1:如果您的offer没有被卖家接受,不要沮丧。对于很多第一次买房的朋友来说,经过几次offer不被接受的情况,可能信心会受到打击。尤其是在市场火热抢房的时候,真的是非常考验买家的抗击打能力的。但回过头来,我们必须在每次offer没有被接受之后,和自己的房产经纪讨论没有被接受的理由,到底是价格的因素,还是有其他的原因,比如成交日期不符合卖家要求,定金金额太少,解除条件的时间太长,购房合同中的条件太多等。

2.愿意走出舒适区。
3.规划所有开支。
4.如果不能一步到位,那么可以考虑先买小户型,之后等资金到位后,再置换。理解这一点其实很重要,有一些买家一直想要一步到位,但是自己的资金情况和想要购买的房子价格不匹配,等待的过程如果太长,很有可能会有踏空的风险。
5.利用技术。
6.对这个过程要有耐心。
7.你的家要花多少钱。
8.尽早寻找房地产经纪人®。
9.四处寻找抵押贷款利率。在买房之前,强烈建议先和不同的银行贷款经理或者贷款经纪沟通,作一个预审批,了解自己的贷款上限,这样加上自己的收付款,就可以比较清楚的计算出购房的预算。并且有了银行的预批信,在和卖家的沟通过程中,卖家会更愿意和这类的买家谈判。
10.不要完全耗尽你的积蓄。不要满打满算,对于预算,需要流出一部分备用资金,用于支付房产过户税,律师费,验房费,交房之后的维修费等。
11.考虑替代住房选择。如果$120万在大温地区买不到合适的独立屋,那何不考虑下Duplex 双拼别墅, 联排别墅,公寓?或者在大温以外的地区选择更合适的独立屋?

 

11 Pieces of Advice for First-Time Home Buyers

 

Article written by Meagan Kelly

If you’re looking to make the leap into homeownership, you’ve come to the right place. Whether you’re wanting to buy a house, townhome, condo, new build or land, you need to have a grasp on how a real estate transaction works. We reached out to REALTORS® from across Canada to ask for some of their best advice for first-time home buyers. Hear from the experts on things like:

  1. Not getting discouraged if your offer isn’t accepted
  2. Being willing to look outside your comfort zone
  3. Planning for all expenses
  4. Understanding you may have to start small
  5. Leveraging technology
  6. Being patient with the process
  7. How much to spend on your home
  8. Finding a REALTOR® early
  9. Shopping around for mortgage rates
  10. Not completely draining your savings
  11. Considering alternative housing options

 

1. Don’t get discouraged if your offer isn’t accepted 

It’s bound to happen. You find what you think is the only home you’ll ever love, put in an offer, and it ends up getting rejected. Don’t let this halt your journey! Instead, use it as motivation to find something even better. 

“A rejected offer is not the end of your home buying journey,” says Nicole Ryan, a REALTOR® and salesperson with eXp Realty in Dundurn, Saskatchewan. “While it’s normal to feel disheartened, don’t let it dampen your spirits. Keep a positive mindset and remain dedicated to finding your perfect home that aligns with your needs and preferences. Working with an experienced REALTOR® can make a significant difference.”

Explore neighborhood trends to broaden your home search

2. Be willing to look outside of your comfort zone

“When it comes to finding your ideal home, it’s important to broaden your horizons,” explains Ryan Elliott, a REALTOR® with Royal LePage Atlantic Homestead in St. John’s, Newfoundland and Labrador. “Step beyond familiar neighbourhoods and consider exploring lesser-known areas. By venturing outside your comfort zone, you open yourself up to a wider range of housing options, potentially discovering hidden gems.”

Remember, each neighbourhood has its own unique charm and character. Attend local events, visit parks and amenities, and immerse yourself in the culture of different neighbourhoods. 

“Exploring unfamiliar communities gives you the opportunity to discover vibrant new environments that may surprise and delight you,” Elliott adds.

Your REALTOR® will also be able to assess trends in potential neighbourhoods, giving you the full picture of where a community stands before making a decision. 

Create a precise financial plan to avoid future financial burdens

3. Plan for all expenses, not just your down payment 

Your down payment is important, but it’s not the only expense to consider when saving for a home.  

“Don’t overlook additional expenses like closing costsproperty taxes, and homeowner’s insurance, and potential maintenance fees,” says Lisa Kloeble, a REALTOR® and salesperson with eXp Realty in Saskatoon, Saskatchewan. “By considering these costs from the start, you can develop a more precise financial plan and avoid any unforeseen financial burdens in the future.” 

