF `qy nym nfl ivcfr kIqI jfvy[ ienHF sflF ivc rIal iestyt kONsl ny iswiKaf `qy ivcfr krn Xog iDafn aqy vsIly idwqy hn[ ieh iDafn muwK qOr `qy aplfeIz pRYkits kors ivc soDF vwl idwqf igaf hY ijhVf ik lfiesMs lYx qoN bfad iswiKaf dIaF sLrqF dy ihwsy vjoN idwqf jFdf hY[ ies kors aqy nvyN strYtf mYnyjr dy lfiesMisMg kors nUM aYsosIeysLn aOP rIal iestyt lfiesMs lfa aOPIsLIaljL (ARELLO®) vloN mfnqf idwqI geI hY jo ik inXmF dI pflxf krfAux vflIaF eyjMsIaF dI iek aMqrrfsLtrI sMsQf hY[ donoN kors 2015 ivc sLurU kIqy gey sn[ afeI ey jI df ivcfr hY ik ieho ijhf iDafn hI hux dfKly dy pwDr dI iswiKaf `qy idwqf jfxf jLrUrI hY[ bhuqy lokF leI, rIal iestyt lsMsI AunHF vloN kIqy jfx vfly sB qoN vwzy ivwqI sOdy dI dyKBfl krdy hn[ AunHF hor pyisLaF dy mukfbly ijhVy ivwqI sOidaF nUM sMBfldy hn aqy AunHF sOidaF bfry slfh idMdy hn, rIal iestyt lsMsIaF leI dfKly dy imafr Gwt hn[ asIN ieh vI socdy hF ik lfiesMs lYx dI pVHfeI ivc buinafdI qwq vjoN vqIry aqy nYiqk nymF `qy ijLafdf iDafn idwqf jfxf jLrUrI hY[

}

AunHF hor pyisLaF dy mukfbly ijhVy ivwqI sOidaF nUM sMBfldy hn aqy AunHF sOidaF bfry slfh idMdy hn, rIal iestyt lsMsIaF leI dfKly dy imafr Gwt hn[

aMq ivc, afeI ey jI nUM ieh pqf lwgf ik lgfqfr iswiKaf aqy tYsitMg ivc suDfr dI guMjfiesL hY[ lsMsIaF nUM hr do sflF bfad afpxf lfiesMs nivafAux dI loV pYNdI hY aqy bhuq sfry pyisLaF vFg, afpxf lfiesMs kfiem rwKx aqy nivafAux dy Xog hox leI lgfqfr tryinMg pUrI krnI pYNdI hY[ ienHF sLrqF ivc vfDf krn aqy muhfrq dy pwDrF dy tYWst XkInI bxfAux dI guMjfiesL hY[ aKIr ivc, lfiesMisMg iswiKaf vFg, lsMsIaF leI lgfqfr iswiKaf dy ihwsy vjoN vqIry aqy nYiqk nymF `qy ijLafdf iDafn dyx dI loV hY[

34 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

VIII // isPfrsLF afeI ey jI ny inXmF dI pflxf ivclIaF KfmIaF aqy sYksLn VII ivc pCfxIaF geIaF kmjLorIaF df hwl krn leI isPfrsLF df iek ivsLfl sYWt iqafr kIqf hY[ 28 pRmuwK isPfrsLF hn aqy kuJ kysF ivc hor isPfrsLF vI hn ijnHF df mksd pRmuK isPfrsLF dI mdd krnf aqy ienHF nUM mjLbUqI nfl lfgU krnf hY[ isPfrsLF srokfrF dy AunHF muwK KyqrF aDIn hI idwqIaF geIaF hn ijhvy irport dy sYksLn VII ivc qih kIqy gey sn[ bhuqIaF isPfrsLF AunHF asUlF jF nqIijaF df aks idKfAux leI kIqIaF geIaF hn ijnHF dI asIN AunHF qoN pRfpq krn dI AumId rwKdy hF[ asIN rIal iestyt kONsl, aqy kuJ kysF ivc srkfr jF suprientYnzYNt nUM ieh AuqsLfh idMdy hF ik Auh isPfrsLF nUM Aus qrIky nfl lfgU krn ijhVf icqvy nqIjy nUM ibhqr hfsl krdf hY[ pfrdrsLqf aqy nYiqk nym

1. r Ial iestyt kONsl nYiqk nymF aqy pysLfvr vqIry df iek ivafpk koz iqafr krdI hY aqy lsMsIaF qoN ieh mMg krdI hY ik Auh afpxy lfiesMs dIaF rYgUlr sLrqF dy ihwsy vjoN ilKqI rUp ivc koz dI pflxf krn dI hfmI Brn[ rIal iestyt kONsl dy inXm ivafpk PrjL qih krdy hn ijhVy lsMsIaF dy afpxy klfieMtF vwl hn[ PrjLF ivc klfieMtF dy ibhqr ihwqF ivc kMm krnf, ihwqF dy tkrfa qoN bcx leI vfjb kdm cuwkxf, aqy eImfndfrI nfl aqy vfjb iDafn aqy hunrF nfl kMm krnf sLfml hn[ ieh inXm sfry lsMsIaF `qy lfgU huMdy hn aqy iek sMsQf vloN lfgU kIqy jFdy hn ijs nUM muwK afdysL lokF dI rwiKaf krnf hY[ rIal iestyt borz, sI afr eI ey df koz aOP aYiQks lfgU krdy hn[ ieh koz isrP AunHF lsMsIaF `qy lfgU huMdf hY ijhVy borzF dy mYNbr vI hn aqy ieh AunHF sMsQfvF vloN lfgU kIqy jFdy hn ijnHF nUM muwK afdysL ieMzstrI dy mYNbrF dy ihwqF nUM AuqsLfh dyxf hY[ koz dy ihwsy lokF dI rwiKaf dy afdysL dy Ault idKfeI idMdy hn, Audfhrx leI, hor rIaltrF nfl “ivvfdF qoN bcx” df PrjL[ nYiqk nymF dy do sYWtF dI mOjUdgI BMblBUsf aqy KpqkfrF dI rwiKaf ivc sMBfvI KfmIaF pYdf krdI hY[ sfry lsMsIaF dI nYiqkqf aqy vqIry AuWpr aQfrtI rIal iestyt kONsl dI hoxI jLrUrI hY aqy ieh spsLt qOr `qy smJ ivc afAuxf jLrUrI hY[ lsMsIaF leI nYiqkqf aqy pysLfvr vqIry df spsLt koz rIal iestyt kONsl vloN iqafr krn, kfiem rwKx aqy Cfpx nfl ies aQfrtI nUM pwkf krygf[ lsMsIaF dIaF nYiqk ijLMmyvfrIaF dI mhwqqf nUM dubfrf lfgU krn leI afeI ey jI isPfrsL krdf hY ik lsMsI hr do sflF bfad dubfrf lfiesMs leI aplfeI krn vyly knUMnI isstm dI pflxf krn, afpxy PrjL inBfAux aqy koz aOP aYiQks aqy pysLfvr vqIry df pflxf krn dI hfmI Brn[ afeI ey jI ieh vI isPfrsL krdf hY ik lsMisMg qoN pihlF dI iswiKaf aqy lfjLmI lgfqfr iswiKaf lYx nUM mjLbUq kIqf jfvy aqy ies iswiKaf ivc nYiqkqf aqy KpqkfrF pRqI lsMsI dIaF ijLMmyvfrIaF bfry ibhqr sfmwgrI sLfml hovy[ (lsMsI aqy lokF nUM iswiKaf dIaF isLPfrsLF dyKo)[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 35

2. r Ial iestyt kONsl afpxy inXmF ivc qbdIlI krky lsMsIaF nUM hux izAUl eyjMsI ivc syvfvF dyx ivc lsMsIaF nUM sLfml hox dI afigaf nhIN idMdI[ jdoN koeI lsMsI iksy klfieMt nfl rIal iestyt eyjMsI df sMbMD bxfAuNdf hY qF ies nfl mhwqvpUrn PrjL aqy ijLMmyvfrIaF juVdIaF hn ijhVIaF lsMsI ny afpxy klfieMt pRqI inBfAuxIaF hn, ijs ivc klfieMt dy ibhqr ihwqF ivc kMm krn dI ijLMmyvfrI, Byq rwKx dI ijLMmyvfrI, aqy ihwqF dy tkrfa qoN bcx leI vfjb kdm cuwkx dI ijLMmyvfrI vI sLfml hn[ afeI ey jI df ieh mwq hY ik tryizMg syvfvF ivcly lsMsIaF dI vwK vwK, sMBfvI qOr `qy iBMn-idsLfvI jF tkrfa vfly ihwqF vflIaF iDrF nUM izAUl eyjMsI dIaF syvfvF dyx dI smrwQf eyjMsI dy buinafdI sMklp dy Ault hY[ ieh iKafl ik eyjMsI df koeI Gwt rUp iksy sOdy ivc do klfieMtF nUM pysL kIqf jf skdf hY, ieh sMkyq idMdf hY ik koeI lsMsI afpxy klfieMt dy ibhqr ihwqF ivc kMm krn df apxf PrjL nhIN inBf irhf aqy nf hI ihwqF dy tkrfa qoN bcx leI kdm cuwk irhf hY[ ieh KpqkfrF ivc BMblBUsf aqy byasUly lsMsIaF vloN aXog vrqfa kIqy jfx dy mOky vI pYdf krdf hY[ afeI ey jI ieh pRvfn krdf hY ik izAUl eyjMsI dy Kfqmy nfl rIal iestyt dy sOdy ivclI iek iDr kol sLfied koeI numfieMdgI nf rhy, ijvyN ik sImq numfieMdgI ivc huMdf hY[ ieh vI iek Kqrf hY ik lsMsI dUjI iDr nUM numfieMdgI lYx qoN mnHF krygf qF jo Auh vycx vfly qoN pUrf kimsLn lY sky[ ienHF KqiraF nUM GtfAux leI afeI ey jI ieh vI isPfrsL krdf hY ik rIal iestyt kONsl lsMsIaF `qy ieh sLrqF lfvy ik Auh iDrF nUM idwqIaF jf rhIaF syvfvF dI iksm aqy hwdF bfry spsLt rUp ivc AunHF nUM dwsx aqy ibnF numfieMdgI vflI iDr nUM ieh jfxkfrI dyx dI ijLMmyvfrI AunHF dI hovy ik Auh AunHF nUM dwsx ik AunHF kol iksy afjLfd lsMsI dIaF pysLfvr syvfvF lYx df mOkf hY aqy ieh dwsx ik slfh lYx dy kI Pfiedy hn[ afeI ey jI ieh vI not krdf hY ik aijhy hflfq vI pYdf hoxgy ijwQy pihlF hI mOjUd tkrfvF df mqlb hY ik lsMsI iksy vI iDr leI kMm nhIN krdy hoxy cfhIdy[ afeI ey jI isPfrsL krdf hY ik ienHF hflfqF ivc lsMsIaF nUM syD dyx leI rIal iestyt kONsl ies qrIky nfl syDF iqafr kry ijhVIaF KpqkfrF dy ihwqF nUM pihlI QF dyxf jfrI rwKx[ asIN ieh vI not kIqf ik ik ikrfeydfrI aqy strYtf mYnyjmYNt syvfvF dy Kyqr ivc izAUl eyjMsI tryizMg srivisjL nfloN ijLafdf kMtrol vflI hY aqy ies krky sfzIaF isPfrsLF isrP tryizMg syvfvF nfl hI sMbMiDq hn[

3. r Ial iestyt kONsl lsMsIaF qoN mMg krdI hY ik iksy klfieMt nfl kMm krnf sLurU krn qoN pihlF Auh afpxy ivwqI (PfienYNsLl) aqy gYr-ivwqI PfieidaF nUM pUrI qrHF jLfhr krn aqy ies df vyrvf dyx[ AunHF muafvijLaF aqy PfieidaF df spsLt aqy pUrf spsLtIkrn ijhVy lsMsI nUM vycx vfly qoN, KrIdx vfly qoN aqy afpxy brokryj qoN imldy hn, KpqkfrF dI ieh smJx ivc mdd krdy hn ik lsMsI dI slfh dy pUry asr ikhVy hn[ ijLafdf pfrdrsLqf lsMsI dIaF ienHF ijLMmyvfrIaF nUM dubfrf lfgU krygI ik Auh afpxy klfieMt dy ibhqr ihwqF ivc kMm kr kr irhf hY aqy ieh Kqrf GtfeygI ik sOdy ivc lsMsI dy afpxy ihwqF kfrn slfh `qy koeI asr hY[

