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I

Views: 1054

Answers: 1

How is the home insurance premium determined?

Jessica Li Sales Rep

There are many factors that impact the premium, some noticeable ones are: ⦁ Address - if your neighbourhood has a higher number of burglaries, you may pay more premium; distance to a fire hydrant and a fire station also counts ⦁ Replacement cost - the size, number of stories, composition of your home, furnished basements, number of garages, etc. ⦁ Roofing - a recently replaced roof with better material is more likely to withstand the harm of weather ⦁ Heating - newer forced-air gas furnaces and electric heat are far safer than oil furnaces and wood stoves ⦁ Other - do you have a swimming pool and/or a hot tub? Do you have sewer back-up prevention measures?

2018-07-04 20:42:02

D

Views: 1054

Answers: 1

申请房屋贷款需要准备哪些文件?

Betty Betty Zheng Broker

购买房屋贷款需要准备的文件大约分三个部分,房屋材料,工作等个人材料以及首付材料。 房屋材料主要是说房屋购买合同,如果是买新房,需要和开发商签的厚厚的合同。 工作材料是银行审核最细的部分,如果你是某个公司的全职雇员,一般必须要有的是: 1. 工作信,公司抬头纸,注明公司名称,地址,电话,传真,写明申请人的全名,是否全职,在本公司开始工作的时间,职务,工资。 2. 工资存根,公司给的工资单。 有的银行还会要求提供过去的T4或者税局的税单评估通知。 除了工作材料外,还需要一些个人材料例如照片等以及一些个人信息。(来源:居外课堂)

2018-07-04 21:59:10

D

Views: 1053

Answers: 1

Does a higher credit score mean a better mortgage rate?

Betty Betty Zheng Broker

Your credit score is a measure of your financial health. The credit-reporting agencies Equifax and TransUnion use a scale from 300 to 900. High scores on this scale are good. The higher your score, the lower the risk for the lender. Thus, a higher rating will typically secure a better mortgage rate, since you’re considered to be more likely to make your scheduled payments. If you have a poor rating, do some damage control before you apply for your mortgage.

2018-07-04 21:50:13

F

Views: 1053

Answers: 1

How can I reduce my home insurance premium?

Jessica Li Sales Rep

Discounts are offered to homes with improved security. You can install a home security system and/or a fire/smoke alarm connected to central station. You can also lower the premium by choosing a higher deductible. Some insurers provide a claim-free discount if you do not make a claim in a set period of time (usually 12 months or more).

2018-07-04 20:44:14

D

Views: 1052

Answers: 0

在加拿大买房的流程是什么?

No Answer Currently

F

Views: 1052

Answers: 1

多伦多投资商铺大概需要多少预算?

Faith J Broker

商铺是风险游轮。如果加盟酒店几十万到几百万都是可能的,甚至几千万的大型商铺。

2018-07-04 20:25:46

H

Views: 1047

Answers: 1

When I sell my investment property, how do I report the tax?

Betty Betty Zheng Broker

The net profit is treated as a capital gain, therefore 50% of the net profit will be taxed at your marginal tax rate.

2018-07-24 20:51:47

D

Views: 1046

Answers: 1

What is the condominium ownership?

Adam wang Sales Rep

It has separate ownership and title for your home and the common elements.

2018-07-05 02:49:05

D

Views: 1046

Answers: 1

How does mortgage loan insurance work?

Jessica Li Sales Rep

There is a common misconception that mortgage loan insurance protects the borrower. This is not the case. Mortgage loan insurance is there to protect the lender against default in payments by the homebuyer. If the buyer has a down payment of less than 20% of the purchase price, the lender will purchase default insurance and pass that cost on to the borrower. This can be paid up front, or tacked on to the mortgage payments and stretched out over time. Mortgage loan insurance is offered by companies like Canada Mortgage and Housing Corp., Genworth Financial Canada, Canada Guaranty, or another approved private insurer.

2018-07-04 20:34:59

D

Views: 1044

Answers: 1

在加拿大买房需要支付押金吗?

Adam wang Sales Rep

买房押金:一般为房屋价格的5%,此项金额要在合同谈好后的24小时内交纳,并会在成交日时成为首付款的一部分。(来源:居外课堂)

2018-07-05 02:24:47

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