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樓主: babyjk2013

[加拿大] 買樓 [複製鏈接]

1 23

ssant

大宅

積分: 3353

41^#

發表於 13-10-28 14:21 |只看該作者

tangochacha 發表於 13-10-25 16:16
2 yrs fixed 利息, 不是還晒, after 2 years, they will deal with you about the interest rate again ...

for example if I bought a townhouse CAN$400,000, downpayment 40%, under 25 years mortgage term, how much per montly mortage ? thanks

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gps002

男爵府

積分: 6950

42^#

發表於 13-10-28 22:45 |只看該作者

http://www.austinkay.com/

Click the property-active listings and click into any property, then use their "mortgage calculator", it is very detail and show you all the breakdowns.

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doggie

男爵府

積分: 7158

43^#

發表於 13-10-28 23:59 |只看該作者

tangochacha - may be the law got changed, as most of my friend they do have property bak in HK, but still they manage to enjoy the first home buyer in toronto..

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ssant

大宅

積分: 3353

44^#

發表於 13-10-29 07:57 |只看該作者

引用：tangochacha++-++may+be+the+law+got+chang

原帖由 doggie 於 13-10-28 發表
tangochacha - may be the law got changed, as most of my friend they do have property bak in HK, ...

yes....我有朋友話this is only for new house in 樓花you buy then will give you no tax if first buyer in the world....if you buy 2nd hand house s no count on this

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suewong

男爵府

積分: 6062

45^#

發表於 13-10-29 10:42 |只看該作者

其實我有另外一個問題，我們需要在港賣出自住屋才有錢在加拿大買屋。我現在填寫form準備sponsor老公，希望下個月可寄出。如下年中賣出港自住屋，那筆錢如有under我名，是否需要打income tax？如只under老公名，他批左PR帶那筆錢入境是否不用打income tax？到時買屋under2人名是否都要打稅？又或是under老公就不用打？好多問題，唔知大家知唔知呢？謝謝。
我都15/16，原來calgary租屋都是一年計，好少短期，如短期內找到屋，唔知要唔要履行合約比哂一年租金。

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ssant

大宅

積分: 3353

46^#

發表於 13-10-29 13:11 |只看該作者

suewong 發表於 13-10-29 10:42
其實我有另外一個問題，我們需要在港賣出自住屋才有錢在加拿大買屋。我現在填寫form準備sponsor老公，希望 ...

I want to know this too..but due to case is complicated, so I will apply my husband via the consultant company

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ssant

大宅

積分: 3353

47^#

發表於 13-10-30 13:02 |只看該作者

abbyleung 發表於 13-10-22 10:15
我都是新移民，剛剛買了樓，落35% down payment 係 BMO 做兩年定息按揭，不用入息證明！

Hi , may I know where you bought the house ? Vancouver or other area ? thanks

...

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kimmama

子爵府

積分: 13250

48^#

發表於 13-10-30 13:41 |只看該作者

引用：其實我有另外一個問題，我們需要在港賣出自

原帖由 suewong 於 13-10-29 發表
其實我有另外一個問題，我們需要在港賣出自住屋才有錢在加拿大買屋。我現在填寫form準備sponsor老公，希望 ...

Same question

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ssant

大宅

積分: 3353

49^#

發表於 13-11-2 11:03 |只看該作者

引用：其實我有另外一個問題，我們需要在港賣出自

原帖由 suewong 於 13-10-29 發表
其實我有另外一個問題，我們需要在港賣出自住屋才有錢在加拿大買屋。我現在填寫form準備sponsor老公，希望 ...

same question as you...anybody help to answer?^.^

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pymmr

別墅

積分: 585

50^#

發表於 13-11-2 20:49 |只看該作者

回覆：suewong 的帖子

應該果邊大部分都係一年約，因先生在多倫多工作想租樓都係要一年，除非你肯俾業主租住賣，即佢賣出就要走人！

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lemonsugar246

大宅

積分: 1159

51^#

發表於 13-11-3 01:49 |只看該作者

引用：Quote:原帖由+gps002+於+13-10-28+發表Go+t

原帖由 ssant 於 13-10-28 發表
好有用的資料，多謝你！請問點解prefer 先rent 一年先買樓？因為成曰感覺rent係邦人供樓！

...