36 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

afeI ey jI isPfrsL krdf hY ik izsklojLr ivc suDfr sfry kimsLnF, PIsF, bonsF, voilAUm PfieidaF, ienfmF aqy PfieidaF aqy hwlfsLyrIaF, ivwqI aqy gYr-ivwqI donF dy hor rUpF df vrxn sLfml krdf hY, ijhVy lsMsIaF nUM sOdy ivc afpxI sLmUlIaq nfl imldy hn[ izsklojLr ivc ieh vI sLfml hoxf cfhIdf hY ik numfieMdgIaF krky (imsfl dy qOr `qy zbl ieMizMg) kimsLn ikvyN vwK vwK ho skdy hn aqy ies ivc Auh qrIky vI sLfml hoxy cfhIdy hn ijnHF nfl koeI lsMsI prcyj aYNz syl dy kOntrYkt nUM agFh asfien krvf ky muafvjLf lY skdf hY[

4. r Ial iestyt kONsl lsMsIaF qoN mMg krdI hY ik Auh KpqkfrF (kMijLAUmrjL) nUM ieh jfxkfrI dyx ijhVI spsLt rUp ivc ieh dwsdI hY ik lsMsIaF dy KpqkfrF pRqI kI PrjL hn aqy iksy lsMsI nfl kMm krn qoN pihlF, dOrfn aqy bfad ivc Kpqkfr iks qrHF afpxy ihwqF dI rfKI kr skdy hn[ bI sI afr eI ey df “vrikMg ivd ey rIaltr” brosLr sB qoN vwD afm vrqI jFdI ilKq hY ijhVI KpqkfrF nUM iksy lsMsI nfl afpxy sMbMD dI iksm bfry jfxkfrI nfl lYs krdI hY[ ieh brosLr ieMzstrI vloN, ieMzstrI leI iqafr kIqf igaf sI aqy nf ik rYgUlytr vloN ijnHF nUM afdysL lokF dy ihwqF aqy KpqkfrF dI rfKI krn df hY[ ieh brosLr eyjMsI sMbMDF `qy bhuq ijLafdf kyNdirq hY aqy afeI ey jI dy iKafl muqfbk, ieh ies qrIky nfl nhIN iliKaf igaf ijhVf KpqkfrF nUM spsLt jfxkfrI idMdf hovy aqy AunHF dI phuMc ivc hovy[ sfzf XkIn hY ik rIal iestyt kONsl lsMsIaF nfl afpxy sMbMD bfry KpqkfrF nUM jfxkfrI dyx aqy ieh dwsx leI sB qoN ibhqr hflq ivc hY ik iksy lsMsI nfl sMbMD ivc sLfml hox qoN pihlF, dOrfn aqy bfad ivc afpxy ihwqF dI rfKI ikvyN krnI hY[ afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl lsMsI dy syvfvF dyx qoN pihlF KpqkfrF nUM idwqI jfx vflI jfxkfrI iqafr krn df ijLMmf lvy aqy sfry lsMsIaF `qy ieh sLrq lfey ik Auh ieh jfxkfrI KpqkfrF nUM dyx[ ies jfxkfrI ivc KpqkfrF dI rwiKaf vwl qkVf iDafn hoxf cfhIdf hY aqy ieh lsMsI dI afpxy klfieMt pRqI ijLMmyvfrI nUM sKqI nfl lfgU krdf hovy[ ies nUM PIsF aqy PfieidaF bfry jfxkfrI, eyjMsI sMbMDF bfry jfxkfrI aqy idwqIaF jfx vflIaf syvfvF, KpqkfrF leI jLrUrI PYsilaF (Audfhrx leI, kOntrYkt asfienmYNtF bfry), afpxy lsMsI qoN puwCy jfx vfly svflF bfry jfxkfrI dyxI cfhIdI hY aqy ieh jfxkfrI vI dyxI cfhIdI hY ik sMbMD bdl jfvy qF kI krnf hY (Audfhrx leI, jy koeI lsMsI bfad ivc ihwqF dy tkrfa df aYlfn krdf hY)[ ies ivc ieh jfxkfrI vI sLfml hoxI cfhIdI hY ik rIal iestyt kONsl kol isLkfieq ikvyN drj krvfAuxI hY[ afeI ey jI ieh vI isPfrsL krdf hY ik rIal iestyt kONsl lsMsIaF qoN ieh mMg kry ik iksy sOdy dOrfn aqy jdoN vI sMbMD ivc koeI qbdIlI afAuNdI hY, Auh vfDU aqy cflU rihx vflI jfxkfrI vI dyx qF jo Kpqkfr spsLt rUp ivc afpxy aqy afpxy PYsilaF AuWpr pYx vfly asr nUM smJ skx[ afeI ey jI XkIn krdf hY ik koeI pypr (zfkUmYNt) dy dyxf, afpxy afp ivc iksy lsMsI nUM AunHF ijLMmyvfrIaF qoN mukq nhIN kr idMdf ijhVIaF Aus dIaF, klfieMt nUM idwqIaF jfx vflIaF sfrIaF syvfvF bfry pUrI qrHF dwsx dIaF hn[ afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl lsMsIaF leI shfiek syDF aqy iswiKaf iqafr kry qF jo ieh pwkf hovy ik KpqkfrF nUM idwqy gey koeI vI pypr AunHF nUM pUrf vyrvf idMdy hn aqy Auh ies nUM smJdy hn[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 37

5. r Ial iestyt kONsl lsMsIaF vloN vrqy jFdy PfrmF aqy kOntrYktF `qy ijLafdf iDafn idMdI hY qF jo ieh pwkf hovy ik Auh KpqkfrF dI rwiKaf aqy lokF dy ihwqF `qy ZukvF jLor idMdy hn[ afeI ey jI iPkrmMd hY ik ilsitMg dy aYgrImYNt aqy KrIdx aqy vycx dy kOntrYkt, ieMzstrI vloN ieMzstrI leI iqafr kIqy gey hn, aqy ienHF df iDafn lokF dy ihwqF aqy KpqkfrF dI rwiKaf `qy nhIN ho skdf hY, ijMnf iDafn inXm lfgU krvfAux vfilaF vloN iqafr kIqy gey aqy vMzy gey zfkUmYNts df ho skdf hY[ rIal iestyt kONsl kol rIal iestyt dIaF syvfvF dyx leI lsMsIaF vloN vrqy jfx leI stYNzrz Pfrm imwQy jfx df aiDkfr hY, aqy afeI ey jI dy ivcfr muqfbk, ieh pwkf krn leI ik lsMsIaF vloN vrqy jFdy Pfrm aqy izsklojLr lokF dy ihwqF df aks idKfAux leI dKlaMdfjLI krn dI mhwqvpUrn ijLMmyvfrI vI hY[ afeI ey jI isPfrsL krdf hY ik kONsl afpxy ies aiDkfr nUM ijLafdf idRVHqf nfl vrqy qF jo ieh pwkf hovy ik rIal iestyt syvfvF dyx leI rIal iestyt lsMsIaF vloN vrqy jFdy pypr (zfkUmYNts) KpqkfrF nUM spsLt hn, smJ afAuNdy hn, aqy Kqpkfr ieh smJdy hn ik idwqI geI jfxkfrI AunHF dy PYsilaF `qy ikvyN asr kr skdI hY[ Audfhrx leI, kONsl nUM ieh pwkf krnf cfhIdf hY ik ilsitMg aYgrImYNt ivc, kOntrYkt nUM agFh dyx (asfien krn) dy sMbMD ivc vycx vfly dIaF coxF bfry vyrvf hovy aqy pUrI qrHF smJ afAux vflf hovy[ KrIdx aqy vycx dy kOntrYkt df afm Pfrm, lsMsI aqy KrIdfr aqy vycx vfly ivckfr iek zfkUmYNt nhIN hY; sgoN ieh KrIdfr aqy vycx vfly ivckfr iswDf kOntrYkt hY[ ies kfrn krky, ieh iek afm Pfrm nhIN hY ijs AuWpr rIal iestyt kONsl df aYkt aDIn spsLt aiDkfr hY[ ibRitsL kolMbIaf ivc, bhuqy lsMsIaF vloN vriqaf jFdf KrIdx aqy vycx dy kOntrYkt df stYNzrz Pfrm, Auh Pfrm hY ijhVf sUby dy rIal iestyt borzF dy mYNbrF dI vrqoN leI bI sI afr eI ey vloN kYnyzIan bfr aYsosIeysLn nfl rl ky iqafr kIqf igaf sI[ BfvyN ik ieh spsLt nhIN hY ik kI aYkt rIal iestyt kONsl nUM KrIdx aqy vycx dy kOntrYkt dy stYNzrz Pfrm ivc qbdIlIaF krn df aiDkfr idMdf hY, pr srkfr ny huxy huxy kOntrYkt aFgh dyx (asfien krn) dI glq vrqoN bfry iPkrF dy hwl krn leI stYNzrz Pfrm dy sLbdF ivc qbdIlI krn leI dKlaMdfjLI kIqI hY[ afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl nyVy qoN KpqkfrF dI rwiKaf dy AunHF msilaF `qy ingrfnI rwKy ijhVy KrIdx aqy vycx dy kOntrYkt dy stYNzrz Pfrm qoN pYdf ho skdy hn ijs ivc srkfr vloN kIqIaF geIaF qfjLf qbdIlIaF vI sLfml hn[ jy kONsl ienHF PfrmF ivc mhwqvpUrn KfmIaF dI pCfx krdI hY aqy jy ienHF df ieMzstrI dIaF sMsQfvF vloN afp hwl nhIN kIqf jFdf qF srkfr vloN dKl idwqy jfx dI aqy ieh spsLt krn dI loV ho skdI hY ik kI lsMsIaF vloN vrqy jFdy Kfs PfrmF dI sfmwgrI nUM iqafr krn leI rIal iestyt kONsl df inXm lfgU krvfAux df aiDkfr rIal iestyt KrIdx aqy vycx vfilaF ivckfr kOntrYktF `qy lfgU huMdf hY ik nhIN[

38 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

6. s rkfr AunHF qbdIlIaF nUM lfgU krdI hY ijhVIaF ies ny lsMsIaF vloN vrqy jFdy kOntrYktF ivc kIqIaF sn, ijs ivc KrIdfr vloN kOntrYkt nUM agFh dyx leI vycx vfly dI sihmqI, rIal iestyt dy lYx-dyx leI kOntrYkt dy sfry rUp sLfml hn BfvyN ieh kOntrYkt lfiesMsIaF vloN iqafr kIqy jFdy hn jF nhIN[ srkfr ny huxy huxy ieh pwkf krn leI kdm cuwikaf hY ik vycx vfly jfxkfrI lY ky ieh cox krdy hn ik kI AunHF ny KrIdx vfilaF nUM kOntrYkt agFh dyx dI afigaf dyxI hY jF nhIN[ BfvyN ik ieh iek cMgf kdm hY, afeI ey jI iPkrmMd hY ik kOntrYkt agFh dyx bfry sLrqF isrP AunHF sOidaF `qy hI lfgU huMdIaF hn ijhVy lsMsIaF vloN krvfey jFdy hn[ ies df iswtf axicqvI “sYLzo PilipMg” qoN lY ky mfrkIt dy afjLfd ihwsy dI pRYkits vDx ivc inkl skdf hY, Audfhrx leI, “Pfr syl bfey Enr” vrgIaF cIjLF ivc[ ies krky afeI ey jI isPfrsL krdf hY ik kOntrYktF nUM agFh dyx bfry huxy huxy lfeIaF geIaF sLrqF rIal iestyt ivcly AunHF tryzF leI kOntrYkt dy PfrmF `qy vI lfeIaF jfx ijnHF ivc koeI lsMsI sLfml nhIN huMdf[