Curious about the financial responsibilities of buying a home? Here’s our guide on determining if you’re financially ready to buy a home. Oh, and don’t forget about furnishings and finishing touches; you’ll want to make your new place feel like home, and those costs should be included in your budget.

Consider starting small for first-time buyers

4. Understand you might have to start small 

Your first purchase won’t necessarily be your last purchase. Though the idea of a starter home may mean different things to different people, it typically means starting in a smaller space before working up to your forever home.

“I’ve seen so many articles about buyers worrying about being able to afford to purchase a property,” says Jeneen Marchant, a REALTOR® and associate with RE/MAX Real Estate in Edmonton, Alberta. “Everyone has to start somewhere, and there’s nothing wrong with starting in a nice, more affordable condo, townhome, or semi-detached property versus a larger single-family home. Just because you can afford a higher price based on your pre-approval, sometimes it’s better to start a bit smaller. Buying real estate has stepping stones versus going straight to the end game.”

“Starting small can be an excellent strategy for first-time buyers,” echoes Kloeble. “Don’t underestimate the potential of a cozy starter home that may not tick all the boxes, but can serve as a stepping stone towards your dream house. By beginning with a more affordable option, you can accumulate equity, build your financial stability, and eventually upgrade to a larger or more desirable property in the future.”

Leverage technology to explore available options

5. Leverage technology

No, technology can’t replace the experience of walking into a home side-by-side with your REALTOR® and feeling it out, but it can help you get a better sense of what’s available in your area, or maybe let you explore homes that aren’t in your neighbourhood.

“Technology can be your greatest ally [as a home buyer],” says Elliott. “Use online platforms, real estate apps (like the REALTOR.ca app), and virtual tours to explore properties remotely. This allows you to cast a wider net, investigate new areas, and narrow down your options before embarking on physical visits. Embracing technology empowers you to make informed decisions and saves valuable time during the home buying process.”

Be patient in the home buying process

6. Be patient with the home buying process

While yes, some people walk into their first open house and instantly know it’s the home for them, that’s typically not the case. For some, it can take months to find the right home. Sure, it can be frustrating, but that patience will pay off. 

“Patience is a virtue when it comes to the home buying process,” Ryan explains. “It can be tempting to rush into a decision, especially when you’re eager to become a homeowner. However, finding the right home takes time. Be patient, trust the process, and keep searching for the right match. Remember, a little extra time invested can lead to finding a home that truly meets your expectations and brings you long-lasting happiness.”

Carefully assess your home budget

7. Think about how much you want to spend on your home

You’ll need to give serious thought to how much you want to spend on your home itself, remembering you’ll also need to pay utility bills, insurance, mortgage, and property taxes. 

“It’s essential to evaluate how much you truly want to spend on your house, taking into account not only your mortgage approval, but also your long-term financial goals,” says Kloeble. “While it may be tempting to stretch your budget to the maximum, remember a higher mortgage means higher monthly payments and potentially more strain on your finances. Take the time to assess your comfort level and choose a mortgage amount true to your lifestyle and future aspirations.” 

It’s also important not to get drawn into the “just a little bit more” mentality. 

“Stick to your budget and prioritize what truly matters to you,” advises Kloeble. “It’s easy to get caught up in comparing your home to others or engaging in bidding wars that push your limits. Stay true to your financial plan and focus on finding a home that meets your needs, provides you with comfort, and is in line with your long-term goals.”

Find a REALTOR® early to guide you in the right direction

8. Find a REALTOR® early

The expertise of your REALTOR® is invaluable from the start, and can help steer you in the right direction before you head too far down a wrong path. 

“To navigate uncharted territory confidently, it’s crucial to seek guidance from experienced professionals,” says Elliott. “Enlist the help of a REALTOR® who specializes in the areas you’re exploring. These experts possess insider knowledge, market insights, and a deep understanding of local dynamics.”

Your REALTOR® will also help with the more complex components of buying a home, from mortgage shopping to legal issues. 

“Buying a home is a major life event and it will never be completely stress-free, but our job as your REALTOR® is to guide you along the way and to ensure every step is completed before moving on to the next one,” explains Marchant. “Between pre-approval, home shopping, possession, and beyond, a REALTOR® is there to help. There are also many other unplanned expenses and legal issues with buying a property where you need a professional to help guide you along the way.”

