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Wednesday, 5 June 2013

Real Estate in Vancouver

Spring is often considered a bellwether for real Estate the number ofhome sales is still below the ten-year average but year over year thenumbers are up

What does that mean exactly ?

Optimistic the bubble may only have deflated slightly and fears of aburst.

Last sunday the owners of a half duplex in Vancouver sent theirrealtor

email saying they were interested in selling today, the property hasalready sold above list price

“the last three sales that I’ve had in the last ten days have all hadmultiple offices on them and that's reflected on the market haven'tseen in a little while three months ago that was certainly not the case.Now the buyers are excited about properties and they're confidentthat they're paying market value they're not questioning it so they'reready to move very quickly”

And while things appear to be looking up the latest numbers fromthe real estate board of greater Vancouver is still a slight increase inlistings up just one percent from may of last year at nine point sevenpercent from last month, overall down at nineteen point four percentover ten years as for prices.

Detached properties are down five point two percent townhousesdown to three point two percent and apartments selling down threepoint seven percent.

“I think that those numbers than the number of sales that weresinging and the buyer confidence that we're seeing out here every daywith the open houses are showing that it's not gonna be going downany further at all"

In the fraser valley the numbers are similar sales are up slightly fromlast

month but down about twenty percent compared to this time lastyear it still technically considered a buyer's market that one intransition

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Posted by Dionis Padron at 09:36 No comments:

and like any market some areas are doing better than others.

You can have an area where townhouses are doing really well intobox way condos uh... are doing well has an example in white rockright now condos uh... that would be on the corners and doing sowell because they have a lot new product that is coming onto themarket so that does affect existing project”

That compares to the townhouse market in langley which is beingdescribed as brisk back in vancouver it's easy to find sold stickersand the idea is that could be a sign of things to come

“I think we're gonna see a lot of sales in june because

the everybody needs to start buying places that have sold all of theirattached drawings and i think we're going to see some really goodsales in the higher priced points like one point five to two point five”

Well bucking the trend in a big way event cooper penthouse the justsold for twenty five million dollars the pictures pretty impressive thecondo is located in the fairmont pacific rim hotel and is one of themost expensive condos ever sold in Canada it's sixty four hundredsquare feet takes up to floors of the hotel has fourteen roomsincluding four bathrooms and three bedrooms there's a rooftopterrace overlooking coal harbour in the north shore mounds the unitspend six hundred fifty days on the market the new owner dot theprice down from twenty eight point eight million by the way thecondo fees are forty two hundred dollars a month the identity of thebuyer is not known.

Thanks for reading

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Thursday, 2 May 2013

Comprar su casa sin inicial en Canada es posible.En el mercado canadiense existe una serie de opciones no muy conocidas para el inmigrante pero quede calificar le permitirían adquirir su vivienda de inmediato, dejando de lado el pago de alquiler que noes más que descapitalización. Son programas diseñados para personas con un buen nivel de créditopero sin la disposición de una cuota inicial y están disponibles a todo residente permanente ociudadano. Son sencillas herramientas financieras que se pueden usar individualmente o en conjunto,entre las disponibles se encuentran:

Premium on CMHC

El Canadian Mortgage and Housing Corporation como institución del Estado garantiza como a todoslos residentes canadienses el cumplimiento de las obligaciones hipotecarias del comprador paracon el banco. Entre las opciones existentes está la aplicación de una tasa extra como cobertura delfactor de riesgo al no existir una cuota inicia. Esta opción requiere un excelente nivel de crédito.

5% Cash Back

Esta oferta bancaria se promociona a clientes que pueden obtener el monto necesario para la cuotainicial de 5%, beneficiándose de la devolución inmediata de este monto por parte de la instituciónbancaria al momento de cerrar la operación. Esta oferta tiene como particularidad que la tasa definanciamiento es superior a la media, esto debido al riesgo de otorgar una hipoteca sin colateral.

RRSP

¿Ha estado aportando consistentemente a su fondo de pensiones? El uso del fondo de pensionespara cuota inicial de una vivienda en sí mismo tiene varias modalidades. Este fondo puede usarsecomo préstamo o retiro parcial dependiendo de las necesidades y condiciones particulares del

Posted by Dionis Padron at 10:47 No comments:

Labels: comprar casa en Canada, Dionis Padron, Dionis Padron Real Estate TorontoLocation: Toronto, ON, Canada

como préstamo o retiro parcial dependiendo de las necesidades y condiciones particulares delsolicitante.

Préstamo Privado

El uso de esta modalidad permite hacer uso de la vivienda a ser adquirida como colateral de estepréstamo. Al ser una operación privada las condiciones son establecidas entre las partes y decomún acuerdo, requiriendo de la guía profesional de un abogado.

Línea de Crédito

Estas herramientas pueden ser utilizadas individualmente o en combinación para obtener elresultado deseado. El uso de una línea de crédito para obtener la cuota inicial es una prácticacomún poniendo a su disposición un crédito a bajo costo. Sin embargo requiere de un experto en elárea para guiarlo a través del proceso sin comprometer su situación crediticia.