7. r Ial iestyt kONsl ieh mMg krdI hY ik tryz ivc lsMsIaF vloN afpxy ihwqF dy kIqy gey sfry iejLhfrF `qy lsMsIaF dy mYnyijMg brokr ivcfr krn aqy ies nUM pRvfngI dyx aqy bfad ivc rYgUlr vkPy bfad rIal iestyt kONsl kol drj krvfAux[ lsMsIaF kol rIal iestyt mfrkIt df aMdrlf igafn huMdf hY aqy jdoN Auh KpqkfrF nUM syvfvF dyx dy ielfvf inwjI sOidaF qoN Pfiedf lYNdy hn qF ies nfl ieh ivcfr bx skdf hY ik lsMsI lokF df nuksfn krky aMdrly igafn df Pfiedf lY rhy hn[ inXmF dI pflxf krfAux df mOjUdf isstm ieh mMg krdf hY ik jdoN vI lsMsI iksy sOdy ivc afpxf ihwq hfsl kr rhy hox qF Auh ies bfry dwsx, Audfhrx leI, koeI pRfprtI KrIdxf jF vycxf[ ieh izsklojLr afpxy mYnyijMg brokr kol drj krvfey jfxy jLrUrI hn[ rIal iestyt kONsl ienHF PfielF dI pVcol kr skdI hY jdoN Auh brokryj df afizt krdy hn[ afeI ey jI isPfrsL krdf hY ik mYnyijMg brokrF qoN ienHF izsklorjLr nUM qurMq ivcfrn aqy pRvfn krn dI mMg kIqI jfvy aqy aijhf iksy vI kys ivc KrIdx jF vycx dy aYgrImYNt ivc sLfml hox qoN pihlF kIqf jfvy aqy mYnyijMg brokr ieh izsklojLr nym nfl rIal iestyt kONsl kol drj krvfAux[ ieh ivcfr aqy pRvfn krnf mYnyijMg brokr aqy rIal iestyt kONsl donF nUM sMBfvI ruJfnF dI pCfx krn leI lYs krygf (Audfhrx leI, cVH rhI mfrkIt dOrfn iksy Kfs brokr qoN drj krvfAux ivc vfDf) aqy svfl puwC ky ieh pCfx krvf skygf ik kI lsMsI sOdy ivclI dUjI iDr nfl vfjb vrqfAu kr irhf hY[ afeI ey jI ieh vI isPfrsL krdf hY ik rIal iestyt kONsl tryz Pfrm ivc ihwqF dy izsklojLr nUM ivcfry qF jo ieh pwkf hovy ik ieh sfry sMBfvI ihwqF nUM PVdf hY aqy ieh ik ies ivclI sfmwgrI spsLt aqy KpqkfrF dy smJx leI sOKI hY[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 39

8. r Ial iestyt kONsl afpxy inXmF ivc soD krky lsMsI nUM afpxI ilsitMg ivc iswDf jF aiswDf ihwq rwKx qoN mnfhI krdI hY[ lsMsIaF dI afpxI ilsitMg ivc ihwq rwKx dI pRYkits KpqkfrF nUM byeImfn lsMsIaF qoN vwzf Kqrf pYdf krdI hY, Audfhrx leI, mfrkIt qoN Gwt dIaF aOPrF[ afeI ey jI ies pRYkits nUM ihwqF df sKq ivroD smJdf hY[ afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl lsMsIaF nUM KrIdx aqy vycx dy kOntrYkt ivc koeI ihwq rwKx jF iksy sOdy ivc kOntrYkt nUM agFh asfien krn qoN mnfhI krn leI afpxy inXmF ivc soD kry ijs leI lsMsI inXq kIqf hoieaf eyjMt hY[

9. r Ial iestyt kONsl ieh mMg krdI hY ik rIal iestyt dy lYx-dyx dy sMbMD ivc vycx vfly dy eyjMt nUM imlIaF sfrIaF aOPrF Aus eyjMt dy mYnyijMg brokr kol qurMq drj krvfeIaF jfx aqy brokryj vloN sFBIaF jfx aqy dyKy jfx leI mMgx `qy rIal iestyt kONsl nUM idwqIaF jfx[ afeI ey jI ienHF irportF qoN jfxU hY ik kuJ lsMsI afeIaF sfrIaF aOPrF bfry vycx vfilaF nUM nhIN dws rhy aqy Kfs KrIdfrF qoN afeIaF aOPrF dI ies qrIky nfl qrPdfrI kr rhy hn ijhVf afpxy klfieMt dy ibhqr ihwqF ivc kMm krn dI lsMsI dI ijLMmyvfrI nfl smJOqf kr skdf hY[ asIN ienHF irportF qoN vI jfxU hF ik mltIpl aOPrF dy dfavy, kuJ kysF ivc vDf cVHf ky kIqy gey ho skdy hn jo ik kuJ lsMsIaF vloN KrIdfrF nUM afpxIaF aOPrF vDfAux leI AuqsLfhq krn leI vrqy jFdy hn[ pfrdrsLqf nUM XkInI bxfAux leI aqy rIal iestyt kONsl vloN aXog vrqfa dI pCfx krn leI pyprF rfhIN Koj kwZx leI, afeI ey jI isPfrsL krdf hY ik brokryjF qoN syl dy kfrj dOrfn sfrIaF aOPrF dy irkfrz rwKx dI mMg kIqI jfvy[ lMby smyN leI afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl iek rIal-tfeIm mltIpl aOPr rijstrI lfgU kry ijwQy KrIdfr, pRfprtI `qy afeIaF sfrIaF aOPrF nUM pRfeIvysI dI ZukvIN ihPfjLq nfl dyK skx[ ieh KrIdfrF nUM ieh qsdIk krn dy Xog bxfeygf ik AunHF dI aOPr pysL kr idwqI geI hY aqy Auh ieh dyK skxgy ik swcIN hI keI aOPrF hn ijhVIaF pRfprtI `qy afeIaF hn[ hukm dI pflxf aqy iswty

10. r Ial iestyt kONsl sMBfvI lsMsIaF leI Xogqf dI ijLafdf sKLq asYWsmYNt ksOtI lfgU krdI hY[ aXog vrqfa nUM rokx aqy lokF dI rwiKaf krn df sB qoN asrdfr qrIkf “Kqry vfly” ivakqIaF nUM lfiesMs dyx qoN bcxf hY[ afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl vwzy soRqF leI vcnbwD hovy aqy nvyN lsMsIaF leI Xogqf dI asYWsmYNt nUM vwzI qrjIh dyvy[ ies nvyN iDafn ivc AunHF muwK sUckF dI pVcol nUM sLfml krnf cfhIdf hY ijhVy ijLafdf Kqry vfly lsMsIaF bfry BivwKbfxI krn[ (ies ivc inXmbwD hor ieMzstrIaF ivcly aXog vrqfa dI pVcol krnf vI sLfml hoxf cfhIdf hY)[

40 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

dfKly dIaF qkVIaF sLrqF vD rhI mfrkIt ivc Kfs krky mhwqvpUrn hn, ijwQy kuJ nvyN lsMsI QoVHy smyN dy munfPy `qy kyNdirq ho skdy hn nf ik afpxy klfieMtF dy ibhqr ihwqF aqy ies nfl juVIaF ijLMmyvfrIaF `qy[ afeI ey jI ies asUl dI ihmfieq krdf hY ik ZukvyN hlfqF ivc Xogqf leI suxvfeIaF df Krcf arjLIkrqfvF qoN ilaf jfxf cfhIdf hY[

11. r Ial iestyt kONsl mYnyijMg brokrF `qy spsLt ijLMmyvfrI suwtdI hY ik Auh lsMsI dy aXog vrqfa bfry kONsl nUM irport krn, aqy lsMsIaF df ieh spsLt ijLMmf lfAuNdI hY ik Auh aXog vrqfa bfry afpxy mYnyijMg brokr nUM irport krn, jdoN Auh aXog vrqfa pbilk nUM Kqry ivc pfAuNdf hY[ svY-inXmbwDqf (sYlP-rYgUlysLn) dy kMm krn leI iksy vI pysLy leI afpxy afp nUM AuWcy imafrF `qy rwKxf jLrUrI hY ijMnf koeI vI afjLfd rYgUlytr Aus pysLy nUM rwKygf[ svY-inXmbwDqf dI irafieq ieh mMg krdI hY ik Aus pysLy dy mYNbr afpxy vqIry aqy hor mYNbrF dy vqIry ivc srgrm idlcspI lYx[ aXog vrqfa dI irport krnf, Kfs krky Aus aXog vrqfa dI ijhVf lokF leI nuksfndyh hY, svY-inXmbwDqf dI rUh hY[ afeI ey jI dI pVcol ny ieh pqf lfieaf ik Aus nfloN hor ijLafdf lsMsI aqy mYnyijMg brokr irport krn Xog msilaF qoN jfxU hn ijMny asl ivc ienHF msilaF nUM inXm lfgU krn vfly dy iDafn ivc ilaf rhy hn[ aijhf kuJ kuJ ieMzstrI aqy lokF ivcly gOr krnXog ies BMblBUsy kfrn hoieaf ho skdf hY ik lsMsIaF dy aXog vrqfa dI irport ikwQy krnI hY aqy aXog vrqfa nfl iswJx leI ikhVy kdm cuwkxy hn[ afeI ey jI ies mhwqvpUrn rol nUM smJdf hY ijhVf rIal iestyt borzF ny afpxy mYNbrF leI KpqkfrF dI rwiKaf dIaF AumIdF sQfpq krn leI rIal iestyt kONsl dI sQfpnf qoN pihlF aqy bfad ivc inBfieaf hY[ pr, smyN nfl isLkfieqF `qy kfrvfeI krn ivc borzF df rol ies poafieMt `qy phuMc igaf ijwQy Auh rIal iestyt kONsl dy aiDkfr Kyqr dI ivafiKaf kr rhy hn aqy KpqkfrF dIaF isLkfieqF dI CFtI kr rhy hn[ shI qOr `qy ieh rol rYgUlytr df hY[ isrP rIal iestyt kONsl hI rYgUlytr hY ijs nUM lokF dI rwiKaf dy afdysL nfl kfnUMn nfl sQfpq kIqf igaf hY aqy ieh afpxf kMm ibnF iksy zuplIkysLn dy jF borzF dI dKlaMdfjLI qoN krn dy Xog hoxI jLrUrI hY[ afeI ey jI rIal iestyt kONsl nUM kIqI jfx vflI lfjLmI irporitMg nUM isLkfieqF aqy borzF dy anusLfsnI rol nUM pUrI qrHF bdlx vjoN nhIN dyKdf[ rIal iestyt kONsl, lsMsI, jF mYnyijMg brokr, borzF kol aijhIaF isLkfieqF Byj skdy hn ijhVIaF ijLafdf shI qOr `qy lsMsIaF qoN lsMsIaF dy JgiVaF bfry huMdIaF hn aqy ies ivc KpqkfrF dI rwiKaf sImq huMdI hY jF iblkul nhIN huMdI jF lokF dy ihwqF dy mfmly nhIN huMdy[ borzF kol afpxy mYNbrF dy vqIry nUM kMtrol krn df hr hwk hY; pr, afeI ey jI df ieh ivcfr hY ik AunHF df rol rYgUlytr dy rol qoN Cotf hoxf jLrUrI hY[ asIN mYnyijMg brokrF vloN aXog vrqfa dI lfjLmI irporitMg nUM iksy msly nUM hwl krn dIaF vfjb koisLsLF krn leI inXmF aDIn mYnyijMg brokr dI qfkq dI QF lYx vjoN vI nhIN dyKdy[ sfzf XkIn hY ik mYnyijMg brokrF nUM AunHF irportF dI pCfx krn aqy ienHF `qy kfrvfeI krn leI vwzf rol inBfAux dI loV hY ijhVIaF ieMzstrI dIaF KpqkfrF leI nuksfndyh pRYkitsF bfry iesLfrf krdIaF hn[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 41

ieh pwkf krn leI ik mYnyijMg brokr aXog vrqfa df pqf lfAux aqy ies dI irport krn leI afpxIaF ijLMmyvfrIaF shI qrHF inBfa rhy hn, afeI ey jI isPfrsL krdf hY ik mYnyijMg brokrF qoN rIal iestyt kONsl kol iek slfnf irport drj krvfAux dI mMg kIqI jfvy ijs ivc AunHF PfielF dI igxqI bfry jfxkfrI hovy ijhVIaF aslI jF sMBfvI aXog vrqfAu bfry sn, ijnHF `qy kfrvfeI kIqI geI sI aqy ieh dwisaf jfvy ik ienHF df hwl ikvyN kIqf igaf sI[ afeI ey jI ieh smJdf hY ik rIal iestyt kONsl, rIal iestyt borzF, mYnyijMg brokrF aqy lsMsIaF ivckfr isLkfieqF nfl iswJx aqy irport krn dy mOjUdf ZFcy nUM dubfrf iqafr iqafr nUM smF lwgygf[ pfrdrsLI kfrvfeIaF, qrIky, aqy PYsly krn dIaF ksOtIaF nvyN isstm dy mhwqvpUrn ihwsy hoxgy[ ies smyN dOrfn, afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl borzF nfl jfxkfrI sFJI krn dy pRbMD kry ijhVy ik ies vyly lokF dIaF isLkfieqF aqy kIqIaF geIaF anusLfsnI kfrvfeIaF dy sMbMD ivc rYgUlytr nfl jfxkfrI sFJI nhIN krdy[ aMq ivc asIN isPfrsL krdy hF ik rIal iestyt kONsl ieh spsLt kr dyvy ik kONsl kol aXog vrqfa dI irport krn dIaF sLrqF dI pflxf nf krnf iek pysLfvr aXog vrqfa hY ijs kfrn pfbMdIaF lwg skdIaF hn[

