Olga Ouspenski – Courtier immobilier / Real Estate brocker – groupe VENDIRECT inc. 514-999-9260
Avez-vous vu un Sapin de Noël devant l’hôpital d’enfants à Montréal?
Vous pouvez allumer une lumière ou plus sur ce sapin jusqu’à 07 décembre et votre argent vont directement dans la Fondation d’hôpital Sainte-Justine! Une lumière coute 5 $. L’objectif est d’allumer toutes les lumières sur ce sapin de Noël. Il y a beaucoup de lumières à allumer.
Allumez l’espoir pour les enfants et leur famille!
Those who were planning to buy a house this fall are probably keeping an eye on rising mortgage interest rates. And not only them. Those, who have already purchased property and are due to renew their mortgage this year, are also watching with bated breath what disputes flare up in the press over the growing banking interests. It is now becoming clear that housing prices will not rise soon, but will most likely fall, primarily for apartments (condominiums or condos for short), which are less popular than houses.
My clients who were qualified by the bank to buy a $500,000 home in 2022 are only qualifying to buy a $400,000 home or condo this year. Therefore, many of them believe that it is better to buy a good condo than a bad house. It should be considered that buying a condo is much more complicated than buying a house because you are not only buying your personal space, but also common areas with limited use, such as balconies or parking spaces. Each owner must respect the rules of living in the building. For example, it may be prohibited to have dogs, barbecue on the balcony, or wash your car in the parking lot.
Once the buyer’s offer has been accepted by the seller, the future owner has 10 days to review the annual meetings and financial statements for the last 3 years. If the buyer is not satisfied with the financial situation of the co-ownership, for example, at a meeting in 2021, a decision was made to replace the roof in 2024 and the approximate estimate is $200,000. However, the co-ownership has barely $50,000 in its account, which is definitely not enough and threatens urgent additional payments. This is a valid reason for refusal of purchase.
Here are two interesting condo options in Brossard on the South Shore of Montreal:
Condo 3 bedrooms and garage, 359 000$:
Condo 2 bedrooms and garage, 298 000$:
There are also attractive proposals in Montreal:
Condo 2 bedrooms and garage, 347 700$:
Condo 3 bedrooms and garage, 359 000$:
Always ready to help you, Olga Ouspenski, real estate broker with 20 years of experience. Contact me : +1-514-999-9260, , or here www.OlgaOuspenski.net/.
Ceux qui envisageaient d’acheter une maison cet automne surveillent certainement la hausse des taux d’intérêt hypothécaires. Et pas seulement eux. Ceux qui ont déjà acheté un bien immobilier et doivent renouveler leur hypothèque cette année suivent également avec impatience les controverses qui éclatent dans la presse au sujet des intérêts croissants des banques. Il devient désormais clair que les prix de l’immobilier n’augmenteront pas de sitôt, mais diminueront très probablement, principalement pour les condos, qui sont moins recherchés que les maisons.
Mes clients qualifiés par la banque pour acheter une maison de 500 000 $ en 2022 ne sont éligibles que pour acheter une maison ou un condo de 400 000 $ cette année. Ainsi, plusieurs d’entre eux croient qu’il vaut mieux acheter un bon condo qu’une mauvaise maison. Tenez compte du fait qu’acheter un condo est beaucoup plus compliqué que d’acheter une maison. Vous achetez non seulement votre espace personnel, mais de plus des espaces communs à usage limité tels que des balcons ou des places de parking. Chaque propriétaire doit respecter les règles de vie de la maison. Par exemple, il peut être interdit d’avoir des chiens, de faire un barbecue sur le balcon ou de laver sa voiture sur le parking.
Une fois l’offre de l’acheteur acceptée par le vendeur, le futur propriétaire dispose d’un délai de 10 jours pour examiner les documents des assemblées annuelles et des comptes financiers des trois dernières années. Si l’acheteur n’est pas satisfait de la situation financière de la copropriété, par exemple, lors d’une assemblée pour 2021, une décision a été prise de remplacer la toiture en 2024 et l’estimation approximative est de 200 000 $. Cependant, la copropriété a à peine 50 000 $ à son compte, ce qui n’est réellement pas suffisant et menace de paiements supplémentaires urgents. C’est un motif valable de refus d’achat.
Voici deux options de condos intéressantes à Brossard sur la Rive-Sud de Montréal :
Condo 3 chambres et garage, 359 000$:
Condo 2 chambres et garage, 298 000$:
Il y a aussi des propositions attrayantes à Montréal:
Condo 2 chambres et garage, 347 700$:
Condo 3 chambres et garage, 359 000$:
Toujours prête à vous aider, Olga Ouspenski, courtier immobilier avec 20 ans d’expérience. Contactez-moi : +1-514-999-9260, , ou ici sur mon site www.OlgaOuspenski.net/
“I will start going to the gym when the children go to school”, “Here we will pay for the car — then we will go travelling”, we all went through this.
Having a dream or goal is not pathological in and of itself. It motivates us, helps us to act, to be active.
The behavior of a healthy person can be described by the triad “I want – I can – I do.” The mechanism of postponed life neurosis looks like this: “I want – I can – but I do not allow myself (until a certain time)”.
The so-called “delayed life neurosis” developed when a person did not realize his plans for years, put off solving pressing issues until a certain event occurred.
Now that mortgage rates have skyrocketed, many families have decided to put off buying a house or apartment until a “better future.”
True, no one can say when it will come? Unfortunately, bank interest has increased, but prices have stabilized!
Someday, mortgage interest will go down, but then prices will go up as well. A huge number of buyers are waiting for this moment.
You can continue to wait for better times by living in a rented apartment with mold or in a basement floor without sunlight, and continue to wait. However, this is not for several weeks or months, it can drag on for several years, which cannot be returned.
Let’s live today and no matter what, let’s start realizing our dreams! The best day to start is today!
Let the first house not be perfect, but in 3–5 years, when it will be necessary to renew the mortgage, part of it will be paid. Besides, prices do not stop rising, and it will be possible to sell this house and to buy the house of your dreams.
Since January 1, 2023, the Canadian government has prohibited non-Canadian buyers from acquiring residential property until December 31, 2024.
It is important to know that this law applies only to buildings located in a census metropolitan area with a total population of at least 100,000, of which at least 50,000 live in the core. Residences located outside these territories are excluded from the ban.