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Tag: Home Ownership

How To Learn The Total Costs Of Homeownership? FCAC Explained

How To Learn The Total Costs Of Home Ownership? Mortgage Cost Canada An OverviewWhen it comes to determine costs associated with homeownership, you’re mostly got an impression about how much your monthly mortgage payment will be when you take out a mortgage to buy a home. However, there are some hidden costs of homeownership that will add up in your monthly cost soon in the process. How much does it cost to own a house? Buying a home is an expensive that require you to find out your affordability, and or creditworthiness prior to taking out the mortgage loan. Here in this article you will find; how to learn the total costs of home ownership? Following is an overview on taking out and determine the true cost associated with the mortgage to buy a home in Canada, especially selected from Financial Consumer Agency of Canada that will help you in learning about the total costs associated to become a home owner; it’s brief and to the point:

Half of Canadians who plan to purchase a home think they will only need to cover the down payment to move in. The “closing costs” however, can add as much as another four percent of the total purchase price of the home

Closing costs can include:

  • legal or notary fees
  • land registration fees
  • municipal levies
  • surveys
  • appraisal fees
  • home inspection fees
  • utility hook-ups
  • title insurance
  • property tax and utility adjustments.

Additionally, if your down payment is less than 20 percent of the price, you will have to pay for mortgage default insurance plus the provincial sales tax charged on it.

For a $300,000 home, closing costs could range from $4,500 to $12,000. Other up-front payments that may be required include moving expenses and the real estate costs for selling your old home. Even redirecting your mail is an added expense.

A complete guide to the finances of home-buying is available on the website of the Financial Consumer Agency of Canada at ItPaysToKnow.gc.ca.

Source: Financial Consumer Agency of Canada (FCAC)
Date modified: 2015-06-30

How to save thousands of dollars in home financeing? There are various factors that can save you, where your real and total costs associated with your home ownership will determine your real savings, you may please consult your mortgage consultant to find one best deal for you. For more information and updates on “total costs of homeownership”, you may please go directly to the official website of Financial Consumer Agency of Canada (FCAC).

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Great Saving For The First Time Home buyers

Are you ready to buy a home?

Buying a home is exciting but stressful task that most of the people have to gone through at least once in the lifetime. Before making decision to buy a home, this is your responsibility to look into your pocket and the market both because your smooth financial life depends on the right time and your affordability. Are you financially ready to take advantage of this right time to get a title as a home ownership?

Thinking of buying your first home now that rates have gone down? Good news for those getting into the real estate market. The federal budget introduced earlier this year contains new incentives to help first-time home buyers.

  • Closing costs can be a sizable expense when buying a property, and the budget also provides up to $750 in tax relief to help with the purchase of a first home.
  • Under the popular Home Buyer’s Plan, first-time home-buyers will be able to access up to $25,000 or $50,000 per couple from their RRSP (Registered Retirement Savings Plan) for a down payment to purchase or build a qualifying home.. that’s a $5,000 increase.

In my view this is an excellent offer that helps first time homebuyer in making his or her decision easily because it holds maximum savings which could be utilized into other compelling dreams to fulfill while living in will always remind you, your success over your personal finances.

Consult your mortgage professional for the expert advice specific to your case and requirement. Remember, This investment opportunity is so hot that have made every mortgage consultant so versant to provide unbiased mortgage advice to first time homebuyers.


Best Time For Home Buyers and Mortgage Loan Seekers For The Life Time Investment Opportunity in Canada

Home ownership is a mother of all dreams which leads other wishes to line up in a row to follow behind, it give your life more success and enjoyable if it holds a criteria according to your need and affordability. Yes, most of the people think its really hard to get the home first because its a big investment, then why they forget about the rental payments which those people are paying off without any advantage but creating their life time investment into a life time liability. You can become a homeowner, if you exchange your payment head from rental to installment in a same payment amount or adding up some dollars to afford, according to your home requirement by taking home mortgage loan.

Home prices are low and still falling down in Canada!
Is it a myth to believe? Yes, this is right at the moment but it doesn’t mean that it will continue drop, reason being it didn’t increase according to the prediction pattern of the Canadian Real Estate Association (CREA) whose record shown resale prices rose by an average of 11% in the year 2006 and 2007 which was just increased to overall third part of a one percent in the year 2008. The average resale price of residential properties sold through out year 2008, were seen considerable drop in Canadian provinces like Ontario, Alberta, British Columbia and Quebec. Ontario recorded the biggest drop of 10% in relation to the Quebec, which only dropped to 0.1%. While newly built home prices according to the new housing price index (NHPI) still at the lower prediction level because of the elastic behavior of real estate market. Beside interest rates set by the Bank of Canada for the mortgage loans is still at moderate level in today’s global economic difficult environment. This means that investment in property is equally suitable for buyers either on cash or credit.

According to the OECD, the second half of 2009 expects Canadian economic recovery. This projection lets you take an opportunity to take some decision that brings short-term returns while discounting your long-term investment. Benefits could be spread to lot of people with different group as bellow:

  • Real Estate Resellers – Having a stock in hand in relation to frozen money is favorable specially when we know prices will be expected to go up at its reasonable level from its under valued position. Why not purchase a property to resell it and you know what happens usually when ice melts, anyhow decision is yours either you go to purchase an old or newly build house.
  • Mortgage Companies and Banks – I know every time when some rates and policy changes you have to do plenty of home work, like numerical formula setting, calculation and training with the variety of publishing, advertising, designing and printing efforts, this is normally we do with every change you know. But at the moment you could be benefited your self by getting more people to serve in relatively less capital for less installment payments to make more future sales and reviews by getting more people to pursue.
  • Home Mortgage Loan Seekers – Don’t wait for the snow to melt, because that time every one will be out there looking for the stuff they want. This is an ideal time to meet lot of people without taking difficult and less time appointment and if you find a home of your choice at reduced rate, you will save plenty of dollars at the end of the deal in reduced installments you could be better afford to pay.

Prices are low this means we don’t have any buyer in Canada? In light of principles of economics this myth seems to be right, but Canada doesn’t restrict any non-Canadian to get a property in Canada too. Even last year when US sub prime mortgage industry collapse there is a considerable shift in the real estate investment seen from USA into the Canadian real estate market, but that time nobody said that the prices gone high. This doesn’t mean that above myth went wrong but if prices stay at moderate level only because of our stronger housing and financial market fundamentals in Canada, in which best role goes towards our financial and banking system, and Bank of Canada that uses its resources and reserves to adjust it. Moreover, having strong economic policy and reserves for any country doesn’t stop us to perceive from the outer world, physical and psychological changes beside fiscal do affect our environment and decision. We wish our largest trading partner USA come up from its economic turmoil because its not that our mutual benefits depend on each other but US financial meltdown spread caused global economy at stake, you do know most of the world depend on it.


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