12. r Ial iestyt kONsl, lsMsI dy aXog vrqfa dI irport krn nUM suKflf krn leI ieMzstrI aqy lokF leI irport krn dy gupq qrIky (Audfhrx leI, irport krn leI hOtlfeInF jF glq kMm dI irport krn vfly poRgrfm) lfgU krdI hY[ kuJ lsMsI rIal iestyt ieMzstrI dI sMbMDF `qy afDfirq iksm krky aqy ies Dfrnf krky sfQIaF jF brfbr dy ivakqIaF nfl sMbMiDq iPkrF dI irport afm qrIikaf nfl krn qoN cuwpI vwt skdy hn ik aijhf krnf byvPLfeI hY aqy jF ieh bdlfKorI nUM swdf dyvygf[ lok vI aijhy kfrnF krky hI rYgUlytr nUM irport krn qoN pfsf vwt skdy hn[ pr, ieMzstrI aqy ivakqIaF dy ihwqF aqy lokF df AudoN nuksfn huMdf hY jdoN vqIry aqy pRYkits dy msilaF dI irport nhIN huMdI aqy ienHF df hwl nhIN huMdf[ gupq irport krn dy qrIky, vqIry aqy pRYkits dy msilaF aqy KqiraF dI srgrmI nfl pCfx krn nUM AuqsLfh idMdy hn aqy nuksfn qoN rokQfm krn leI rYgUlytr nUM agyqI pVqfl aqy dKlaMdfjLI krn idMdy hn[ kfmXfb hox leI, gupq irport krn dy qrIikaF df lokF nUM aqy ieMzstrI ivcly ihwsydfrF nUM cMgI qrHF pqf hoxf jLrUrI hY[ ies leI, afeI ey jI ieh isPfrsL krdf hY ik kONsl vloN sQfpq kIqy gey qrIikaF dI vwzI pwDr `qy msLhUrI hovy aqy ienHF nUM Cfipaf jfvy[ afeI ey jI ieh smJdf hY ik rIal iestyt syvfvF leI kuJ kOntrYktF ivc, Kfs qOr `qy strYtf mYnyjmYNt dIaF syvfvF ivc, aijhIaF klfjLF sLfml huMdIaF hn ijhVIaF klfieMtF nUM rIal iestyt kONsl kol isLkfieqF drj krvfAux qoN vrjdIaF hn, Audfhrx leI, aXog vrqfa dy dosLF dI sPLfeI pysL krn dy Krcy klfieMtF `qy pf ky[ asIN isPfrsL krdy hF ik rIal iestyt kONsl ieMzstrI dIaF AunHF pRYkitsF df hwl krn leI sKq kfrvfeI kry ijhVIaF lokF aqy ieMzstrI nUM kONsl kol isLkfieq drj krvfAux qoN rokdIaF hn, jF ijLafdf aOKf bxfAuNdIaF hn[

42 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

13. r Ial iestyt kONsl lsMsIaF nUM AunHF sfry inXmF dI pflxf krn nUM AuqsLfh dyx leI mOjUdf kfnUMnI qfkqF dI vrqoN krdI hY ijhVy inXm AunHF dy vqIry nUM kfbU ivc krdy hn, ijnHF ivc kfnUMnI aqy srkfrI inXm sLfml hn[ Aus kfnUMn dI lsMsIaF vloN coxvIN pflxf ijhVf AunHF dy vqIry nUM kMtrol krdf hY, iewQoN qwk ik ijwQy kfnUMn rIal iestyt kONsl dy iswDy aiDkfr Kyqr qoN bfhr vI hY, lsMsI dI lfiesMs kfiem rwKx dI jfrI rihx vflI Xogqf bfry svfl KVHy krdI hY[ afpxIaF kfnUMnI ijLMmyvfrIaF qoN bcx leI klfieMtF dI mdd krnf vI lsMsI dI lfiesMs kfiem rwKx dI jfrI rihx vflI Xogqf bfry svfl KVHy krdf hY[ ieh donoN pRYkitsF KpqkfrF nUM Kqry ivc pfAuNdIaF hn, lokF dy Brosy nUM kmjLor krdIaF hn aqy inXm lfgU krvfAux vfly hor isstmF dI eImfndfrI nUM nuksfn phuMcfAuNdIaF hn[ afeI ey jI ieh XkIn krdf hY ik rIal iestyt kONsl df inXmF nUM lfgU krvfAux df mOjUdf afdysL aqy qfkqF, ies nUM afpxy iswDy aiDkfr Kyqr qoN bfhr dIaF kfnUMnI aqy inXmI sLrqF dI lsMsIaF vloN pflxf krn nUM AuqsLfh idMdy hn[ jy kONsl ieh XkIn krdI hY ik ies df aiDkfr Kyqr aspsLt hY qF kONsl ieh pwkf krn leI afpxy inXmF ivc soD kr skdI hY ik hor kfnUMnI aqy inXmI sLrqF dI lsMsIaF vloN pflxf nf krnf, jF klfieMt nUM pflxf nf krn leI sLih dyxf jF pflxf nf krn ivc Aus dI mdd krnf, anusLfsnI kfrvfeI krn jF pfbMdI lfAux leI kONsl dy aiDkfr Kyqr ivc hY[ afeI ey jI ieh vI isPfrsL krdf hY ik PRIzm aOP ienPrmysLn aYNz pRotYksLn aOP pRfeIvysI aYkt dI pflxf krn leI srkfr aYkt ivc soD krky rIal iestyt kONsl nUM inXm aqy kfnUMn lfgU krn vflIaF hor aQfrtIaF nUM jfxkfrI jLfhr krn dI afigaf dyvy[ ies nfl lokF dI ibhqr rwiKaf krn leI inXm lfgU krn vfly pfrtnrF nfl sihXog krn ivc suDfr hovygf[

14. r Ial iestyt kONsl AunHF lsMsIaF df srgrm qOr `qy pqf lfAux aqy AunHF nUM rokx dy XqnF ivc vfDf krdI hY ijhVy Dwky nfl mfrkIitMg aqy sylF dy amlF ivc sLfml huMdy hn, mdd krdy hn, jF ienHF amlF nUM sLih idMdy hn jo ik jnqf dy Kqry ivcly mYNbrF nUM insLfnf bxfAuNdy hn[ lokF dI iksy vI Aus aXog vrqfa leI iGrnf vD geI hY ijhVy nuksfn dI jLwd ivc afAux Xog ibRitsL kolMbIanF nUM insLfnf bxfAuNdf hY, Audfhrx leI, nvyN iemIgrFt, bjLurg, rIal iestyt mfrkIt ivc ihwsf lYx vfly Gwt sUJvfn, aqy ibnF numfieMdgI vfly ivakqI sLfml hn[ mfrkIt dy aijhy mfhOl ivc ijwQy lsMsI Dwky nfl ilsitMgF mMgdy hn aqy sOdy QoVHy idnF ivc hI mukMml ho jFdy hn, vycx vfilaF nUM gMBIrqf nfl “socx dy smyN” df Pfiedf nhIN imldf[ ivkrIaF dI igxqI vDfAux `qy kyNdirq lsMsI kfhlI dI Bfvnf aqy vycx vfly dy AuksfAU vqIry ivc vfDf kr skdy hn[ ies mfhOl ivc rIal iestyt kONsl leI hor vsIilaF `qy iDafn dyxf jLrUrI hY, ijs ivc kmjLor lokF nUM insLfnf bxfAux vflIaF jbr vflIaF aqy sLosLn krn vflIaF mfrkIitMg pRYkitsF nUM rokx aqy anusLfsq krn bfry KpqkfrF nUM smyN isr cOks krnf vI sLfml hY[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 43

15. r Ial iestyt kONsl afpxy brokryj aOizitMg poRgrfm ivc lsMsI dy vqIry dI jFc `qy iDafn vDfAuNdI hY[ rIal iestyt kONsl df mOjUdf brokryj afizitMg poRgrfm muwK qOr `qy brokryj dy ivwqI irkfrzF, sMbMiDq aMdrUnI kMtrolF aqy trwst PMzF dI ihPfjLq `qy kyNdirq hY[ ivwqI iemiqhfnF dI mhwqqf nUM GtfAux qoN ibnF, afeI ey jI isPfrsL krdf hY ik afizt pRogrfm nUM vDfieaf jfvy aqy ies ivc ibjLns pRYkitsF aqy lsMsIaF dy vqIry dy vwzy iemiqhfn sLfml kIqy jfx[ srgrmI nfl kIqy jfx vfly mfrkIt dy vqIry dy irvIAU, aslI aqy sMBfvI aXog vqIiraF dI pCfx krn ivc kONsl dI mdd krngy aqy KpqkfrF dI rwiKaf krn leI agyqI dKlaMdfjLI krngy[

16. s rkfr rIal iestyt kONsl kol AuplbD anusLfsnI jurmfinaF dI vwD qoN vwD hwd ivc vfDf krdI hY jo ik hux iksy lsMsI dy glq vrqfa leI 250,000 zflr aqy brokryj dy glq vrqfa leI 500,000 zflr hY aqy pRbMDkI jurmfny vD ky vwD qoN vwD 50,000 zflr ho gey hn[ inXmF dy ivruwD glq vrqfa leI kIqy jfx vfly jurmfny glq vrqfa nUM duhrfAux qoN Kfs qOr `qy roky jfx vfly hoxy jLrUrI hn aqy ieh aijhy glq vrqfa leI ieMzstrI nUM inrAuqsLfhq krn vfly vI hoxy jLrUrI hn[ rIal iestyt dI mOjUdf mfrkIt ivc glq vrqfa leI sMBfvI ievjLfinaF dy afkfr krky, aYkt aDIn mOjUdf jurmfny (lsMsIaF leI 10,000 zflr aqy brokryjF leI 20,000 zflr) ibjLns krn dy Krcy qoN QoVHf ijhf vD hI ho skdy hn[ vwD qoN vwD pRbMDkI jurmfny (1,000 zflr) mfrkIt nfl kdm imlf ky nhIN cwly hn[ jurmfinaF ivc qjvIjLsLudf vfDy rIal iestyt kONsl nUM ijLafdf lfgU krn Xog kfrvfeI krn aqy ieMzstrI dy vqIry nUM ijLafdf asrdfr qrIky nfl pRBfivq krn leI lYs krngy[ afeI ey jI inXmF dI hr AulMGxf leI jurmfnf lfAux dI vI ihmfieq krdf hY aqy asIN isPfrsL krdy hF ik srkfr rIal iestyt kONsl nUM pRbMDkI pfbMdI lfAux leI Kfs inXm bxfAux dI qfkq dyvy[ ieh qfkq kONsl nUM AuBr rhy aqy pRQmqf vfly vrqfa dy msilaF df jvfb dyx leI iqafr krygI ijhVy ik mfrkIt dIaF vwK vwK hflqF dOrfn pYdf ho skdy hn nf ik inXmF ivc kdy kdy qbdIlIaF leI bynqI krn aqy sMBfvI qOr `qy AuzIk krn dy[ anusLfsnI kfrvfeIaF aqy jurmfny lsMsIaF dy ijLafdf gMBIr aXog vrqfa leI rIjLrv rwKy jfxy cfhIdy hn aqy nf ik tYknIkl apflxf dy msilaF leI ijnHF nfl pRbMDkI jurmfinaF nfl shI qrHF iswiJaf jFdf hY[ pfrdrsLqf aqy jurmfinaF dI vfjb vrqoN nUM XkInI bxfAux leI afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl ies cIjL bfry gfeIzlfeInF Cfpy ik sjLfvF df PYslf ikvyN kIqf jfvygf, ijs ivc pRbMDkI sjLfvF aqy anusLfsnI sjLfvF vI sLfml hn[

17. s rkfr, rIal iestyt kONsl nUM lsMsIaF aqy brokryj qoN glq vrqfa nfl kIqI geI afmdnI vfps kZfAux dy Xog bxfAux leI aYkt ivc soD krdI hY[ vDfey gey jurmfinaF aqy pYnltIaF qoN ielfvf, afeI ey jI aXog vrqfa qoN hoeI afmdnI nUM vfps ley jfx dI ihmfieq krdf hY[ aXog vrqfa dy nfl kmfeI geI afmdnI vfps kZfAux aqy mfiek jurmfinaF df sumyl aXog vrqfa ivc sLfml hox nUM inrlfB bxfAuNdf hY aqy ieh iek qkVy vrjk vjoN kMm krdf hY[ afeI ey jI isPfrsL krdf hY ik lMby smyN dOrfn, rIal iestyt kONsl aXog vrqfa df isLkfr hox vfly pIVqF nUM muafvjLf dyx leI afmdnI vfps krn leI qrIikaF `qy ivcfr kry[

