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回復 2# Nam

it is hard to catch up with 20% down as prices also increase too.
i agree with auyatyat. Once the new mortgage rules come out, it is even harder for you to have a mortgage qualify or to have afford a mortgage payment.

they reduce mortgage amortization from 35 to 30 yrs... that is a big different with monthly payment already.

15 % will also required plus you will need to pay cmch insurance

I will suggest you can go over some mortgage calculator to determine how much you can afford..
usually cmhc insured mortgage, the total debt service ratio is 42%-44% of your salary, so you can't use over max 44% of your income for mortgage payment, property tax, 1/2 strata, monthly heating (usually $60) and your monthly credit card payment (3% of balance owing), loan payment....and etc.

Good luck.... .努力~

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To put money in stock and wait for 10 years, still risky. But to buy a housing as investment and also wait for 10 years, almost a guarantee to be a gain. Just look at the real estate stat back for the past 30+ years, no matter you bought your housing at the highest point or mid-point or lowest point, you'll have a gain after 10 years.

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stock market, find a good dividend stock wait for recession or depression, get the stock 50% off, bu ...
Ovaltine 發表於 2011-1-29 17:49

Well, no matter how good your stock and how how good return interest will be... so and so, whenever u withdraw, u still have to pay tax! (HEAVY TAX)   ....... If say u gonna to pay rent instead of to buy a property to live in let's say 10 years, your landlord will be happy because u are the one (v. stable tenant) to  help him/her to pay off their mortgage for 10 years... haha! If u used your own property to roll bigger or newer (upgrade) from time to time, buying and selling same market..... didn't see any negative pt. to do investment in this way (I am a stock and property investor but just want to share my own pt. of opinion)!!

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本帖最後由 Ovaltine 於 2011-1-29 22:31 編輯
To put money in stock and wait for 10 years, still risky. But to buy a housing as investment and als ...
FiChai 發表於 2011-1-29 21:20


didn't i mentioned the real estate stat is based on population explosion of the baby boomers? you can't just say its a guarantee gain just because you look at the last 30 years of peaceful human history. do you really think the next 30 years gonna be the same as the last in the midst of global warming, overpopulation and disparity between rich and poor? i think chinese people buying real estate, they call it "get on car". this get on car thing is really herd mentality, i don't want to say its positive or not because i can't read the future, but words of caution is explained above.

my parents, my relatives all have rental properties as investment, its basically our family business, if you calculate the return per year based on the value of the current housing price is about 6% after all maintenance and bull**** from tenants, so its not really that fun to be a landlord. i can make 6% easily through stock market or just deposit+ i can pull out whenever i want. i got place to live in already, so i don't have to worry for a long time.

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didn't i mentioned the real estate stat is based on population explosion of the baby boomers? you  ...
Ovaltine 發表於 2011-1-29 22:29

Of course I know. But to compare to put money in stock market vs real estate, both for a 10 year term, which one do you think is safer or less risky?

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本帖最後由 kingkong123 於 2011-1-29 23:46 編輯

屋企人帮下没什么所谓, 先上车在算, 然后再每月还给屋企人咯

点都好过你自己慢慢存20% 首期,试想下啊,你认为你自己存的钱有可能升得快过楼价吗? 温哥华没大陆炒家甘就有可能,不过事实没可能啊

无论点,先上车再算,慢慢等,等下就一年,再等下又一年,你想买的楼就越来越细间。我身边甘的人好多,到最后自己还是觉得自己笨

再讲啦,就算给CMHC 的insurance 甘又点啊,起码上左车先算,而且premium都唔系话多姐,点都好过你交屋租帮人供楼

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能力做到的,盡量希望唔洗父母幫,話哂個啲係佢哋養老嘅錢!

其實,我都差不多儲蓄到10 % down, 但係買樓 ...
Nam 發表於 2011-1-29 09:58



    父母帮只是借,到时候你分期还给他地米得咯

有楼好过没啊,何必甘迂腐呢

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本帖最後由 kingkong123 於 2011-1-29 23:52 編輯
No, as my parents don't have money $ to help me for down + I DON'T WANT TO USE THEIR retirement mone ...
chrichri 發表於 2011-1-29 18:09



   you are smart lah!

be careful using you home LOC $$ for other investment, it is risky. in 2009 and 2010 the risk was low, now anymore for 2011

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stock market, find a good dividend stock wait for recession or depression, get the stock 50% off, bu ...
Ovaltine 發表於 2011-1-29 17:49



   讲就容易,现实唔系甘多人够胆甘做

事实上好多人在低位的时候出,高位的时候入

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回復  Nam

3月18之後min 15% down,距離上車o既路愈來愈難行...努力~
auyatyat 發表於 2011-1-29 11:56


你错啦

    你仍然可以放5%首期,只是还款周期限制在30年以内,只要你收入足够你就可以放5%首期啊

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