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WHAT YOU SHOULD DO BEFORE START SEARCHING FOR THE HOUSE

    If you are a prospective homebuyer the first thing you need to think about is where you want to live. You have to think about the type of location you need -near schools, outside the city, near a big park.
     Then you should look at your budget - what price you can afford based on debt load. Usually person could afford 3.4 times their salary. so a couple with an income for $100,000 could afford to buy a house worth $340,000. The house, all debts, including the new mortgage, can be no more than 40 per cent of their salary. So out of that $100,000 gross income, no more than $40,000 can be used to cover their debts.
     Then there's the down payment, which the buyer must have in hand before a mortgage will be granted. If you're buying a house you need five per cent for the down payment and 1.5 per cent of the purchase price for the additional costs such as notary fees, taxes, property insurance, home inspection, moving costs.
     There's another consideration for home buyers: you have to pay a premium to the Canadian Mortgage and Housing Corporation (CMHC) in order to get a CMHC-approved mortgage.
     Then you should think what kind of mortgage do you want. Eventually it will become important to you to being able to make additional lump sum payments or weekly or bi-weekly payments. You should consider many things about mortgage - for example, the ability to defer or reduce your mortgage payment in the case of an unexpected event or shortfall. You want real flexibility when it comes to mortgage payments. That's why you need a good mortgage agent to guide you through the whole process.
     For more information go here - http://www.torontogreathomes.com/

Toronto real estate. TORONTO REAL ESTATE MARKET UPDATE

Record breaking warm temperatures in March helped bring out buyers during the first two weeks of the month.

The Toronto Real Estate Board reported 4,353 existing home sales, up 70 per cent from the same time last year, when the market was in recession.

But sales were also strong enough to break the mid-month peak set in March of 2006 by 16 per cent, according to the board.

“The spring-like weather in the first half of March brought the first green sprouts of the recurring spring market,” said board president Tom Lebour.

The average price for March mid-month transactions was $440,153, up 20 per cent over last year.

Some good news for buyers was that new listings improved by 34 per cent over last year.

“Look for double digit price increases to cease later in 2010, as new listings rebound from the low levels experienced in 2009,” said Jason Mercer, TREB’s senior manager of market analysis. “Increased listings will give buyers more choice, resulting in less upward pressure on home prices.”

If you want to know more about Toronto real estate, call sales representative and mortgage agent Alexandre (Alex) Malkhassiants, Right at Home Realty,  with all your questions: (416) 723-9383 (cell).

Harmonized Sales Tax ( HTS) : Good News and Bad News

I would like to share the following information with you regarding the New Ontario Harmonized Sales tax which is effective July 1, 2010 (it’s a combination of PST and GST in one - 13% in total)

            It is not going away, so we will have to learn how to deal with the issue and build it into our day-to-day affairs and budget.

• The bad news is that is will increase the cost of certain items ( i.e. gas , utilities and much more below )


• The good news it that it will create credits where there were none before. I.e. In the past, if someone who is running the business had to pay GST on an item , that permitted the individual to claim that GST paid on their return as credit. When it came to PST there was a different protocol; PST could not be claimed as a credit. Under the new HST that will change. Identical to the way GST allows  to claim an input tax credit on items purchased for the purpose of carrying on business, this will now apply to the entire HST.


• In the past there were certain items that were subject to PST or GST alone, now everything will be charged both.


• Where there were rebates before, there will be rebates now.


• As far as real estate concerned the tax will apply to various aspects of the transaction. This will include charges for real estate commission, home inspections, legal services, high ratio mortgage insurance premiums, fire insurance premiums, moving costs, appraisal fees, surveys etc.


• Under the new regime, buying a house where the appliances are included will result in additional tax.

      Gifts from the Government:

• The budget of March 2009 contemplates providing a once only credit to businesses of up to $1000.00 where the business has less than $2,000,000.00 in annual revenues from HST taxable sales.


• Single parents and couples with incomes of less than $160,000.00 will be entitled to a payment of $1,000.00  and finally single individuals earning less than $80,000.00 will be entitled to receive a one time payment of $300


• The budget also provides for annual payments to low-income individuals and families of up to $260.00 with incomes of less than $25,000.00

Alexandre Malkhassiants, Sales Representative & Mortgage Specialist,
Right At Home Realty Inc.,  Real Estate Brokerage
Office: (416) 391-3232
Cell: (416) 723-9383
E-mail: amalkhass@rogers.com
Web site: www.torontogreathomes.com
Toronto real estate market blog: http://torontorealestate.wordpress.com/