44 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

18. r Ial iestyt kONsl afpxIaF isLkfieqF aqy anusLfsnI kfrj dI aqy inklx vfilaF nqIijaF dI pfrdrsLqf ivc suDfr krdI hY[ inXmF dI pflxf dy kfrj ivc pfrdrsLqf aqy lokF dI sLmUlIaq ivc suDfr krn leI, afeI ey jI ieh isPfrsL krdf hY ik isLkfieqF aqy anusLfsnI kfrvfeIaF aqy inkly nqIijaF bfry rIal iestyt kONsl dy vYWbsfeIt `qy ijLafdf jfxkfrI pfeI jfvy aqy ieh jfxkfrI ies qrIky nfl idwqI jfvy ijhVf phuMcXog hovy aqy KpqkfrF leI vrqxf aqy smJxf sOKf hovy[ kMtrol aqy ZFcf

19. s rkfr ieh afigaf dyx leI aYkt ivc soD krdI hY ik kONsl dy 50% mYNbr ieMzstrI qoN bfhr dy hoxgy[ ies vyly kONsl dy sqfrF mYNbrF ivwcoN qyrF ieMzstrI dy mYNbr hn jo ik AunHF dy sfQIaF vloN cuxy jFdy hn, iek rIal iestyt kONsl vloN strYtf pRfprtI mflkF dy ihwqF dI numfieMdgI krn leI inXukq kIqf jFdf hY aqy iqMn ieMzstrI qoN bfhr dy mYNbr hn[ ieMzstrI dy mYNbr kONsl leI ielfkfeI afDfr `qy cuxy jFdy hn, aqy ienHF ielfikaF ivc iek jF ijLafdf rIal iestyt borz sLfml ho skdy hn[ sfQIaF vloN kONsl leI cuxy jfx vfly bhuqy sfry ieMzstrI mYNbrF ny pihlF borz `qy syvfvF idwqIaF huMdIaF hn, aqy borzF df mMqv afpxy mYNbrF dy ihwqF dI numfieMdgI krnf hY[ ies dy Ault, kONsl nUM lokF dy ihwqF dI rfKI krn df afdysL hY aqy Aus df iDafn KpqkfrF dI rfKI krn `qy hY[ sfzf ivcfr hY ik kONsl leI cuxy jfx vfly ieMzstrI dy kuJ mYNbr ho skdf ieh pUrI qrHF nf smJdy hox ik AunHF df rol kONsl dy lokF dy ihwqF dI rfKI krn dy afdysL nUM pUrf krnf hY nf ik afpxy sfQIaF jF lokl borz dy ihwqF nUM[ ies dy ielfvf, cuxy jfx vfly mYNbr jy dubfrf nhIN cuxy jFdy qF Auh isrP do sflF dI imafd leI hI kMm krdy hn[ do sflF df smF muhfrq ivksq krn, aqy rYgUlytr dy pRbMDkI borz dy mYNbr vjoN asrdfr qrIky nfl kMm krn leI kfPI smF nhIN hY[ kONsl `qy mukfblqn QoVHI imafd vfly ieMzstrI mYNbrF dI vwzI bhuigxqI kONsl dy aiDkfr Kyqr nUM axicqvy hI Gtf ky dyK skdI hY, sKq kfrvfeI dI loV vyly kMm clfAU bx skdI hY aqy srgrmI nfl inXmF dI pflxf krfAux dI bjfey asfvDfn ho skdI hY[ afeI ey jI ieh smJdf hY ik svY-inXmbwDqf vflI sMsQf vjoN kONsl nUM afpxf afdysL pUrf krn leI ieMzstrI muhfrq aqy qjrby dI loV hY[ iPr vI, asIN ieh XkIn krdy hF ik hux smF af igaf hY ik ieMzstrI dI afvfjL nUM inXmF dI pflxf krfAux dy hor pwKF aqy srkfr dy ibhqr amlF nfl sMqulq kIqf jfvy, aqy kONsl nUM clfAux dy borz `qy lokF df ijLafdf idRsLtIkox hovy[ afeI ey jI “nOn-ieMzstrI” kONsl mYNbr dI aijhI pirBfsLf df smrQn krdf hY ijs qoN Bfv Auh ivakqI hY ijhVf ies vyly inXmbwD ieMzstrI qoN afmdn nhIN lY irhf[ afeI ey jI kONsl dy mYNbrF leI do sflF dIaF nivafAuxXog imafdF dy hwk ivc vI hY ijs nfl kONsl Xog aqy kfbl mYNbrF nUM rwKx dy Xog bxdI hY[ afeI ey jI ieh vI isPfrsL krdf hY ik srkfr kONsl dIaF anusLfsnI kmytI ivc ieMzstrI qoN bfhrly ivakqIaF dI sLmUlIaq vDfAux leI aYkt ivc soD kry[ asIN agFh hor isPfrsL krdy hF ik ieMzstrI qoN bfhrly numfieMidaF nUM cuxn df kfrj ijLafdf pfrdrsLI hovy aqy ieh cMgy pRbMD dy sQfpq asUlF dI pflxf kry ijs ivc muhfrq afDfirq hunrF aqy qjrby dIaF asYWsmYNtF dI vrqoN vI sLfml hn[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 45

20. s rkfr lfiesMssLudf aqy gYr-lfiesMssLudf rIal iestyt syvfvF donF nUM iewko rYgUlytr, rIal iestyt kONsl dI ijLMmyvfrI bxfAux leI aYkt ivc soD krdI hY[ lfiesMssLudf aqy gYr-lfiesMssLudf srgrmIaF nUM iewko rYgUlytr dy aiDkfr Kyqr hyT rwKx nfl Aus rYgUlytr nUM rIal iestyt syvfvF dy pUry islisly leI ijLMmyvfr Tihrfeygf[ ies nfl rIal iestyt ibjLns dy pYdf ho rhy mfzlF df jvfb dyx leI rYgUlytr ijLafdf lYs hovygf ijs ivc lfiesMssLudf aqy gYr-lfiesMssLudf donoN iDrF sLfml huMdIaF hn[ ieh lokF aqy ieMzstrI nUM sMprk df iewko poafieMt aqy lokF leI iekrUp iswiKaf aqy jfgrUkqf pYdf krn vflI smrwQf pRdfn krygI[ suprientYnzYNt dy mukfbly, rIal iestyt kONsl kol rIal iestyt syvfvF `qy vwzf aiDkfr Kyqr hY aqy ies kol suprientYnzYNt aqy ies dy dPqr nfloN, inXm bxfAux dI smrwQf aqy kfrjkfrI KudmuKiqafrI aqy lcksLIlqf ijLafdf hY[ ies krky afeI ey jI ieh XkIn krdf hY ik rIal iestyt kONsl lfiesMssLudf aqy gYr-lfiesMssLudf rIal iestyt syvfvF dIaF srgrmIaF nUM inXmbwD krn leI ibhqr hflq ivc hY[ rIal iestyt kONsl kol lfiesMssLudf aqy gYr-lfiesMssLudf rIal iestyt syvfvF leI vwzy aiDkfr Kyqr dIaF ijLMmyvfrIaF nfl, afeI ey jI ieh isPfrsL krdf hY ik kONsl AuWpr suprientYnzYNt dI ingrfnI nUM mjLbUq kIqf jfvy (isPfrsL 21 dyKo)[ gYr-lfiesMssLudf srgrmI dy sMbMD ivc, afeI ey jI ieh not krdf hY ik “Pfr syl bfey Enr” srgrmI nUM kfnUMn hyT lfiesMisMg dIaF sLrqF qoN Cot hY aqy ies krky ieh suprientYnzYNt jF rIal iestyt kONsl vloN inXmbwD nhIN hY[ ieh Cot ies afDfr `qy mOjUd hY ik mflk afpxI pRfprtI lfiesMs dy ibnF ijs qrHF cfhux vycx dy Xog hoxy cfhIdy hn[ pr vwzy pwDrF `qy kIqIaF jfx vflIaF “Pfr syl bfey Enr” srgrmIaF KpqkfrF leI vwzy Kqry pYdf kr skdIaF hn[ ieh aijhI srgrmI hY ijhVI “holsyilMg” dy nF nfl jfxI jfx lwg peI hY[ kuJ kysF ivc, ies ivc keI pRfprtIaF KrIdx df kfrobfr krn vfly ivakqI sLfml huMdy hn ijhVy ik prcyj kOntrYkt agFh dy idMdy hn jF AunHF GrF nUM hornF dy rihx leI dubfrf vyc idMdy hn jF lIjL kr idMdy hn[ vD rhI rIal iestyt mfrkIt ivc mOkfpRsqI aqy ijLafdf mfqrf vflIaF “Pfr syl bfey Enr” dIaF kfrobfrI srgrmIaF KpqkfrF nUM Kqry ivc pf skdIaF hn ijhVf ik lsMsI `qy lfgU ingrfnI dIaF sLrqF nfl Gt jfxf sI, Audfhrx leI, Xogqf dIaF Gwto Gwt sLrqF, afpxy klfieMt dy ibhqr ihwq ivc kMm krn df PrjL aqy ihwqF dy tkrfa dy ZukvyN izsklojLr[ ies krky afeI ey jI isPfrsL krdf hY ik vwzI mfqrf ivc jF ibjLns dy mMqvF leI kIqIaF jfx vflIaF “Pfr syl bfey Enr” dIaF srgrmIaF `qy aYkt aDIn lfiesMisMg dIaF sLrqF lfgU hox[ spsLtqf leI, afeI ey jI ieh isPfrsL nhIN krdf ik mflk afpxI irhfiesL vfly Gr nUM vycx leI lfiesMisMg dIaF sLrqF pUrIaF kry[

21. s rkfr rIal iestyt kONsl AuWpr rIal iestyt dy suprientYnzYNt dI ingrfnI vDfAuNdI hY ijs ivc kONsl dI kfrgujLfrI bfry vkiPaF `qy afjLfd asYWsmYNtF krnf vI sLfml hY[ suprientYnzYNt dy dPqr kol rIal iestyt kONsl AuWpr ingrfnI rwKx dIaF qfkqF sImq hn ijnHF ny ies nUM msilaF df pqf lfAux jF ienHF df jvfb dyx leI lYs nhIN kIqf, ijs dy nqIjy vjoN afeI ey jI dI sQfpnf hoeI hY[

46 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

jy srkfr ieh ierfdf rwKdI hY ik suprientYnzYNt rIal iestyt kONsl nUM afdysL dI ingrfnI kry qF asIN isPfrsL krdy hF ik suprientYnzYNt dIaF qfkqF aqy kONsl nfl sMbMDF kfnUMn ivc vfDf kIqf jfvy, ijs ivc ieh sLfml hn: }} suprientYnzYNt nUM ieh qfkq dyxf ik Auh iksy Kfs mfmly ivc kONsl qoN pVqfl krn dI mMg kr sky; }} kONsl qoN ieh mMg krnf ik ijhVIaF PfielF ibnF iksy anusLfsnI kfrvfeI qoN bMd kr idwqIaF geIaF hn, AunHF `qy ivcfr krn leI Auh iek kmytI bxfey; }} kONsl qoN ieh mMg krnf ik Auh sihmqI afrzr (kOnsYNt afrzr) dIaF kfrvfeIaF dy ihwsy vjoN ijLafdf jfxkfrI sLfml kry, smyq pVqflIaF irportF dy, ijhVIaF PYsilaF bfry jfxkfrI dy skdIaF hn aqy suprientYnzYNt vloN apIl krn dy hwk pRdfn kr skdIaF hn; aqy }} kONsl qoN ieh mMg krnf ik Auh KqpkfrF leI pYdf ho rhy KqiraF, AunHF KqiraF dy jvfb, isLkfieqF dy zYty, pVqflF dy zYty aqy inXmF dI pflxf krvfey jfx dy zYty dy sMbMD ivc suprientYnzYNt nUM smyN smyN `qy aqy mMg krn `qy irportF pRdfn kry[ afeI ey jI ieh XkIn krdf hY ik ieh vfDU kdm rIal iestyt kONsl dI svY-inXmq aQfrtI nUM sMqulq krdy hn aqy ies dIaF qfkqF nUM mwuK qOr `qy afjLfd rwKdy hn pr ieh afpxy afdysL dy iKlfP kfrgujLfrI leI kONsl dI jvfbdyhI ivc vI suDfr krdy hn[ asIN ieh vI isPfrsL krdy hF ik suprientYnzYNt nUM ieh ieKiqafr idwqf jfvy ik Auh rIal iestyt kONsl qoN Aus dy afdysL nUM lfgU krn dI asrdfiekqf bfry smyN smyN isr afjLfd asYWsmYNtF dI mMg kr sky[ ienHF asYWsmYNtF dIaF Kfs sLrqF suprientYnzYNt vloN inrDfirq kIqIaF jfxIaF cfhIdIaF hn ijvyN Auh ies nUM TIk smJdf/smJdI hY, aqy ieh asYWsmYNtF rIal iestyt kONsl qoN afjLfd sRoqF vloN kIqIaF jfxIaF cfhIdIaF hn[ ienHF asYWsmYNtF dy nqIjy vjoN inklIaF irportF nUM jnqk kIqf jfxf cfhIdf hY[ asIN agFh hor vI isPfrsL krdy hF ik aijhI pihlI asYWsmYNt iek sfl qoN lY ky aTfrF mhIinaF dy smyN ivc hovy aqy ies nUM afeI ey jI dIaF isPfrsLF dy mukfbly qrwkI dI irport vjoN vriqaf jfvy[

