國家地區媽媽會 今日: 1 | 主題: 20234

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41^#

發表於 17-11-3 02:36 |只看該作者

ALSC 發表於 17-11-2 10:32
地稅要差不多1%! 1千萬的樓米要比10萬蚊稅

如果買舊樓, 估價會遠低過市價, 我間屋去年政府估價一百萬, 佢會慢慢加間屋個價計地稅, 到2020 年就會按一百萬計地稅, 即我在2020年就算唔食都是用10,000加幣一年交地稅, 即會月要830加幣
不過如你買的是新樓, 你地稅上的估價應是你的買入樓

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ALSC

積分: 2905

42^#

發表於 17-11-3 15:48 |只看該作者

回覆 Mayakids 的帖子

我見依家D樓大陪份係HKD800-1000萬, 可能買得起但冇錢交地稅

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積分: 13205

43^#

發表於 17-11-3 22:16 |只看該作者

Mayakids 發表於 17-11-3 02:36
如果買舊樓, 估價會遠低過市價, 我間屋去年政府估價一百萬, 佢會慢慢加間屋個價計地稅, 到2020 年就會按一 ...

Richmond Hill?

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44^#

發表於 17-11-3 22:17 |只看該作者

ALSC 發表於 17-11-3 15:48
回覆 Mayakids 的帖子

我見依家D樓大陪份係HKD800-1000萬, 可能買得起但冇錢交地稅 ...

I guess depending on location. Tax in Markham should be lower than 1%. Not sure

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Mayakids

積分: 1932

45^#

發表於 17-11-4 08:15 |只看該作者

kimmama 發表於 17-11-3 22:17
I guess depending on location. Tax in Markham should be lower than 1%. Not sure

Tax rate of Markham and Richmond Hill is lower around 0.75% as property value in these towns are higher. Don't buy brand new house if you really concern property tax. Assessment value of old house is much lower than market value. However, assessment value of brand new house should be equal to purchase price. Even two houses have same market price, old house may pay less property tax

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BukeLuke

積分: 1174

46^#

發表於 17-11-6 01:22 |只看該作者

tomobaby 發表於 17-11-1 01:07
一家四口要CAD3000？！請問這個數字是不是包括了住屋？

我們一家三口打算明年回來，剛買了屋 ...

其實香港駛費也不輕，管理費工人人工小朋友興趣班等，每月也最少hk$20000吧

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QueenBallet

積分: 4388

47^#

發表於 17-11-13 17:53 |只看該作者

回覆樓主：

本帖最後由 QueenBallet 於 17-11-13 17:54 編輯

如果，我先帶小朋友(中學生)移，我去搵工，搵到老公先移，好唔好？因為我地好怕兩個無工做，只食老本。我唔知幾時搵到！不是native English speaker! 其實，如果做賣麵包sales, 一個月有幾錢 in Toronto? 這類如果不是native English speaker, 難找嗎？當然希望可以做office 啦！唉！

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積分: 13205

48^#

發表於 17-11-13 22:14 |只看該作者

QueenBallet 發表於 17-11-13 17:53
如果，我先帶小朋友(中學生)移，我去搵工，搵到老公先移，好唔好？因為我地好怕兩個無工做，只食老本。我唔 ...

我覺得唔好. 一個人先同個仔去, 從頭到尾自己去SET UP, 要照顧個仔之餘仲要去揾工番, 好易人都顛..
你可以話兩個一齊過去風險高冇安全感, 但要重新適應新生活, 至少有人相互扶持都易過D

不過講來講去, 都睇你地有几大移民既決心, 條條大路通羅馬, 好好同竹先生商量一下

呢類行業大多是MIN PAY, 即係大約13-15蚊. 不介意MIN PAY的工作不太難找.

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lalang02

積分: 4628

49^#

發表於 17-11-14 17:00 |只看該作者

QueenBallet 發表於 17-11-13 17:53
如果，我先帶小朋友(中學生)移，我去搵工，搵到老公先移，好唔好？因為我地好怕兩個無工做，只食老本。我唔 ...

唔好介意！
你地條件唔算好，做咩唔留香港呢？
咁辛苦自己，唔知你本身做咩工，學歷係點。
你情願係加拿大做賣包都肯去？加拿大生活係理想但講真都要有少少實力先得架。

你如果唔想小朋友係香港讀本地學校不如考慮讀國學校啦！到小朋友咁上下大先送佢去讀中學，你兩公婆係香港做野。

我同老公己計劃緊搬返去，但前提我地真係過去以陪小朋友讀書, 唔係去捱世界！我老公做IT, 手持三份signed employment freelance contract. 我地先敢去計劃。（我老公係home office,邊度做野都一樣）同埋手持一舊cash.

你想想，你過到加拿大日做2份工/16小時，賺咁少錢，有時候照顧家庭嗎？大人去到要適應，小朋友唔洗咩？你做父母唔花時間去陪佢又要做呢d本身唔係你學歷/經驗既野純想去加拿大生活，知道一定係為仔女，人人都係呢度！不過都係個句，不如係香港再等到有條件先再計劃啦！

如果你連香港都未站穩，難道加拿大會有你的位子嗎？

只想講出事實

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susumi123

珍珠宮

積分: 31153

hashtag影視迷勳章

50^#

發表於 17-11-16 17:25 |只看該作者

Mayakids 發表於 17-11-1 09:15
如在多倫多, 一大兩個細的小朋友, 有兩架車 (不用供), 不用供樓的話一個月輕鬆一點要用加幣5000. 這邊電費 ...

5000加幣一個月?

我認真想知，如果初嚟到搵min pay點可能生活到?

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積分: 13205

51^#

發表於 17-11-16 21:37 |只看該作者

susumi123 發表於 17-11-16 17:25
5000加幣一個月? 我認真想知，如果初嚟到搵min pay點可能生活到?

靠老本一個月要供車供樓, 真係差不多$6-7000

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jjg

別墅

積分: 830

52^#

發表於 17-11-18 04:01 |只看該作者

大頭爸爸發表於 17-5-5 08:02
現正考慮移民，但計算到生活費另我再考慮是否值得做移民決定。
1家4口2讀小學在温哥華最基本都CAD4,000/月 ...

本帖最後由 jjg 於 17-11-18 04:53 編輯

頭一年要用的錢會畀你想像中更大!
尤其是你係加拿大冇credit history 的
話租屋要可能要先付一年租金業主先考慮會租畀你。買樓宜家又貴又難（壓力測試，工作證明），除非你full pay。

冇Canada driving record 車保又畀再貴啲（at least CAD $3,000 一年）。

以我為例, 每月必要洗費:

屋租 2,000
lease 車 350
車保 300
房屋保險 70
家居上網 100
mobile plan 50
水電 300

未計買餸加其他課外活動,雜費,day care都已經用左三千幾。

我地果時都算plan 好，賣左香港層樓，點知黎到冇credit history 好難先搵到屋租，lease 車冇 credit history又要搵擔保人。我老公好彩做IT 可以home office, 都唔洗食老本，但啲錢都好似倒水咁。其間係度邊做邊搵工都同左差不多一年時間先搵到工。最近又買左屋先算安定落黎，但出年所有local bank開始樓按都要做壓力測試。我都慶幸我早左一年黎settle down。

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53^#

發表於 17-11-18 09:29 |只看該作者

We came to Canada for more than 2 years, first year in Toronto and then moved to Vancouver. I think the monthly expense in the 2 cities does not have big difference.

The costs for utilities in Toronto are higher in Vancouver but the car insurance in Vancouver is higher than in Toronto. In Vancouver, there is a big demand in labor market, such as supermarkets and restaurants. But if you want to find a job in an office setting, it may be quite difficult as they always hire people with "Canadian experience". I heard that if you are willing to work in restaurants, you may earn upto 3,000 to 4,000 per month. Even better is almost half of which is tips (cash) which is not taxable (I'm not sure if it is legal not to report this income to the tax authority).

If you are low income family, you do not need to pay or have to pay a lower fee for MSP (health insurance). You can also receive some child allowance each month. I have two children too and only my husband has a job. We currently don't have to pay any for MSP and I am receiving around CAD900 child benefit.

Car insurance here is very expensive, around CAD5,000 for a new driver. My husband has driver's licence for over 10 years in HK, he also has to pay around 4,500 for the first year.

Rental payment and cost for car depends, can be very cheap or expensive, it's our choice.

Excluding rental payment, car insurance, cost for a car, I think you need to spend 2,500 to 3,000 per month.

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QueenBallet

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54^#

發表於 17-11-18 16:52 |只看該作者

lylymama 發表於 17-11-18 09:29
We came to Canada for more than 2 years, first year in Toronto and then moved to Vancouver. I think ...

May I know the reason you moved from Toronto to Vancouver?

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積分: 1345

55^#

發表於 17-11-19 00:41 |只看該作者

回覆 QueenBallet 的帖子

在加拿大找文職，如果冇人介紹真的好難！因老公的哥哥在溫哥華的銀行工作，在他介紹下老公有面試機會，所以在多倫多時自修定，一過來便立即考投資牌，然後去見工。好彩請左佢！
不是多倫多環境不好，其實剛剛來到溫哥華時，我地都係鍾意多倫多多啲。不過而家已經習慣呢道生活。

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積分: 1345

56^#

發表於 17-11-19 00:52 |只看該作者

But you really need to spend a lot of money in the first year! And I don't think you can get child benefit for the first year coz you need to report your overseas income for the past 2 years for them to calculate your child benefit.

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57^#

發表於 17-11-19 01:10 |只看該作者

If you want to buy your own home I suggest you buy it within the first two years unless you can full pay. Some banks offer new immigrant plans to people who landed for less than one or two years. Say for RBC, you only need to pay 35% down payment. They don't need to have your income proof here. CIBC also had similar plan last year, but they no longer have this this year. Once you have a job here banks normally need to see your income proof. So you better buy it quick if you don't want to full pay.

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Mayakids