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Tag: Affordable Housing

How Is It Beneficial For You To Become A Landlord?

Your children leave the nest to go to university all of a sudden, you have to rent a room or space in the basement. This seems to be an easy way to make money, but consider the following factors before making a decision.

Find tenants

Your rooms are cleaned and the time has come to find tenants. If you rent a space in the basement, consider placing ads in neighborhood grocery stores or on campus. Ad sites like Craigslist or online online forums are places increasingly popular view rental ads. Do not forget to indicate if you agree or if the animals are allowed to smoke.

When you have requests, take the time to identify suitable candidates. As an owner, you can ask questions on income and employment, but you can not ask about ethnicity, religion or sexual orientation, or whether potential tenant is unmarried, divorced or married. Ask for references to learn more about their personalities and habits.

What are the landlord’s responsibilities?

The owner must ensure that space does not pose a danger to the tenant, whether to make emergency repairs or take the time to do normal repairs.

The bad tenants are part of the risk of being a landlord. When problems are related to rent, the landlord can evict the tenant with the help of the Committee on provincial or territorial housing. The owner must follow the procedure in place before evicting a tenant.

How rental income affect your tax

Depending on your situation, you may need to include your rental income when you file your income tax return.

If you rent a room to someone and share the cost of living expenses and that you do not intend to make a profit, you do not need to report this income when you file your returns. However, if you intend to use this space in order to make a profit, you will need to include this information on your tax returns. If the rented space requires a loss or expenses, you will find a list of eligible expenses according to the Canada Revenue Agency you must also include this information when preparing your return.

Identify whether the benefit is a rental income or business income. If you provide basic services such as lighting, electricity and water, it is a rental income. If you provide meals, cleaning and ensure the safety of your tenants, it could be business income.

“Is It Beneficial For You To Become A Landlord?” is an English translation of a French article as bellow:



Est-il avantageux pour vous de devenir locateur? (via ImpotRapide)

Vos enfants quittent le nid pour aller étudier à l’université tout d’un coup, vous avez une chambre à louer ou de l’espace au sous-sol. Cela semble être un moyen facile de faire de l’argent, mais tenez compte des facteurs suivants avant de prendre une décision. Trouver des locataires…

(continue reading…)


Tips For Boosting Affordability! How Much Mortgage Can I Afford?

Getting lower mortgage rates mean great saving but increased affordability is what attracts more homebuyers. Anyhow, there are few more ways available to first-time homebuyers that offer affordable housing along with financial tactics that increases our savings to the point where we feel comfortable. Here are some time-tested strategies to consider in the light of our updated present economical situation to further increase mortgage affordability:

Pre-Qualification! Know What You Can Afford

The first thing I recommend to all homebuyers to find a mortgage broker and get pre-qualified or pre-approved for a mortgage. A mortgage pre-approval helps you establish a price range and the maximum mortgage you can reasonably afford. There are many lenders who offer pre-approving facility to their potential borrowers for a mortgage to lock-in a rate for up to 120 days.

Fixed-Rate Mortgages! Fix The Rate For A Longer Term You Afford

Consider locking in your rate for a longer period of time! If you’re uneasy about fluctuating interest rates and your ability to meet any increases, then a fixed-rate mortgage could be an ideal fit. Many lenders are open to longer fixed terms that may be up to 10 years in some cases.

Down Payment! Pay Maximum You Can Afford

Increased affordability comes from increasing the size of your down payment that results a lower monthly payment. A common way for first time buyers to come up with more cash for a down payment is to make use of the federal Home Buyers’ Plan. With this Plan, you can now withdraw more than before which is up to $25,000 each from a RRSP (registered retirement savings plan) without tax penalty to buy or build a qualifying home. Also, many lenders allow the down payment to come from a properly documented gift, and a borrowed down payment may be possible for some borrowers.

Debt Restructuring! Revisiting Your Current Debts

Your total debt service ratio (TDS) is what your lender will look at while considering your mortgage application to see how much of your total income is going towards various types of consumer loans, including your personal loans, credit cards, charge cards, child support, car loans and other. To increase your affordability and success that your TDS ratio is acceptable to prospective lenders, your mortgage broker can advise on restructuring your current debt (by increasing the amortization and lowering payments on your consumer loans like car loan, etc.,).

You could get more valuable advice and practical tips to boost affordability specific to your own situation by your mortgage professional. However, first-time homebuyers need to be very careful when finding a mortgage that is several times their income. If you lose your job or get into financial difficulty, you could easily miss mortgage payments and lose your home. It is vital you are borrowing no more than you can afford to spend each month. Although present real estate market and its soft home prices along with the low interest rates have been making affordable house plans to further enhance mortgage loan market about which economists believe interest rates will stay at its lowest position for the next two years or so but you should not treat this as a guarantee.


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