22. r Ial iestyt kONsl mYnyijMg brokrF leI ienHF sLrqF nUM sKq krdI hY ik Auh lsMsIaF dI srgrm aqy iswDI ingrfnI krn[ afpxy lsMsIaF AuWpr brokr dI ingrfnI nUUM mjLbUq krn leI, afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl, brokryjF vloN rwKy gey lsMsIaF AuWpr mYnyijMg brokr dIaF ingrfnI dIaF vDfeIaF geIaF ijLMmyvfrIaF nUM lfgU kry[ inXmF dI pflxf krfAux dIaF sLrqF, nYiqk sLrqF aqy lokF nUM srivs dyx leI muhfrq dI sLrq dI ZukvIN pflxf nUM XkInI bxfAux leI lsMsIaF `qy shI ingrfnI jLrUrI hY[ ies irport ivc bhuq sfrIaF isPfrsLF sLfml hn ijhVIaF mYnyijMg brokrF nUM ingrfnI dy vwzy rol ivc rwKdIaF hn, ijs ivc aXog vrqfa dI irport krn dI mMg qoN lY ky tryz PfrmF ivc ihwwqF dy izsklojLr nUM pRvfngI dyx qoN lY ky aOPrF nUM sFBxf aqy irkfrz rwKx dIaF hor sLrqF sLfml hn[ afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl mYnyijMg brokrF vloN kIqI jfx vflI ingrfnI dI pRBfvkqf ivc suDfr krn dy qrIikaF dI pCfx kry aqy ienHF nUM lfgU kry, ijs ivc ingrfnI krn vfly pRqI mYnyijMg brokr ipwCy lsMsIaF dI vwD qoN vwD anupfq insLcq krnf vI sLfml hY[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 47

ijnHF hflqF ivc brokryj dy ZukvyNpx jF smrwQf awgy svflIaf icMnH hovy jF jnqf Kqry ivc hovy qF afeI ey jI ieh isPfrsL krdf hY ik srkfr sImq smyN leI brokryj dI ingrfnI (kstozIanisLp) sQfpq krn leI rIal iestyt kONsl nUM aiDkfr dyvy qF jo ijwQy mYnyijMg brokr afpxIaF ijLMmyvfrIaF inBfAux dy Xog nf hovy AuWQy ibjLns nUM ivDI muqfbk bMd jF qbdIl kIqf jf sky[ afeI ey jI ieh vI isPfrsL krdf hY ik kONsl ibjLns dy nvyN mfzlF dI GoK nfl pVcol kry qF jo ZukvyN kMtrol aqy lsMsIaF dI ingrfnI aqy lokF dI rwiKaf nUM XkInI bxfieaf jf sky[ AunHF hlfqF ivc ingrfnI leI ijLafdf KLbrdfrI jLrUrI hY ijwQy ibjLns dy nvyN mfzl sLfied ijLafdf rvfieqI mfzlF leI iqafr kIqy gey ingrfnI dy ZFcy ivc iPwt nf bYTdy hox[ ibjLns dy nvyN mfzl, mflkF, mYnyijMg brokrF aqy sMBfvI lsMsIaF dy vfDU PrjLF aqy ijLMmyvfrIaF dI loV pYdf kr skdy hn[

23. srkfr brokryj mflkI leI “iPwt aYNz prOpr” imafr nUM lfgU krdI hY[ brokryj dI mflkI, mYnyijMg brokrF aqy lsMsIaF dy siBafcfr aqy vqIry `qy asr pfAuNdI hY, aqy ies krky mflkI `qy ZukvyNpx dI asYWsmYNt aqy rIal iestyt kONsl dI pRvfngI lfgU hoxy cfhIdy hn[

24. r Ial iestyt kONsl irkfrz rwKx aqy irport krn dI mMg krdI hY ijhVf ieMzstrI dy AunHF amlF dI pCfx krn ivc ies dI mdd krygf ijhVy KpqkfrF nUM Kqry ivc pf skdy hn[ ies irport dIaF pihlIaF isPfrsLF ivc brokryjF leI irkfrz rwKx aqy irport krn dIaF nvINaF sLrqF dI pCfx kIqI geI sI, ijnHF ivc ieh vI sLfml hn: }} mYnyijMg brokr aXog vrqfa dIaF isLkfieqF `qy kfrvfeI dI irport krdy hn; }} tryz PfrmF ivc ihwqF dy izsklojLr nUM pRvfngI aqy kol rwKxf, aqy rIal iestyt kONsl nUM kfpIaF dyx dI sLrq; aqy }} iksy sOdy nfl sMbMiDq sfrIaF aOPrF nUM rwKxf[ ies dy ielfvf asIN isPfrsL krdy hF ik rIal iestyt kONsl lsMsIaF aqy brokryjF `qy ieh sLrq lfvy ik kloijMLg dy smyN dOrfn Auh sfrIaF kOntrYkt asfienmYNtF ijnHF ivc iksy lsMsI ny eyjMt vjoN ihwsf ilaf hY, jF koeI ihwq rwiKaf hY, lsMsI dy mYnyijMg brokr vloN pRfpq kIqIaF jfxIaF, ivcfrIaF jfxIaF aqy drj kIqIaF jfxIaF jLrUrI hn[ afeI ey jI isPfrsL krdf hY ik sfry irkfrz ies qrIky nfl rwKy jfx ik ieh mMgy jfx `qy POrn rYgUlytr nUM AuplbD krvfey jf skx, aqy Aupr ilKy irkfrz rwKx ivc PylH hoxf iek anusLfsnI jurm hovy[ afeI ey jI rIal iestyt kONsl nUM ieh AuqsLfh vI idMdf hY ik Auh aijhy hor zYty aqy irkfrzF dI pCfx kry ijhVy mfrIkt dIaF hflqF aqy lsMsIaF dy vqIry dI srgrmI nfl pCfx krn ivc mdd krygf ijhVy KpqkfrF leI sMBfvI Kqrf bxdy hn[

48 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

lsMsI aqy jnqk igafn

25. r Ial iestyt kONsl dfKly dy imafr vDfAux leI lfiesMsF leI pVHfeI aqy tYWstF dIaF sLrqF dI iek ivafpk pVcol sLurU kr rhI hY[ lokF nUM afs hY ik sfry lsMsI kfbl, BrosyXog huMdy hn aqy Auh hr vyly KpqkfrF dy ibhqr ihwqF ivc kMm krdy hn[ AunHF afsF nUM pUrIaF krn df rYgUlytr leI pihlf mOkf nvyN lsMsIaF leI dfKly dy imafr qih krnf huMdf hY[ vD rhI rIal iestyt mfrkIt ivc dfKly dy qkVy imafr hor vI ijLafdf mhwqvpUrn huMdy hn ikAuNik sMBfvI lsMsI, ieMzstrI pRqI lMby smyN dI vcnbwDqf pRgtfAux dI bjfey QoVHy smyN dy lfB lYxf cfhuMdy ho skdy hn[ afeI ey jI isPfrsL krdf hY ik rIal iestyt kONsl lfiesMs lYx leI pVHfeI dIaF sLrqF dI ivafpk pVcol kry qF jo ieh pwkf hovy ik lsMsI KpqkfrF pRqI afpxI ijLMmyvfrIaF nUM, inXmbwD ieMzstrI dy mYNbrF vjoN afpxIaF ijLMmyvfrIaF nUM pUrI qrHF smJdy hn aqy afpxIaF syvfvF dyx dy kfbl hn[ pVcol ivc jLbfn dI muhfrq aqy smJ dy rol nUM ivcfiraf jfxf jLrUrI hY[ aMgryjLI bhuq sfry ibRitsL kolMbIanF dI pihlI jLbfn nhIN hY aqy rIal iestyt ieMzstrI ny keI jLbfnF ivc srivs dy ky ies df huMgfrf Biraf hY[ iPr vI, bhuq sfry lsMsI afpxI pihlI jLbfn vjoN aMgryjLI nhIN boldy aqy klfieMtF nUM afpxIaF bhuqIaF syvfvF hor jLbfn ivc idMdy hn[ dUjy pfsy, rIal iestyt dI iswiKaf, inXmF bfry jfxkfrI aqy syD aqy stYNzrz Pfrm sfry aMgryjLI ivc idwqy jFdy hn[ ieh iek Kqrf pYdf krdf hY ik lsMsI dI pVHfeI aqy jfrI rihx vflI ilafkq `qy jLbfn dI muhfrq jF smJ df asr pvygf[ ieh iek aijhf Kqrf hY ijs nUM rYgUlytr axizwT nhIN kr skdf[

26. r Ial iestyt kONsl sfmwgrI aqy tYWstF nfl lgfqfr leI jfx vflI lfjLmI iswiKaf nUM lfgU krdI hY jo ik lsMsI dIaF nYiqk ijLMmyvfrIaF, vqIry dIaF sLrqF aqy KpqkfrF pRqI PrjLF nUM mjLbUq krdI hY[ nvyN lsMsIaF leI iswiKaf dIaF sLrqF nUM mjLbUq krn dy ielfvf, afeI ey jI isPfrsL krdf hY ik lsMsIaF qoN inXmF dIaF pflxf krn dIaF AumIdF nUM hr do sflF bfad inXmF bfry lfjLmI qfjLf jfxkfrI nfl qkVf kIqf jfvy ijhVf lsMsIaF nUM AunHF dIaF KpqkfrF pRqI muwK PrjLF aqy nYiqk ijLMmyvfrIaF bfry Xfd krfAuNdf hY[ asIN agFh hor vI isPfrsL krdy hF ik lsMsIaF `qy muhfrq afDfirq asYWsmYNt lfgU hovy ijhVI apzyt dI sfmwgrI nUM smJx aqy ies nUM lfgU krn dI AunHF dI smrwQf nUM pUrI qrHF tYWst krdI hovy[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 49

27. r Ial iestyt kONsl isLkfieqF sMbMDI afpxy kfrj nUM lokF leI ijLafdf phuMcXog aqy vrqxf sOKf bxfAuNdI hY[ afeI ey jI ieh smJdf hY ik rIal iestyt kONsl dy aiDkfr Kyqr dIaF sfry ingrfnF vFg sImfvF hn, ieh sbUq aqy qrjIh dy afDfr `qy PYsly krdI hY, aqy afpxy PrjL inBfAux vyly ies leI inrpwK iensfP dy asUlF dI pflxf krnf jLrUrI hY[ pr ingrfnF leI afpxIaF sImfvF aqy ijLMmyvfrIaF df KulHm-KulHy rihx aqy lokF dI phuMc ivc hox dI ijMLmyvfrI nfl sMquln kfiem rwKxf jLrUrI hY[ kONsl kol hor rYgUlytrF dy ibhqr amlF qoN iswKx dy mOky hn jo Auh lokF nfl juVx Kfqr suDfr krn leI aqy ieh pwkf krn leI vrq rhy hn ik isLkfieqF df kfrj KpqkfrF `qy byloVf boJ nf pfvy[ ies irport ivc hor ikDry, afeI ey jI ny ieh isPfrsL kIqI hY ik rIal iestyt kONsl AunHF PfielF nUM bMd krn dy PYsilaF dI pVcol krn leI iek kmytI bxfey ijnHF df nqIjf anusLfsnI kfrvfeI ivc nhIN inkilaf (isPfrsL 21 dyKo)[ afeI ey jI XkIn krdf hY ik ieh pwkf krn leI ieh iek mhwqvpUrn kdm hY ik isLkfieqF imlx `qy shI qrHF ivcfr kIqf jFdf hY aqy ijLafdf Kqry vflIaF PfielF dI pCfx kIqI jFdI hY aqy ienHF `qy kfrvfeI ivc qyjLI ilafeI jFdI hY[ ieh kmytI ieh pwkf krn leI vI cMgI hflq ivc hovygI ik ieh kfrvfeI KpqkfrF pRqI dosqfnf hY[ kmytI nUM PfielF bfry pUrI jfxkfrI lY ky PYsly krn dy Xog bxfAux leI aqy suprientYnzYNt nUM pUrI jfxkfrI lY ky ieh PYslf krn dy Xog bxfAux leI ik kI apIl krnI hY jF nhIN, afeI ey jI ny sihmqI afrzrF dI pfrdrsLqf ivc suDfr dI isPfrsL vI kIqI (isPfrsL 18 aqy 21 dyKo) [ ieh ijLafdf pfrdrsLqf anusLfsnI kfrvfeI aqy nqIijaF ivc lokF df Brosf bxfAux ivc vI shfeI hoxI cfhIdI hY[

