Indian Council Of Medical Research Notification 2018
Latest Government Jobs 2018
Omfut Tech
For more infomation >> 🔴LIVE #12 League of Legends - How League of Legends is Making the World a Better Place🎮 - Duration: 41:06. 
For more infomation >> 最讓人心跳加速的穿幫鏡頭，楊冪露了啥，網友看了起雞皮疙瘩！！ - Duration: 3:00. 
For more infomation >> 明星在飛機上都在做什麼？最後一個簡直不堪入目！ - Duration: 5:54. 
For more infomation >> Porsche 911 - Duration: 1:13. 
For more infomation >> Why Haven't You Started?
For more infomation >> Audi A3 Cabriolet 2.0 TFSI quattro S-line aut EXTREEM VOL!Virtual cockpit/2x s line/sport comfortsto - Duration: 1:08. 
For more infomation >> Audi A3 Sportback E-tron EXCL.BTW! S LINE 7% prijs incl. btw: 28.919,- - Duration: 1:07. 
For more infomation >> Mercedes-Benz S-Klasse MAYBACH S 500 4Matic - Duration: 0:54. 
For more infomation >> Mercedes-Benz S-Klasse S 350 d 4MATIC Lang AMG Line - Duration: 0:53. 
For more infomation >> Mercedes-Benz S-Klasse Coupé 500 4-MATIC AMG Styling Rijassistentiepakket plus - Duration: 0:55. 
For more infomation >> Suzuki S-Cross 1.6 Diesel Exclusive/Navigatie - Duration: 1:09. 
For more infomation >> Suzuki S-Cross 1.6 Exclusive Clima/Cruise/Trekhaak - Duration: 1:06. 
For more infomation >> Suzuki S-Cross 1.6 BUSINESS EDITION PRO Navi | Clima | Trekhaak - Duration: 1:06. 
For more infomation >> Audi A5 Sportback 1.8 TFSI 170pk PRO LINE S, Navi, Xenon Led, ROTOR, ECC - Duration: 1:13. 
For more infomation >> Audi Q5 €3.307 prijsvoordeel 2.0 TDI S line edition 150 pk (vsb 18665) voorraaddeal - Duration: 0:54. 
For more infomation >> Opel Corsa 1.3 CDTi EcoFlex S/S Business Edition Navi 5 Deurs - Duration: 0:45. 
For more infomation >> Tesla Model S 85 Leder Xenon Navi Camera 19" WiFi Spotify Homelink lmv Ecc Led Pdc Connected MultiMe - Duration: 1:07. 
For more infomation >> Toyota Verso-S 1.3 VVT-i Aspiration Automaat - Duration: 1:07. 
For more infomation >> Suzuki Celerio 1.0 Comfort Airco RIJKLAAR!! - Duration: 0:57. 
For more infomation >> Nhật ký làm giàu | cùng các ae thắng lớn với Storiqa | #link #cryptoteam - Duration: 2:12. 
For more infomation >> 破天荒大尺度！ 小S镜头前大尺度"粉红点点"！！！ - Duration: 5:23. 
For more infomation >> Dali mu jiné prášečky? Získali jsme Koptíkovy básničky z léčebny a jeto bizár roku! - Duration: 2:13. 
For more infomation >> Une maman a tué ses enfants à cause d'une erreur bête en leur préparant le petit déjeuner - Duration: 6:17. 
For more infomation >> Un régime pour réduire les risques d'infarctus et d'ictus - Duration: 9:26. 
For more infomation >> Mercedes-Benz V-Klasse V 250 d CO Avantgarde Edition L - Duration: 1:07. 
For more infomation >> Mercedes-Benz V-Klasse V 220 d , Edition L | Used 1 - Duration: 1:12. 
For more infomation >> Mercedes-Benz E-Klasse E 220 d Limousine Automaat | Comand | Multibeam | Parkpilot - Duration: 1:07. 
For more infomation >> Mercedes-Benz E-Klasse E 220 d Limousine Automaat | Comand | Multibeam | Parkpilot - Duration: 1:01. 
For more infomation >> Trump Again Laments Selection Of Sessions As Attorney General - Duration: 3:16. 
For more infomation >> Wildlife Officials Provide Update On Pregnant Elk On Lookout Mountain - Duration: 2:17. 
For more infomation >> Mope.io Mole Creates The Army Of Bees!! Mope.io Beta - New Bee Update // Beta Suggestions #2 - Duration: 4:39. 
For more infomation >> Cure de désintoxication et de nettoyage au citron - Duration: 8:21. 
