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老大怎么不讲了呀~~
谈谈挑选房子的注意事项?
谈谈挑选房子的注意事项?
- 主题发起人 FCH
- 发布时间 2005-07-14
老中 说:恩。。。这个。。。恩。。那个。。就这样吧，完全同意以上铜子的发言，散会。
我最近可郁闷了，就别提了。其实我每天还是上家园的，不上就感觉少点啥（是真心话）。但我就是没有挂号上来，心情的缘故。不知道最终我的命运到底是什麽，也不知道能不能办下来。看到你们这样的开心很是高心和羡慕，我真是为家园的铜子们能够这样的融洽而心悦不已。我想我会实现我的愿望的。
咋的了，老中。好多同志都是经过漫漫长路最后胜利办好的。你这么坚强的人还怕什么。不过情绪起伏几下也是人之常情。赶快调整好，就归队，呵呵 
补充些买房可能遇到的开支：
Down payment
The larger the down payment, the less you will have to pay back in the long run. A larger down payment means a smaller mortgage which in turn, will result in lower interest payments. Over time, this will significantly reduce the cost of borrowing. For conventional mortgages, usually a down payment of 25% or more of the sale price is required. Zero percent down is now permissible through CMHC.
Property purchase tax
The provincial government imposes a one-time property purchase tax which must be paid before any property can be legally transferred to a new owner. The tax is 1% on the first $200,000 of the sale price and 2% on the balance of the sale price. However, there are exemptions available, one of which is the first time home buyer's exemption. First time buyers* eligible for this exemption must meet ALL of the following criteria:
The mortgage term must be at least one year - If the term is less than a year, you may apply for a rebate after you've lived in the residence for 12 months.
Mortgage financing must be 70% or greater of the purchase price - The maximum down payment is 30%. Mortgage financing cannot be from family members.
Purchasers must be Canadian citizens or permanent residents - as determined by Immigration Canada. Applicants must have resided in BC for a period of at least one year immediately prior to the application or filed two income tax returns as a BC resident within the last six years.
Maximum purchase price - The maximum purchase price is $275,000 for the Capital Regional District, Greater Vancouver & Central Fraser Valley and $225,000 for all other areas in BC. (For purchases on or after February 19, 2003, a property with a fair market value of up to $25,000 more than the maximum purchase price limit will be eligible for a proportionate amount of the exemption. All other guidelines apply.
Property must be owner occupied - Rentals or investment properties do not qualify.
Time constraints - Purchasers must begin occupancy within 92 days and reside there for a minimum of one year.
Maximum principal repayment during the first year - To obtain the full amount of the exemption, the mortgage cannot be reduced by more than the greater of:
$11,000 for Greater Vancouver & Central Fraser Valley
$9,000 for all other areas of BC
Note: the maximum limits include all regular and lump-sum principal payments.
* First time home buyer, as defined for the purpose of the Property Tax Exemption is "a person who has never, at any time, held a registered interest in a principal residence anywhere in the world (a principal residence is defined as the usual place where an individual resides) and a person who has not previously obtained a first time home buyer's exemption or refund."
Lawyer or notary fees
Fees vary so be sure to shop around. Fees for a transaction usually range from $500 - $1,000.
Inspection fee
It is highly recommended to have a proper inspection performed on the property by a professional inspector. Doing so will reduce your chances of unexpected problems in the future. And remember to ask for a written report if your inspector does not provide one.
Mortgage application fee
Some financial institutions will charge a mortgage application fee for processing your application.
Appraisal fees
Some financial institutions will cover the appraisal fee so be sure to ask. If you have to pay for this fee yourself, you can expect to pay between $150 - $300.
Property insurance
All homes must have adequate insurance coverage against fire, other risks or loss, theft and liability before the financial institution will lend you money. These rates vary depending on coverage options so speak to your general insurance specialist for more details.
Mortgage payments
Your mortgage payments are calculated based on the amortization period, interest rates and amount of the loan. Larger payment amounts mean a shorter amortization period and usually a lower interest rate. Of course, it's important to factor in your regular monthly expenses to ensure that you don't stretch yourself too thin.
Property taxes, school taxes
The monthly mortgage payments are not the only periodic payments you will have to make. Property taxes and other taxes such as school taxes, due once a year, should also be taken into account in your budget. The amount of tax you will have to pay will depend on the assessed value of your property.
Utilities, maintenance
Other monthly fees may include utilities and maintenance fees, if you're buying a strata property (i.e. townhouse, apartment, condo). Again, these fees vary depending on your usage and size of property.
Other fees
Renovations may be something you'd like to do in the future. If you plan to stay in your home for the long-term, you may want to update your property so make room in your budget for these occasional expenses.
Down payment
The larger the down payment, the less you will have to pay back in the long run. A larger down payment means a smaller mortgage which in turn, will result in lower interest payments. Over time, this will significantly reduce the cost of borrowing. For conventional mortgages, usually a down payment of 25% or more of the sale price is required. Zero percent down is now permissible through CMHC.
Property purchase tax
The provincial government imposes a one-time property purchase tax which must be paid before any property can be legally transferred to a new owner. The tax is 1% on the first $200,000 of the sale price and 2% on the balance of the sale price. However, there are exemptions available, one of which is the first time home buyer's exemption. First time buyers* eligible for this exemption must meet ALL of the following criteria:
The mortgage term must be at least one year - If the term is less than a year, you may apply for a rebate after you've lived in the residence for 12 months.
Mortgage financing must be 70% or greater of the purchase price - The maximum down payment is 30%. Mortgage financing cannot be from family members.
Purchasers must be Canadian citizens or permanent residents - as determined by Immigration Canada. Applicants must have resided in BC for a period of at least one year immediately prior to the application or filed two income tax returns as a BC resident within the last six years.
Maximum purchase price - The maximum purchase price is $275,000 for the Capital Regional District, Greater Vancouver & Central Fraser Valley and $225,000 for all other areas in BC. (For purchases on or after February 19, 2003, a property with a fair market value of up to $25,000 more than the maximum purchase price limit will be eligible for a proportionate amount of the exemption. All other guidelines apply.
Property must be owner occupied - Rentals or investment properties do not qualify.
Time constraints - Purchasers must begin occupancy within 92 days and reside there for a minimum of one year.
Maximum principal repayment during the first year - To obtain the full amount of the exemption, the mortgage cannot be reduced by more than the greater of:
$11,000 for Greater Vancouver & Central Fraser Valley
$9,000 for all other areas of BC
Note: the maximum limits include all regular and lump-sum principal payments.
* First time home buyer, as defined for the purpose of the Property Tax Exemption is "a person who has never, at any time, held a registered interest in a principal residence anywhere in the world (a principal residence is defined as the usual place where an individual resides) and a person who has not previously obtained a first time home buyer's exemption or refund."
Lawyer or notary fees
Fees vary so be sure to shop around. Fees for a transaction usually range from $500 - $1,000.
Inspection fee
It is highly recommended to have a proper inspection performed on the property by a professional inspector. Doing so will reduce your chances of unexpected problems in the future. And remember to ask for a written report if your inspector does not provide one.
Mortgage application fee
Some financial institutions will charge a mortgage application fee for processing your application.
Appraisal fees
Some financial institutions will cover the appraisal fee so be sure to ask. If you have to pay for this fee yourself, you can expect to pay between $150 - $300.
Property insurance
All homes must have adequate insurance coverage against fire, other risks or loss, theft and liability before the financial institution will lend you money. These rates vary depending on coverage options so speak to your general insurance specialist for more details.
Mortgage payments
Your mortgage payments are calculated based on the amortization period, interest rates and amount of the loan. Larger payment amounts mean a shorter amortization period and usually a lower interest rate. Of course, it's important to factor in your regular monthly expenses to ensure that you don't stretch yourself too thin.
Property taxes, school taxes
The monthly mortgage payments are not the only periodic payments you will have to make. Property taxes and other taxes such as school taxes, due once a year, should also be taken into account in your budget. The amount of tax you will have to pay will depend on the assessed value of your property.
Utilities, maintenance
Other monthly fees may include utilities and maintenance fees, if you're buying a strata property (i.e. townhouse, apartment, condo). Again, these fees vary depending on your usage and size of property.
Other fees
Renovations may be something you'd like to do in the future. If you plan to stay in your home for the long-term, you may want to update your property so make room in your budget for these occasional expenses.
符合中央文件的精神吗?
跟跟 说:
这样的答案不知道跟跟满意不满意：
确实买的是townhouse，这里的townhouse面积大概在100-200平米，再小的只有公寓了，再大的就是house了；单价和总价我在前面的帖子提到过的，richmond和burnaby属于中等价格，大概在230-280元/尺；不过这里的未装修地库，车库是不算面积的。花园嘛，多数会有，不会太大，10-30平方？但是也发现有些新的townhouse不再提供花园了，另外，还有些所谓的townhouse其实类似复式单位，楼下是别人家的公寓单位，楼上两层是自己的townhouse，他们叫townhome了。townhouse的花园有管理员打理。排屋比较好的有些像duplex，就是联体屋，价格要贵一些，更多的是4户或者以上连在一起的。
照片，没有住呢，哪来照片？
最后编辑: 2005-07-23
