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E

Views: 1219

Answers: 1

What is Guaranteed Replacement Cost?

Jessica Li Sales Rep

Guaranteed Replacement Cost coverage means that if anything happens to your home, the full cost to replace it (including construction costs) will be covered. For example: if your home is insured for $300,000 and there is a fire that destroys your entire home and costs $350,000 to rebuilt it, you won't have to pay the difference out of your own pocket.

2018-07-04 20:38:39

E

Views: 1218

Answers: 1

What does home insurance cover?

Jessica Li Sales Rep

Your home insurance mainly covers your property and its contents. If you own a house, then your insurance will generally cover: ⦁ The building itself ⦁ The trees and shrubs located outdoors on the premises ⦁ Detached Structures on the premises, like a garage or shed ⦁ Your own personal property, like furniture, electronics, computers, clothing, kitchenware, jewellery and art ⦁ Additional living expenses if you need to relocate temporarily after making a claim ⦁ The loss of any rental income after making a claim, if applicable.

2018-07-04 20:41:11

D

Views: 1217

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

H

Views: 1216

Answers: 1

在多伦多决定是否买房的五个重要的因素是什么?

Jessica Li Sales Rep

有“专家”说加拿大房价太高,地产泡沫就要破裂;央行行长警告加拿大人负债太高;有数据显示通胀率已经达到3.7%,加息在即,楼市必跌。。。对于首次置业的潜在消费者来说,该不该买房,尤其是该不该现在买房,成了一件头痛的事。“专家”早在2009年就预测加拿大地产将步美国的后尘——至少跌价一半,信以为真的人等到现在也没有看到房价下跌。消费者无法控制房价和利率,该不该买房,要看自己的情况,而不是新闻,或传闻。最近,《环球时报》载文分析了决定是否买房的六个因素,如果符合这些要素,那就是该打电话给地产经纪。 一、是否已经做好准备承担责任。有了稳定的收入之后,决定是否要承担责任是最重要问题。这些责任包括:支付地税、维护和保养房屋、偿付按揭贷款,和在一定时间内稳定地居住;首付款、律师费、过户费、搬家费、装修费、电器和家具开支已经有了着落;工作和居住地点近期不会发生变化。这些心理和财务上的准备继续,才可以考虑买房问题。对于华人移民来说,是否在加拿大长住,以及何时把子女的教育转到加拿大,是决定是否现在就承担房主责任的决定因素。 二、如果买房后的每月开支小于每月租房的费用,则可以考虑买房。贷款买房后的家庭开支包括:贷款利息支出+地税+(管理费)+水电煤气等项开支。按照目前的浮动利率水平计算,即使是将还款期设为最长的30年,月供款中利息支出的比例也小于50%,即,如果月供款是1000,则利息少于500。在2009年加拿大房产价格短期内大幅下降12%的时候,央行利率降至历史最低点0.25%,很多消费者发现买房比租房开支少很多,聪明的买家马上采取行动,而不是等待“专家”预测的奇迹(房价再将一半)出现,加拿大地产市场立刻恢复了生机。很多人认为加拿大地产市场有泡沫,但笔者始终认为,如果是需求推动的价格上涨就不是泡沫。有人把按揭贷款的全款都算作是家庭开支,其实不然,归还的本金部分,只是把现金资产变成了房屋权益(home equity),而不是开支。 三、买方市场还是卖方市场是决定是否买房的重要因素。如果市场上买房需求旺盛,挂牌交易的房产很快售出,这说明是卖方市场,买家没有多少讨价还价的机会。如果是房屋供应量较大,市场消化现有房源的速度较慢,则说明这是个买方市场,买家有机会与卖家杀价,有时会拿到很大折扣。通常情况下,冬天和夏天市场较清淡,市场不够活跃,有利于买家;而春秋季节交易频繁,有利于卖家。利率上涨时,购买力减弱,市场上房屋供应量供过于求,通常出现买方市场;利率下跌时,刺激消费,需求大于供给,容易形成卖方市场。又准备的买家要伺机而动,才能拿到好的交易。 四、低利率是买房的最佳时机。低利率的情况下,同样的收入,贷款金额会增加,因此,买家的选择余地较大。2009年房屋价格下跌的同时,利率降到了历史最低点,有稳定收入的消费者发现自己可以选择的房产触手可及,于是纷纷入市,从此加拿大的地产市场出现了转机。低利率,也意味着拥有房产的成本降低,22万元的贷款本金,年利率4.2%与4.5%之间,在30年内利息支出相差1.4万元。 五、足够的首付款。除了贷款之外,购房者至少要付5%的首付款。对于银行来说,首付款比例越高,贷款越安全;对于买房者来说,首付款其实是一笔投资款。投资越多,借贷越少,投资越少,投资收益的杠杆比例越大。如果首付比例低于20%房价,银行会认为贷款风险太大而要求借款人购买贷款违约保险。如果购房者首付比例太大,则家庭流动资产比例会减少,投资收益的利润率会缩水,但贷款成本/利息支出会减少。总之,首付款的多少要看消费者的风险偏好,有人5%首付就敢买房,有人50%首付的情况下还犹豫不决。笔者认为,在可控的风险下,只有首付加贷款额度足够买房时,最好早买。 如果以上五个因素同时具备,那是最好的情况。购房者心理和财务的准备是最重要的,宏观经济情况和房屋市场价格的波动可以作为参考。没有做好承担责任的准备就买房,是最大的风险。单单从利率水平上看,目前的通胀3.7%,高于1至3年的固定利率和5年期浮动利率水平,也可以说,在考虑通胀因素的情况下,部分期限的按揭贷款利率的实际水平是负利率。至于地产泡沫一说,笔者认为是没有根据的,看看我们身边的人,是买房自住的人多还是投资甚至是投机的人多就知道了。加拿大政府从2009年以来一直在收紧按揭贷款政策,尤其是对地产投资的融资政策。地产市场交投活跃,主要原因还是自住房的需求,以及低利率政策。 (来源:加拿大地产资讯)

2018-07-04 21:05:48

D

Views: 1216

Answers: 0

在加拿大买房的流程是什么?

No Answer Currently

D

Views: 1214

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

H

Views: 1211

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: 1211

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: 1210

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

C

Views: 1206

Answers: 1

How to prevent a fire?

Adam wang Sales Rep

One of the best ways to prevent a fire is to make sure that your smoke detectors are working properly. In fact, in 75% of fatal fires, smoke detectors were either not installed or not working properly.

2018-07-05 02:38:35

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