28. r Ial iestyt kONsl lokF nUM iswiKaf dyx aqy jfgrUk krn dy afpxy XqnF ivc mhwqvpUrn vfDf krdI hY[ rIal iestyt kONsl nUM lokF dy Brosy ivc kmI df sfhmxf krnf ipaf hY[ ies Brosy nUM dubfrf hfsl krn leI XqnF aqy vsIilaF ivc mhwqvpUrn ienvYstmYNt krnI pvygI[ asIN isPfrsL krdy hF ik kONsl poRPYsLnl kimAunIkysLn aYzvfeIjLrjL rwKy jF aijhf vfDU stfP rwKy ijs kol KpqkfrF nUM isiKaf aqy igafn dyx df qjrbf hovy qF jo KpqkfrF dI iswiKaf aqy jfxkfrI ivc vfDf krn aqy lokF dy Brosy nUM muV ky kfiem krn leI iek ivafpk plYn iqafr aqy lfgU krn ivc mdd ho sky[ asIN ieh vI isPfrsL krdy hF ik kONsl KpqkfrF nUM smyN isr idwqIaF jfx vflIaF icqfvnIaF dI ijLafdf vrqoN kry, ijs nfl Kpqkfr lsMsIaF dy aXog vrqfa dI pCfx krn, ies qoN bcx aqy ies dI irport krn dy Xog hoxgy[

50 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

IX // agFh qurnf rIal iestyt kONsl ieh irvIAU krvfAux leI slfh dyx vfly afjLfd gruwp (ieMzIpYWnzYNt azvfeIjLrI gruwp) nUM swdf dyx leI, irvIAU dIaF sLrqF qih krn df pUrf aiDkfr dyx leI aqy sfrI kfrvfeI nUM lokF qwk phuMcfAux leI sihmq hox leI pRsMsf dI hwkdfr hY[ ies irport ivc sLfml isPfrsLF nUM lfgU krnf iek vwzf kMm hovygf[ ies leI smyN aqy vfDU vsIilaF dI loV pvygI[ ieh vI loV pvygI ik srkfr, suprientYnzYNt aOP rIal iestyt, rIal iestyt borz aqy ieMzstrI aYsosIeysLnF aqy lsMsI sfry jxy ienHF isPfrsLF aqy rIal iestyt kONsl dI lfgU krn dI Xojnf dI ihmfieq krn[ jy vwKo vwKry ihwsydfr sihXog nf dyx aqy qflmyl nf krn qF ieh Kqrf hY ik smwisafvF jfrI rihxgIaF aqy lokF dI shI qrHF rwiKaf nhIN hovygI[ rIal iestyt sYktr ivcly vwK vwK ihwsydfr aqy ies dy inXmF dI pflxf krvfAux vfly isstm dI ienHF mhIinaF ivc bhuq ijLafdf CfxbIx aqy alocnf hoeI hY aqy ieh kuJ alocnf dy hwkdfr hn[ agFh iDafn dyx aqy qbdIlIaF krn df smF af igaf hY ijs dy lok hwkdfr hn[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 51

X // aMiqkfvF aMiqkf 1: slfh dyx vfly afjLfd grwup dy mYNbr kYroiln rOjrjL (cyar) suprientYnzYNt aOP rIal iestyt aqy cIP iegjLYkitv aOPIsr, PfienYNsLl ieMstIicAUisLnjL kimsLn hovfrz kusLnr, bfirstr aqy soilstr, kusLnr lfa gruwp zOn rfeIt, pRYjLIzYNt aqy cIP iegjLYkitv aOPIsr, sYNtrl 1 krYizt XUnIan aOzrI tI. ho, kimsLnr, ibRitsL kolMbIaf sikAurtIjL kimsLn brUs zI. vUlI ikAU.sI., sitkmYn eIlIat kYrol gUrts, aYsosIeyt brokr, sYNcrI 21 vItc rIaYltI, krYstn, ibRitsL kolMbIaf tonI jIEvYNtU, aYgjLYkitv zfierYktr, kMzoimnIam hom EnrjL aYsosIeysLn aOP ibRitsL kolMbIaf rOn AusLr, jnrl kONsl, susfietI aOP notrIjL pbilk aOP ibRitsL kolMbIaf slfh dyx vfly afjLfd grwup dy mYNbrF dy jIvn bfry jfxkfrI iewQy dyKI jf skdI hY:

www.advisorygroupbc.ca

52 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

aMiqkf 2: afeI ey jI df Kyqr aqy sImfvF 22 PrvrI, 2016 nUM slfh dyx vfly afjLfd gruwp (afeI ey jI) dI sQfpnf kIqI geI sI aqy ies df mMqv rIal iestyt kONsl aOP ibRitsL kolMbIaf (afr eI sI bI sI) aqy suprientYnzYNt aOP rIal iestyt dy iDafn ivc ilaFdy gey mhwqvpUrn mfmilaF nUM ivcfr ky rIal iestyt lsMsIaF dy vqIry aqy amlF dI jFc krnf aqy lsMsIaF bfry mOjUdf inXmF dI asrdfiekqf df pqf lfAuxf sI[ slfh dyx vfly grwup nUM afdysL ieh pqf lfAuxf hY ik kI inXm lfgU krn vflf mOjUdf isstm KpqkfrF aqy rIal iestyt lsMsIaF dy vqIry qoN lokF dy vwzy ihwqF dI shI qrHF rwiKaf krdf hY ijhVf ik lsMsIaF dy loVINdy PLrjLF aqy vqIry dy imafrF dy ivprIq qF nhIN[ ieh AunHF qrIikaF dIaF isPfrsLF krygf ijhVIaF inXmF ivc aqy ibRitsL kolMbIaf ivc rIal iestyt lsMsIaF dI pRYkitsF ivc KpqkfrF dI rfKI nUM vDfAuxgIaF aqy lokF dy Brosy nUM mjLbUq krngIaF[ slfh dyx vfly gruwp ny Kyqr aqy sImfvF nUM pRvfn kIqf hY ijhVy ies dy kMm dy Kyqr aqy iDafn nUM spsLt krdy hn[ slfh dyx vflf gruwp ieh smJdf hY ik sUby dI rIal iestyt mfrkIt nfl sMbMiDq ibRitsL kolMbIanF dy hor mhwqvpUrn msly aqy iPkr vI hn ijhVy slfh dyx vfly gruwp dy afdysL aqy Kyqr qoN bfhr dy hn[ Auh msly ijnHF dI slfh dyx vflf gruwp pCfx krdf hY pr ijhVy gruwp dy kMm dy Kyqr qoN agFh dy hn, Auh ivcfry jfx aqy ZukvIN kfrvfeI leI sMbMiDq aiDkfrIaF nUM Byjy jfxgy[ afpxf afdysL inBfAux vyly, slfh dyx vflf gruwp:

1. AunHF msilaF dI jFc krygf ijhVy rIal iestyt lsMsIaF aqy AunHF dy sihXogIaF dy vqIry aqy pRYkitsF nfl sMbMiDq lokF dIaF qfjLf itwpxIaF ivc pCfxy gey sn ijhVy KpqkfrF aqy vwzy pwDr `qy lokF dy ihwqF leI KLqry pYdf krdy hn;

2. (1) ivc pCfxy gey lsMsIaF dy vqIry nfl sMbMiDq mOjUdf inXmF aqy sLrqF dI jFc krygf, smyq ijhVy ienHF nfl sMbMiDq hn:

}} }} }} }} }} }} }}

kOntrYkt asfienmYNts nfl; klfieMt dy ibhqr ihwq ivc kMm krn nfl aqy ilmitz izAUl eyjMsI dy rol nfl; eImfndfrI aqy vfjb iDafn aqy hunr nfl; ihwqF dy tkrfa nUM jLfhr krn aqy GtfAux nfl; lsMsIaF dIaF sfrIaF knUMnI ijLMmyvfrIaF dy pfbMd rihx dy PLrjL nfl; gumrfhkuMn iesLiqhfrbfjLI nfl; aqy dbfa pfAux vflIaF jF isLkfr bxfAux vflIaF syljL pRYkitsjL nfl;

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 53

3. vqIry, amlF aqy irvIAU dy ivsLy nfl sMbMiDq srgrmIaF bfry afeI ey jI, suprientYnzYNt aOP rIal iestyt aqy afr eI sI bI sI nUM imlI jfxkfrI aqy ilKqI ivcfrF dI jFc krygf;

4. KpqkfrF dI ibhqr rfKI krn leI lsMsIaF dy vqIry nfl sMbMiDq mOjUdf inXmF aqy sLrqF ivc loVINdy suDfrF dI isPfrsL krygf;

5. lsMsIaF leI inXm, sLrqF aqy pysLfvr imafr lfgU krn bfry jFc krygf, smyq ienHF dy: }} KpqkfrF nUM KqiraF dI pCfx krn aqy ies df jvfb dyx leI leI afr eI sI bI sI dy kfrj aqy qrIky; }} afr eI sI bI sI dI mfrkIt sUJ, pVqfl krn aqy qfmIl krvfAux dI smrwQf; }} afr eI sI bI sI dy kMm krn dy ZFcy; }} afr eI sI bI sI, rIal iestyt borzF, suprientYnzYNt aOP rIal iestyt, aqy hor sMsQfvF ivckfr sMprk ijhVy lsMsIaF dy vqIry dIaF sLrqF nUM lfgU krdy hn aqy sUby ivc rIal iestyt pRYkitsF dI ingrfnI krdy hn; }} pysLfvr vqIry aqy nYiqk nymF dI jfrI rihx vflI tryinMg aqy jvfbdyhI dI ivDI; aqy }} ieMzstrI dy vqIry aqy qfmIl `qy asr pfAux vfly hor AuWdm, Audfhrx leI, lsMsIaF aqy lokF nUM iswiKaf;

6. KpqkfrF dI ibhqr rfKI krn leI mOjUdf inXmF aqy sLrqF nUM sKqI nfl lfgU krn leI loVINdy suDfrF dI isPfrsL krygf;

7. afr eI sI bI sI qwk lokF dI phuMc aqy sLmUlIaq bfry jFc krygf; aqy 8. lokF aqy afr eI sI bI sI ivckfr sMbMDF nUM suDfrn aqy mjLbUq krn leI loVINdy suDfrF dI isPfrsL krygf[

slfh dyx vflf grwup ienHF ivcfrF ivc suDfr krky Auh mfmly sLfml krn df hwk rwKdf hY ijhVy bfad ivc pCfxy jFdy hn jF iDafn ivc ilafey jFdy hn, ijhVy mfmly gruwp dy smwucy afdysL ivc sUq bYTdy hn[

54 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

aMiqkf 3: aYkt aDIn sQfpq kIqIaF geIaF hor rIal iestyt kfrporysLnF rIal iestyt PfAuNzysLn

aYkt vloN rIal iestyt PfAuNzysLn dI sQfpnf pVHfeI, Koj aqy ienHF nfl sMbMiDq srgrmIaF dy Kfs mMqv pUry krn leI kIqI geI hY ijs df tIcf rIal iestyt srivisjL ieMzstrI ivc lgfqfr suDfr aqy ivkfs krnf hY[ PfAuNzysLn nUM PMz muwK qOr `qy kONsl dy pRbMDkI aqy anusLfsnI jurmfinaF dy akfAUNt qoN jF brokyryjF dI qrPoN trwst akfAUNtF `qy kmfey gey ivafj qoN imldy hn[ PfAuNzysLn df iek borz aOP gvrnrjL vloN dyiKaf jFdf hY ijs ivc swq qwk mYNbr huMdy hn[ rIal iestyt kONsl aOP bI sI, ibRitsL kolMbIaf rIal iestyt aYsosIeysLn aqy rIal iestyt ieMstIicAUt aOP ibRitsL kolMbIaf iek iek mYNbr inXukq krdy hn[ iek mYNbr ivwq mMqrI vloN inXukq kIqf jFdf hY jo ik lsMsI nhIN huMdf, iek jF do mYNbr rYgUlysLn dy muqfbk inXukq kIqy jFdy hn, iek mYNbr ivwq mMqrI jF mMqrI vloN inXukq kIqf igaf koeI hor ivakqI vI ho skdf hY[ rIal iestyt aYrrjL aYNz EimsLnjL iensLorYNs kfrporysLn

rIal iestyt aYrrjL aYNz EimsLnjL iensLorYNs kfrporysLn, rIal iestyt aYrrjL aYNz EimsLnjL iensLorYNs PMz (PMz) dI ingrfnI krdI hY, jo ik iek sFJf PMz hY ijs dI vrqoN lsMsIaF dy ivrwuD pysLfvr ijLMmyvfrI dy klymF dI pYrvI krn aqy hrjfinaF dy Krcy dyx leI kIqI jFdI hY[ aijhy klym ieh sfbq hox qoN bfad pYdf huMdy hn ik iksy lsMsI ny rIal iestyt syvfvF dIaF sLrqF dIaF lfprvfhI vflIaF glqIaF jF axgihlIaF kIqIaF hn[ aYkt ieh mMg krdf hY ik sfry rIal iestyt lsMsI pRogrfm ivc ihwsf lYx aqy pihlI vfrI lfiesMs jfrI hox dy smyN aqy hr do sflF bfad lfiesMs nivafey jfx vyly PMz dIaF PIsF dyx[ rIal iestyt kMpnsysLn PMz kfrporysLn

rIal iestyt kMpnsysLn PMz kfrporysLn, rIal iestyt kMpnsysLn PMz leI ijLMmyvfr hY[ ieh PMz 2005 ivc sLurU kIqf igaf sI aqy ies df mMqv AunHF lokF dI rwiKaf krnf hY ijnHF nUM aYkt ivc dwsy gey muqfbk mfiek nuksfn Jwlxf ipaf hY[ aijhy nuksfn AunHF hflqF ivc pYdf huMdy hn ijwQy iksy brokryj nfl sMbMiDq rIal iestyt lsMsI jF bylsMsy ivakqI nUM trwst ivc jmHF krvfAux leI idwqy gey pYisaF df gLbn huMdf hY jF glq qrIky nfl vrqy jFdy hn, ijwQy iksy akfAUNt ivc pYsy dyx ivc jF pYisaF df ihsfb lfAux ivc AukfeI huMdI hY jF rIal iestyt srivisjL dIaF sLrqF dy sMbMD ivc pYsy iksy Pfrz nfl ley gey hn[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 55

aMiqkf 4: ibRitsL kolMbIaf ivcly rIal iestyt borz bI sI nOrdrn rIal iestyt borz BC NORTHERN REAL ESTATE BOARD

iclIvYk aYNz izstirkt rIal iestyt borz CHILLIWACK AND DISTRICT REAL ESTATE BOARD

2609 Queensway Prince George, B.C. V2L 1N3

1 – 8433 Harvard Place Chilliwack, B.C. V2P 7Z5

PryjLr vYlI rIal iestyt borz FRASER VALLEY REAL ESTATE BOARD

kYmlUps aYNz izstirkt rIal iestyt borz KAMLOOPS AND DISTRICT REAL ESTATE ASSOCIATION

15463 – 104th Avenue Surrey, B.C. V3R 1N9

101 – 418 St. Paul Street Kamloops, B.C. V2C 2J6

kUtny rIal iestyt borz KOOTENAY REAL ESTATE BOARD

Eknafgn mynlfeIn rIal iestyt borz OKANAGAN MAINLINE REAL ESTATE BOARD

208 – 402 Baker Street Nelson, B.C. V1L 4H8

112 – 140 Commercial Drive Kelowna, B.C. V1X 7X6

pOvl rIal snsLfeIn kost rIal iestyt borz POWELL RIVER SUNSHINE COAST REAL ESTATE BOARD

rIal iestyt borz aOP grytr vYnkUvr REAL ESTATE BOARD OF GREATER VANCOUVER

PO Box 307 Powell River, B.C. V8A 5C2

2433 Spruce Street Vancouver, B.C. V6H 4C8

sfAUQ Eknafgn rIal iestyt borz SOUTH OKANAGAN REAL ESTATE BOARD

vYnkUvr afeIlYNz rIal iestyt borz VANCOUVER ISLAND REAL ESTATE BOARD

101 – 365 Van Horne Street Penticton, B.C. V2A 8S4

6374 Metral Drive Nanaimo, B.C. V9T 2L8

ivktorIaf rIal iestyt borz VICTORIA REAL ESTATE BOARD

3035 Nanaimo Street Victoria, B.C. V8T 4W2

56 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

aMiqkf 5: isLkfieqF nfl ikvyN iswiJaf jFdf hY

kdm 1

kdm 2

kdm 3

ilKqI isLkfieq imldI hY

isLkfieq dI pVcol

kmplfieMs tIm muZlI pVqfl krdI hY aqy ienHF iqMnF coxF ivwcoN iksy iek dI isPfrsL krdI hY:

pRbMDkI jurmfny kuJ Kfs mfmUlI avwigafvF df nqIjf 250 zflr qoN lY ky 1000 zflr qwk dy gYr-anusLfsnI jurmfinaF ivc inkl skdf hY[

kdm 4

kdm 5

kdm 6

slfh dI icwTI gYr-anusLfsnI icwTI ijhVI pysLfvr vqIry nfl sMbMiDq iPkrF aqy AumIdF bfry dwsdI hY[

pUrI pVqfl isLkfieq PfielF bMd krnf iek kmplfieMs aPsr sfrI ZukvIN jfxkfrI iekwTI krdf pRbMDkI stfP vloN bMd kIqIaF jf skdIaF hn jy ieh kONsl hY aqy pVqfl dI irport dy aiDkfr Kyqr ivc nf hox, iqafr krdf hY[ ies kdm mfmly df hwl ho igaf hovy jF ivc afhmo sfhmxy sbUq AuplbD nf hox ieMtrivAUaF aqy hor keI kuJ sLfml ho skdf hY[

isLkfieq kmytI kONsl dI pVqfl aqy lsMsI dy jvfb dy nqIijaF `qy ivcfr krdI hY

pRbMDkI qOr `qy bMd hoxf Auprly kfrnF krky jF jy pVqfl nfkfPI sbUq sfhmxy ilafAuNdI hovy qF isLkfieqF pRbMDkI stfP vloN bMd kIqIaF jf skdIaF hn[

suxvfeI dI isPfrsL anusLfsnI suxvfeIaF leI isPfrsL kIqIaF geIaF isLkfieqF irvIAU aqy cfrijjL leI lIgl kONsl nUM ByjIaF jFdIaF hn[

Pfiel bMd jy aXog vrqfa dI koeI insLfnI nf hovy qF isLkfieq kmytI Pfiel bMd kr skdI hY[

anusLfsnI kmytI: anusLfsnI kmytI suxvfeIaF krdI hY aqy sihmqI afrzr dIaF qjvIjLF bfry ivcfr krdI hY[ sMBfvI jurmfinaF ivc sLfml hn: qfVnf, jurmfny, Aupfa leI iswiKaf, aqy lfiesMs `qy pfbMdIaF, sspYnsLn jF kYNslysLn[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 57

XI // isPLfrsLF dI ilst pfrdrsLqf aqy nYiqk nym

2. rIal iestyt kONsl afpxy inXmF ivc qbdIlI krky lsMsIaF nUM hux izAUl eyjMsI ivc syvfvF dyx ivc lsMsIaF nUM sLfml hox dI afigaf nhIN idMdI[

3. rIal iestyt kONsl lsMsIaF qoN mMg krdI hY ik iksy klfieMt nfl kMm krnf sLurU krn qoN pihlF Auh afpxy ivwqI (PfienYNsLl) aqy gYr-ivwqI PfieidaF nUM pUrI qrHF jLfhr krn aqy ies df vyrvf dyx[

5. rIal iestyt kONsl lsMsIaF vloN vrqy jFdy PfrmF aqy kOntrYktF `qy ijLafdf iDafn idMdI hY qF jo ieh pwkf hovy ik Auh KpqkfrF dI rwiKaf aqy lokF dy ihwqF `qy ZukvF jLor idMdy hn[

8. rIal iestyt kONsl afpxy inXmF ivc soD krky lsMsI nUM afpxI ilsitMg ivc iswDf jF aiswDf ihwq rwKx qoN mnfhI krdI hY[

58 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]

hukm dI pflxf aqy iswty

10. rIal iestyt kONsl sMBfvI lsMsIaF leI Xogqf dI ijLafdf sKLq asYWsmYNt ksOtI lfgU krdI hY[

15. rIal iestyt kONsl afpxy brokryj aOizitMg poRgrfm ivc lsMsI dy vqIry dI jFc `qy iDafn vDfAuNdI hY[

16. srkfr rIal iestyt kONsl kol AuplbD anusfsLnI jurmfinaF dI vwD qoN vwD hwd ivc vfDf krdI hY jo ik hux iksy lsMsI dy glq vrqfa leI 250,000 zflr aqy brokryj dy glq vrqfa leI 500,000 zflr hY aqy pRbMDkI jurmfny vD ky vwD qoN vwD 50,000 zflr ho gey hn[

17. srkfr, rIal iestyt kONsl nUM lsMsIaF aqy brokryj qoN glq vrqfa nfl kIqI geI afmdnI vfps kZfAux dy Xog bxfAux leI aYkt ivc soD krdI hY[

18. rIal iestyt kONsl afpxIaF isLkfieqF aqy anusfsLnI kfrj dI aqy inklx vfilaF nqIijaF dI pfrdrsLqf ivc suDfr krdI hY[

REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi] // 59

kMtrol aqy ZFcf

19. srkfr ieh afigaf dyx leI aYkt ivc soD krdI hY ik kONsl dy 50% mYNbr ieMzstrI qoN bfhr dy hoxgy[

20. srkfr lfiesMssLudf aqy gYr-lfiesMssLudf rIal iestyt syvfvF donF nUM iewko ingrfn (rYgUlytr) rIal iestyt kONsl dI ijLMmyvfrI bxfAux leI aYkt ivc soD krdI hY[

21. srkfr rIal iestyt kONsl AuWpr rIal iestyt dy suprientYnzYNt dI ingrfnI vDfAuNdI hY ijs ivc kONsl dI kfrgujLfrI bfry vkiPaF `qy afjLfd asYWsmYNtF krnf vI sLfml hY[

22. rIal iestyt kONsl mYnyijMg brokrF leI ienHF sLrqF nUM sKq krdI hY ik Auh lsMsIaF dI srgrm aqy iswDI ingrfnI krn[

23. srkfr brokryj mflkI leI “iPwt aYNz prOpr” imafr nUM lfgU krdI hY[ 24. rIal iestyt kONsl irkfrz rwKx aqy irport krn dI mMg krdI hY ijhVf ieMzstrI dy AunHF amlF dI pCfx krn ivc ies dI mdd krygf ijhVy KpqkfrF nUM Kqry ivc pf skdy hn[ lsMsI aqy jnqk igafn

25. rIal iestyt kONsl dfKly dy imafr vDfAux leI lfiesMsF leI pVHfeI aqy tYWstF dIaF sLrqF dI iek ivafpk pVcol sLurU kr rhI hY[

26. rIal iestyt kONsl sfmwgrI aqy tYWstF nfl lgfqfr leI jfx vflI lfjLmI iswiKaf nUM lfgU krdI hY jo ik lsMsI dIaF nYiqk ijLMmyvfrIaF, vqIry dIaF sLrqF aqy KpqkfrF pRqI PrjLF nUM mjLbUq krdI hY[

27. rIal iestyt kONsl isLkfieqF sMbMDI afpxy kfrj nUM lokF leI ijLafdf phuMcXog aqy vrqxf sOKf bxfAuNdI hY[

28. rIal iestyt kONsl lokF nUM iswiKaf dyx aqy jfgrUk krn dy afpxy XqnF ivc mhwqvpUrn vfDf krdI hY[

60 // REPORT OF THE INDEPENDENT ADVISORY GROUP // On Conduct and Practices in the Real Estate Industry in British Columbia [Punjabi]