100% Financiamiento para Jóvenes Profesionales

Esta opción está disponible a personas con solo 2 años de historial crediticio, fuente de ingresoestable durante 2 años y un credit score de 650 sin previa declaración de bancarrota. Siendo unfinanciamiento total, el banco limita las áreas de la ciudad donde se ubican los inmuebles, asícomo a sus características mínimas.

La recomendación para entender el funcionamiento de estos programas y como calificarindividualmente o en conjunto para su beneficio, sería reunirse con un agente inmobiliario que estéasociado con un buen mortgage broker; de esta manera podrán ofrecerle un panorama completo dela transacción. Un buen equipo inmobiliario podrá suministrarle toda la información que requieraguiandole para hacer uso de estos programas, asi como de todos los beneficios y exoneracionestributarias a las que calificaría en su situación particular.

Una consejo final, disfrute la busqueda de su nuevo hogar!

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Monday, 22 April 2013

Dionis Padron | How Your Credit Score AffectsHow Your Credit Score Affects How Much House You'll Be Able To Buy...

-Your credit score is now the most important factor in determining how much house you can buy, so if youare in the market for a new home, you need to understand how it affects you.

-In order to make it easy for mortgage companies to determine the risk of lending to you,they are using a system called credit scoring (also called "FICO" scores).

-When lenders look at your credit report, they can instantly see how much debt you have,how reliable you are with bill payments, and if you've had any bankruptcies within the lastseveral years.

-With your credit report, lenders get a "credit score" which takes all of this informationand boils it down to a number between 300 and 900. The higher the number, the less of acredit risk you are seen to be, and this is how lenders decide which types of loans you willbe eligible for.

-As with all new things, there is controversy over credit scores.

-To be elligible for some types of loans, you require a minimum credit score without anyexceptions. And credit scores fluctuate over time. In fact, the mere act of applying forcredit can lower your credit score.

How to make sure you have the highest credit score possible

-To maximize your credit score, you should avoid applying for any new credit cards orconsumer loans.

Posted by Dionis Padron at 12:04 No comments:

-Don't go to the discount store and take them up on the "No interest, no payments forone year" offer -- and avoid financing a car!

-After you buy your home and get your mortgage you can do all of these things, butbefore then it's a bad idea. Buying things on credit hurts your credit score, and leavesless money for your downpayment.

-Lenders also look at this figure to decide how much money they will lend you, and howmuch interest they will charge you on the loan.

-That's why it's best to wait until after you've bought your home to go shopping forfurniture and appliances. There is also another reason to wait.

-Once you've bought your home, you can get a loan for up to 100% of your home's valueto buy anything you want.

-And when you get a loan against your home, all of the interest you pay is tax-deductible!

If you learn to play by the rules of the lenders' game, you can get the best credit scorepossible, which improves the odds that you can get the home of your dreams. Forfurther professional advice please don't hesitate to contact us

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Saturday, 13 April 2013

Posted by Dionis Padron at 07:47 No comments:

Our Video related to your services.

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Wednesday, 10 April 2013

Dionis Padron Real EstateThe process of selling your property is simple and more so if you have good advice, this willguarantee there is no mistake or any missunderstanding during the process

One of the most important phases before selling your property is when the agent makes ananalysis of what would be a fair price, and the most convenient way to sell your home. This willensure that your property sale process is effective. The agent should be representing thetransaction at all times to ensure your benefit.

A careful calculation of the home value is the first and an important part of this process, whichtakes into consideration aspects of the market, supply, demand, and the location of the property.Once the price is agreed according to the analysis, the agent will register the information andspecifications of the property in the Toronto Real Estate Board, in order to have the property

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Labels: Dionis Padron, Dionis Padron Real Estate TorontoLocation: Toronto, ON, Canada

published in the MLS (Multiple Listing System), so all Realtors Licensed in the Province of Ontario,can have access to your property.

Also, our team applies different advertising and marketing strategies, ensuring that your property isconstantly exposed until sold. Some of these strategies are Open Houses, property advertising innewspapers and local magazines, advertising through Networking, postings on Web pages andsites of interest to those who are in search of homes.

There are important issues that should be taken into consideration, for owner-sellers of theproperty and represent a fundamental part of the sale process. One of these is the maintenance ofthe property, which must be in perfect order and cleanliness during the sale period which makes itmore attractive. It is also important to repair any damage visible or not visible, whose existencemight affect the desirability of the property in the eyes of the buyer. It is also important toimplement flexible schedules for visits of potential buyers, as this significantly increases thechances of selling the property.

Another element to consider for selling your property is the date, we can assure you fromexperience that the best date for the sale of a property is Spring. This is because the buyer wouldtake possession of the house during Summer, thus the possibility that the schools are on holiday,makes easier for families to move.

There are many aspects to consider when deciding to sell your property, but the most important isto make the right choice when you hire the professional services of your agent. Because of hisprofessionalism, honesty and ability, depend the success of tthe negotiation. So we remind youthat our team consists of professionals who are always at your service, supporting and ensuringyour interests.

Dionis Padron Real Estate Agent Toronto

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