The Sesame Community

The Sesame community is here to assist you with any questions or difficulties throughout the process.

Ask

Sort By:

Recommended

    Date

Language:

All
English
中文
Français
Español
العَرَبِيَّة‎
Italiano
Русский
Deutsche
日本語
한국어
Others
I

Views: 584

Answers: 1

How is the home insurance premium determined?

Jessica Li Sales Rep

There are many factors that impact the premium, some noticeable ones are: ⦁ Address - if your neighbourhood has a higher number of burglaries, you may pay more premium; distance to a fire hydrant and a fire station also counts ⦁ Replacement cost - the size, number of stories, composition of your home, furnished basements, number of garages, etc. ⦁ Roofing - a recently replaced roof with better material is more likely to withstand the harm of weather ⦁ Heating - newer forced-air gas furnaces and electric heat are far safer than oil furnaces and wood stoves ⦁ Other - do you have a swimming pool and/or a hot tub? Do you have sewer back-up prevention measures?

2018-07-04 16:42:02

F

Views: 583

Answers: 1

多伦多投资商铺大概需要多少预算?

Faith J Broker

商铺是风险游轮。如果加盟酒店几十万到几百万都是可能的,甚至几千万的大型商铺。

2018-07-04 16:25:46

D

Views: 583

Answers: 1

How does mortgage loan insurance work?

Jessica Li Sales Rep

There is a common misconception that mortgage loan insurance protects the borrower. This is not the case. Mortgage loan insurance is there to protect the lender against default in payments by the homebuyer. If the buyer has a down payment of less than 20% of the purchase price, the lender will purchase default insurance and pass that cost on to the borrower. This can be paid up front, or tacked on to the mortgage payments and stretched out over time. Mortgage loan insurance is offered by companies like Canada Mortgage and Housing Corp., Genworth Financial Canada, Canada Guaranty, or another approved private insurer.

2018-07-04 16:34:59

A

Views: 582

Answers: 1

哪些人适合购买楼花?

Adam wang Sales Rep

1. 暂时短登的新移民,想过几年再来加拿大常住的,可以先购买楼花,等过几年再来加拿大的时候就能及时入住了。 2. 想投资房产的朋友,如果你对市场把握准确,可以考虑投资楼花。

2018-07-04 22:43:47

F

Views: 582

Answers: 1

What is a sewer back-up?

Adam wang Sales Rep

Sewers can back up following heavy precipitation, melting snow, a sudden thaw, a rise in the water table, or other unexpected weather conditions. You can minimize the risk of your house by following these loss prevention tips: Install a backwater valve: A backwater valve that complies with your municipality's standards and bylaws will prevent sewage from backing up into your basement. The valve closes automatically if the sewer backs up. Maintain your backwater valve: Proper care of your plumbing system will significantly reduce the risk of sewer backup.

2018-07-04 22:38:16

B

Views: 582

Answers: 1

Do I need a lawyer to close?

Adam wang Sales Rep

For buying and seller, yes lawyer is required. But for lease, you might not need the lawyer.

2018-07-04 22:48:40

H

Views: 581

Answers: 1

When I sell my investment property, how do I report the tax?

Betty Betty Zheng Broker

The net profit is treated as a capital gain, therefore 50% of the net profit will be taxed at your marginal tax rate.

2018-07-24 16:51:47

B

Views: 581

Answers: 1

如何抢offer(意向书)?

Adam wang Sales Rep

第一要了解市场。尤其是遇到要价较低的房子要冷静的分析房屋的真实市场价格。同时设定自己对房屋的喜爱程度而愿意为此而多付的价格。这二者之和大致就是应该出的价格。这个价格我喜欢称之为“不后悔的价格”,无论是买到还是没有买到都不会后悔。需要指出的是抢Offer同一般买房的过程地最大区别是中间环节少,往往是一轮定论,而没有实际讨价还价的经过几个回合。所以出价最好一步到位,以免丧失良机。 第二,事先到银行做好贷款评估或预批,了解自己的底线是多少,对自己的承受能力做到心中有数。 第三,事先验屋,最好能够取消验屋条件,但不能一概而论。 第四,准备好定金,最后是搬家。这些细节在最后关头对你是否胜出非常重要,并且能够给你省下钱。(来源:居外课堂)

2018-07-04 22:23:15

B

Views: 581

Answers: 1

中国投资者如何在加拿大卖房?

Betty Betty Zheng Broker

1. 明确为何要卖房 2. 订价前做好充分的市场调研 3. 参观别人的OPENHOUSE 4. 只与认真负责的优秀经纪合作 5. 房屋的内、外观留给买家(准买家)的第一印象很重要 6. 精心装饰,强化视觉效果 7. 去除房屋异味 8. 不怕暴露房子的问题 9. 谈价过程中应控制好情绪 10充分了解你的买家 11卖出前,不要搬出 12确认合同是完整的 非加拿大居民在加拿大出售房地产时,所有的资本收益都需要支付税款。正常的加拿大税率为收益的50%。但是,非居民需要在出售前缴纳税款的预估值,相当于收益的25%。这一部分税款由卖方的律师保留到加拿大税务局(CRA)下发本房产出售的清关证书。付款后,当买卖合同的所有条件都移除之后,加拿大税务局会给卖家发出清关证书。证书发放周期通常为6~8周。如果没有取得证书,买方将无法继续交易,同时还需扣留25~50%的房款。 房贷于截止日期之前转移到卖方的律师,然后给卖家,随后再将房产证转移到买方名下。 卖方如果不是加拿大公民,则应提交交易进行当年的加拿大所得税纳税申报表,应该会收到已缴税款的部分退款。加拿大房产税取决于房产主要用于居住还是用于出租。如果它被用来作为出租物业,必须支付非居民税,为租客支付的总租金的25%。但是,如果雇用了专业的物业经理,经理将根据法律规定代扣25%的租金,也就是说,只需要上报给税务局75%的租金收入。然后在次年3月31日之前,物业经理发出NR4表格,那么业主就有权提交加拿大报税的材料。纳税申报必须于6月30日前发出。 许多国家,如美国与加拿大有税务条约,这是为了防止公民受到二次征税。建议在卖房前,先向加拿大税务会计师咨询获取更多信息。(来源:居外课堂)

2018-07-04 18:06:07

D

Views: 579

Answers: 1

What is the condominium ownership?

Adam wang Sales Rep

It has separate ownership and title for your home and the common elements.

2018-07-04 22:49:05

12345678910111213141516

Loading Next Page. . . . . .

No More Result.

Please download the APP to ask professionals!

Not Now Go to download page

Coming Soon...

Close