For more infomation >> Дисс на роскомнадзор — SmWlf [SamWolf] - Duration: 3:54. 
For more infomation >> LOẠI BỎ ĐỘC ẨM TÍCH TỤ 10 NĂM TRONG CƠ THỂ NHỜ THỨC UỐNG ĐẶC BIỆT NÀY - Duration: 3:50. 
For more infomation >> Comment avoir 1000 Abonnés sur YouTube gratuitement (et rapidement) - Duration: 8:15. 
For more infomation >> Volkswagen up! 1.0 5drs. Move up! airco | navi | 5drs | - Duration: 1:06. 
For more infomation >> Volkswagen Beetle 1.4 TSI 150PK DSG Sport R-edition - Duration: 1:12. 
For more infomation >> I meravigliosi benefici dell'olio d'oliva con succo di limone - Duration: 8:47. 
For more infomation >> Emmanuel Macron sur Vladimir Poutine : «Il intervient partout pour fragiliser nos démocraties» - Duration: 4:32. 
Hello, this is Vivien Sharon welcome to Episode 2 on my first episode
We talked about the budget basics when you're buying a property and today
We're going to concentrate on some basic issues to do with mortgages and mortgage
Financing that. I think you should know about the mortgage rates the mortgage rates can be either Fixed
Variable or
Adjustable. You can have an open mortgage or a closed mortgage a closed mortgage means that it has a fixed
fixed
Period of time and a fixed amount on a monthly basis and that cannot be changed over the 25 years
Let's say amortization period an open mortgage is
Usually more common, and it's more flexible. It's open
There is no penalty if you decide to move in the future
It would be very wise much wiser to have an open mortgage whereby you can
Change the terms pay a small
potential penalty for that the general rule is
25 years for the length of the mortgage when you're buying a property
25 years is the time spent and
That is what it currently is it used to always be 30 and in some cases it is 30 years
But the rule is 25
Conventional versus high ratio mortgage. What does that mean?
Conventional mortgage is if you go to a bank advisor you do the numbers
And you are able to put together enough cash for at least 20% or more of
the purchase price
So that is a conventional mortgage
When you go to a high ratio loan-to-value?
Mortgage it means that you're going to be borrowing a lot more money, and it would be that you have cashed for
Under 20% of the purchase price, so this is something that you need to determine
When you do your budgeting which I've said in my first episode budgeting is so important to have cash
Available so that your interest payments will be so much lower getting mortgage approval
When you're thinking of buying a home?
it's really important after you've done the basic budgeting is to sit down with a mortgage advisor a
lender and
To go over the numbers what you earn. What are your expenses?
What is the type of property you can afford and to do the numbers that is?
Extremely important and one of the first steps that you must do if you're thinking of buying a property
Now since the beginning of the year January
2018 in order to cut back on the debt of consumers the Canadian
Government through its auspices has
Dictated that there's a 2%
Extra stress test it doesn't mean that you will be paying more on a monthly basis
but it means you have to be able to qualify when the mortgage lenders and the
bankers do the
Calculation you have to be able to at least
On paper be able to pay an extra two percent over and above the negotiated interest rate
so if you have an interest rate a mortgage of
25 years at
3% you have to be able to qualify for 5% even though you'll be paying 3%
Which means for some people they won't be able to buy that house for?
$750,000 they'll have to
Scale it back to 220 percent less of
A purchase price because they won't be qualified to buy for seven hundred and fifty thousand dollars
But qualified for five hundred and fifty thousand dollars or six hundred thousand dollars
So don't go looking for a house that they can't afford so one more thing
Before I wrap up when you sit down with your real estate professional
And a price is being negotiated for the purchase of a home
And if there is a condition based on
Financing in one offer the second offer doesn't have that they've already done their numbers
They already have a pre mortgage approval which I'm recommending you absolutely get
The offer that does not have any condition and have their
financing in order and they can waive the conditional financing they will be
Definitely the offer that the seller will look at first
This is a summary of the type of mortgage you can get when you're out sitting with your mortgage lender
the amortization period the high ratio mortgage and
the new rules of the stress test
So this gives you I hope a general overview when you sit down
You you you do the numbers and you meet with a professional who can do the mortgage?
Financing with you, and then you go shopping for a home and not before on the next episode. We're going to talk about
What is the household income is that one income is it two incomes?
What are all the expenses on a monthly basis and that way before you even start shopping for a home? You know your numbers?
That's the most important thing, so we'll check that out on the next episode, and I look forward to speaking to you then
Have a great day. Bye for now
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment