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好媽媽勳章

41^#

發表於 10-2-9 23:45 |只看該作者

the community around bur oak should be middle class people. even if they are black or southern asian, they should not be low standard people.

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積分: 802

42^#

發表於 10-2-10 01:16 |只看該作者

明白嗮，真係唔該嗮各位。

甘我想問搵唔同既銀行做mortgage會唔會唔同呢（好似香港甘，利息唔同or優惠唔同）？

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ckkwkl

積分: 3712

好媽媽勳章

43^#

發表於 10-2-10 01:54 |只看該作者

原帖由 anniese 於 10-2-9 12:16 發表
明白嗮，真係唔該嗮各位。

甘我想問搵唔同既銀行做mortgage會唔會唔同呢（好似香港甘，利息唔同or優惠唔同）？

each bank might have different offers. takl with a few and then select for the best benefits for yourself.

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beselsel

積分: 334

44^#

發表於 10-2-10 04:28 |只看該作者

or you can check online to see how they do the rate right now, there are several larger insitute have a good rate
ING direct
Royal Bank
CIBC
Bank of Montreal
TD bank
make sure you search is under the CND rate and not the USD, some of these bank have web site under USA too.

***** Beselsel *****

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Tsang04

積分: 1207

45^#

發表於 10-2-10 05:54 |只看該作者

hi anniese,

house : as other ma said, west of markham road is really ok...not bad.....markham hv a lot of chineses, u no need to speak english..ha ha ha...but some ppl don't like....some like to meet w same tone loh....

most ppl chose to open international a/c in hsbc & do the transfer...then, hsbc ca already assign a cs mgr to follow u....therefore, mortgage rate for exisitng a/c of course is better la....

last yr, when i search for mortgagef around other local bank.....hsbc ca still able to offer better rate for us as we not "nothing" to other local bank but already intl customer in hsbc ma...

for propety searching...mls.ca seems already covered all openning la.....u may find the propety agent 1st & talk to them yr requirement even u a in HK, they can give u update info, once there is any new open, their system will send u the details automatically....

best wishes!!

原帖由 anniese 於 10-2-10 01:16 發表
明白嗮，真係唔該嗮各位。

甘我想問搵唔同既銀行做mortgage會唔會唔同呢（好似香港甘，利息唔同or優惠唔同）？

[ 本帖最後由 Tsang04 於 10-2-10 05:55 編輯 ]

]

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積分: 802

46^#

發表於 10-2-10 20:16 |只看該作者

唔該嗮各位，感激感激！
其實要set up 一頭家真係唔容易，念起樣樣都要重頭開始真係有D驚，但為左個女張來讀書都無辦法啦！我老公仲要過去搵工，唔敢想像！

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doggie

男爵府

積分: 7158

47^#

發表於 10-2-10 23:57 |只看該作者

for my experience - i hardly get the pre-approval from other banks (like TD and CIBC), as no credit history from them - they said unless u have a security deposit with them, otherwise, they need a creidt history check for at least 15 months before pre-approval will be granted. that's why i stick on to HSBC

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beselsel

積分: 334

48^#

發表於 10-2-11 01:23 |只看該作者

anniese, i know starting everything again is a pain, but no worry, try to search online with job agencies and they might able to find a better job for your husband. and most of the job agencies are specific in a certain profession too.

***** Beselsel *****

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Tsang04

積分: 1207

49^#

發表於 10-2-11 05:18 |只看該作者

doggie, same same, i failed to get any credit card at the very begining...visa is even more hard then master....u know HK ha...banks just give it to u for free w gift as well.....very different culture...

anniese - add oil!!!

原帖由 doggie 於 10-2-10 23:57 發表
for my experience - i hardly get the pre-approval from other banks (like TD and CIBC), as no credit history from them - they said unless u have a security deposit with them, otherwise, they need a ...

]

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積分: 802

50^#

發表於 10-2-11 11:42 |只看該作者

Thanks all,

Then I better ask my husband to check with HSBC here in hk first and see what they could do for us. I think I am lucky since I keep my hsbc a/c in toronto although I left for so many years, at least they still have my record.

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積分: 802

51^#

發表於 10-2-11 12:05 |只看該作者

Is there any good job agencies for I.T field?

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beselsel

積分: 334

52^#

發表於 10-2-11 12:32 |只看該作者

anniese: I am not sure about I.T. field but i know Randstad is a big job agent and have lots of job category under the company.

***** Beselsel *****

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3kids媽咪

積分: 1599

53^#

發表於 10-2-11 17:32 |只看該作者

anniese,

我去年中係在hk fax d入息証明去HSBC ca 批pre-approval,好快!一個月內就批o左
我們在加國沒有credit history,去年年頭我只係過去開個普通cheque acc,當時hsbc officer跟我講:如果要買樓無credit history好難批,你申請張信用咭開始o左先啦!我話好丫,o甘就比o左張credit card給我,但得500元limit 咋!
如果你想申請hsbc pre-approval,我可PM資料給你.

原帖由 anniese 於 10-2-11 11:42 發表
Thanks all,

Then I better ask my husband to check with HSBC here in hk first and see what they could do for us. I think I am lucky since I keep my hsbc a/c in toronto although I left for so many ye ...

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積分: 802

54^#

發表於 10-2-11 20:14 |只看該作者

回覆 53# 3kids媽咪的文章

好啊好啊，唔該嗮~~

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3kids媽咪

積分: 1599

55^#

發表於 10-2-11 20:46 |只看該作者

please check PM

原帖由 anniese 於 10-2-11 20:14 發表
好啊好啊，唔該嗮~~

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積分: 802

56^#

發表於 10-2-11 23:30 |只看該作者

收到，唔該嗮~~

你地實在太好人喇！！

原帖由 3kids媽咪 於 10-2-11 20:46 發表
please check PM

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doggie

男爵府

積分: 7158

57^#

發表於 10-2-12 00:58 |只看該作者

Anniese - if yr 66 is working for the IT field, make sure he got all the microsoft certificate (something like that) - if he is the programmer or techician. or else get the CPM (certified project management) then will be easy to get a job here.
i am working in the IT firm. if u need - could ask for more information for you...

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58^#

發表於 10-2-12 21:44 |只看該作者

Doggie,
PM you already. Thanks.

原帖由 doggie 於 10-2-12 00:58 發表
Anniese - if yr 66 is working for the IT field, make sure he got all the microsoft certificate (something like that) - if he is the programmer or techician. or else get the CPM (certified project m ...

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aka414

積分: 293

59^#

發表於 10-2-12 23:36 |只看該作者

Hello anniese,

I've been living in the Markham (Kennedy & Bur Oak) area for more than 6 years. It's a very nice neighbourhood... don't worry.

Regarding your daughter going to school... my son will be attending JK this coming Sept. Kids only go to kindergarten when they are 4. I believe there's 2 public schools (Castlemore PS or Stonebridge PS) in the area and 1 catholic school (All Saints Catholic). They all have good reputation and you can check out the reports from Fraser Institute for more details. Alternatively, a lot of parents here register their kids in Montessori school until they are old enough to enter Grade 1 in public school.

My husband is an IT guy (programmer). He has no microsoft certification (he hates Microsoft stuff to be exact

); however, he doesn't have any problems looking for jobs here. So don't worry too much. I'd suggest your husband post his resume on workopolis.com or monster.ca and recruiters do search candidates from these job boards! Hope this helps!

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