短租通常較貴，我在多倫多租了三個月 condo, 3千加紙一個月全包，2 bedroom, 1 parking, 包傢俬電器水電，cable, Internet, telephone. 但一年約的屋只需千多元一個月，以這個租金去租長約，起碼可租半年屋，可以慢慢睇請楚環境去搵心水樓。好彩我呢3個月租金係公司比，我一個月就找到屋，三個月租約完剛剛好收樓入住。

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ssant

大宅

積分: 3353

52^#

發表於 13-11-3 17:58 |只看該作者

引用：Quote:原帖由+ssant+於+13-10-28+發表好有

原帖由 lemonsugar246 於 13-11-03 發表
短租通常較貴，我在多倫多租了三個月 condo, 3千加紙一個月全包，2 bedroom, 1 parking, 包傢俬電器水電，c ...

明白、但我見到溫哥華好多短期租約、租金貴少許only...揾樓買收樓大約within 3 months..

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helenhhh

複式洋房

積分: 469

53^#

發表於 13-11-11 17:56 |只看該作者

回覆 tangochacha 的帖子

tangochacha,

我們剛剛寄出表格, 有親友推荐richmond的townhouse, 35年樓新裝修40萬.
問題是我唔清楚現在的樓價是否向下? 還是等來到先租屋,再慢慢搵? 你那裡的價值如何?

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tangochacha

複式洋房

積分: 280

54^#

發表於 13-11-13 10:17 |只看該作者

helenhhh 發表於 13-11-11 17:56
回覆 tangochacha 的帖子

tangochacha,

我們之前都是找RICHMOND的TOWNHOUSE, 但看了2天, 10幾間, 發覺大多是大陸人, 而且只可住一隻狗, 我有2隻小狗。於是我們轉看BURNABY的, 不但restriction 沒那麼多, 也沒有太多大陸人, 現在買了的鄰居都是外國人, 感覺好好多。
Burnaby management fees 會貴一點, 但地值錢一點, 我買的是6年樓, 41萬, 1028呎, richmond大D平小小, 建議不要買15年樓以上, 維修貴會好貴..

地產AGENT話近來1多港人回流, 可能會開始升了...

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dmpsuen

大宅

積分: 1055

55^#

發表於 13-11-15 11:06 |只看該作者

回覆 suewong 的帖子

Did you claim as non resident with CRA? If yes, bringing back money won't be taxed.

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helenhhh

複式洋房

積分: 469

56^#

發表於 13-11-18 14:19 |只看該作者

回覆 dmpsuen 的帖子

Hi dmpsuen, What is CRA, 是否第一次置業退稅? 但我未申請到PR, 剛递表, 可以嗎?

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dmpsuen

大宅

積分: 1055

57^#

發表於 13-11-18 16:50 |只看該作者

回覆 helenhhh 的帖子

Sorry for using short form. What I mean is Revenue Canada (tax office). It is referring for Canadian came back to work in HK and claim status as non resident so when they decided to return to Canada, the money they brought with them will not be taxed. Cause they can explain with proof it was the money they owned during non-residency period including the flat sold in Hong Kong.
For PR, no such non resident status will be granted and if the amount you kept in Hong Kong was not disclosed to Revenue Canada before, you will be taxed if bringing back or being found out by the tax office.
Hope it is helpful cause I worked for Revenue Canada some many years ago and not sure if they change the rule recently.

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dmpsuen

大宅

積分: 1055

58^#

發表於 13-11-18 16:52 |只看該作者

回覆 helenhhh 的帖子

Sorry Helenhhh, further info for your case: since you are not a PR yet, you are still applying to go to Canada, what ever money you are going to bring to Canada will not be taxed as long as you bring them with you. If you are going to keep some in Hong Kong, any income or interest generated will be taxed. Of course many people did not disclose to the government and they will take the risk of being found by tax office in the future.