Find a REALTOR® early The expertise of your REALTOR® is invaluable from the start, and can help steer you in the right direction before you head too far down a wrong path. “To navigate uncharted territory confidently, it's crucial to seek guidance from experienced professionals,” says Elliott. “Enlist the help of a REALTOR® who specializes in the areas you’re exploring. These experts possess insider knowledge, market insights, and a deep understanding of local dynamics.” Your REALTOR® will also help with the more complex components of buying a home, from mortgage shopping to legal issues. Find a REALTOR® early to guide you in the right direction

9. Shop around for mortgage rates

Whether you’re working with a mortgage broker or going directly to lenders, you’ll want to get a few different options before locking in with one rate. 

“When it comes to getting a mortgage, resist the urge to settle for the first rate that comes your way,” Kloeble suggests. “Invest the time to explore different lenders and compare rates. Partnering with a lender who understands your financial objectives can lead to a rate tailored to your needs, resulting in significant savings throughout the loan term. By putting in a little extra effort to research and analyze rates, you can maximize long-term savings while ensuring your financial well-being.”

Compare multiple mortgage options before choosing

10. Don’t completely drain your savings. 

There’s nothing wrong with putting down a large down payment on your first home, but make sure you’re not using every dollar you’ve saved in order to do it. 

“While it’s exciting to invest in your dream home, it’s crucial to maintain a financial safety net,” says Ryan. “Avoid completely draining your savings for the down payment, as unexpected expenses may arise after purchasing your home. It’s wise to keep some savings aside for emergencies, repairs, or any unforeseen circumstances. By maintaining a financial cushion, you can navigate homeownership with greater peace of mind and financial security.” 

You should also look into different first-time buyer savings accounts to help maximize your dollar. 

Avoid depleting savings with a large down payment

11. Consider alternative housing options

Just as you might be stepping out of your comfort zone for neighbourhoods and features, you should also be looking at different types of housing and homeownership. 

“Explore different types of properties such as townhouses, condos, or even older homes,” Elliott suggests. “These alternatives may offer compelling advantages like lower maintenance, enhanced amenities, or larger properties. By embracing diversity in housing options, you expand your chances of finding the perfect home that suits your unique lifestyle.”

Expand your chances of finding the perfect home for your lifestyle

By taking these tips from the pros into account—and reaching out to your own REALTOR® for support—you can move through the home buying process with less stress and more time to enjoy the ride. 

简单来说,对于本身收入稳定,贷款金额和报税收入匹配的买家来说,如果自己有时间并且有能力和银行去谈的话,那么这种方法会得到更好的利率。但缺点就是个人需要去各大银行货比三家,并且如果不熟悉银行内部流程,短时间内进行多次credit check, 可能会对信用分产生影响。

而对于收入波动较大,贷款需求比较复杂的客人,并且工作非常繁忙,没有时间自己亲力亲为的买家,找一个有经验的专业贷款经纪,也是一个不错的选择。优点就是贷款经纪会帮您货比三家,他们对于不同银行的政策比较了解,在和您沟通完之后,基本上就能锁定几个银行或贷款机构能够满足您的需求,少走弯路。缺点就是会有一定的手续费, 贷款金额的1-2%。

总之,对于买家来说,在选择贷款经纪之前,可以和对方先确认费用结构,以及对方所提供的服务内容,然后再作决定。 

 

What’s the difference between a mortgage broker and a direct lender? 

A mortgage broker is a licensed professional who acts as a bridge between potential home buyers and lenders. Shane Ferrao, a mortgage broker with YourMortgageYourWay.ca, says a broker will shop around for mortgage solutions on your behalf to ensure you get the best deal. They can also assist with finding lenders other than traditional institutions. 

“Mortgage brokers have relationships with dozens of lenders. For example, our brokerage works with over 59 different institutions,” Ferrao explains. “This helps us compare products so that we get potential home buyers the best deal.”

A direct lender is a bank, financial institution, or private corporation that provides mortgages and loans. They’re the ones deciding whether or not you qualify. Typical direct lenders are banks, whether national or international, as well as small to large financial institutions, like credit unions and virtual lenders. When you get a mortgage through a direct lender, you’ll be speaking directly to the people signing off on your loan. You’ll typically engage with a financial advisor or an employee that works at the institution, usually by booking a meeting in person or filling out an online form.

 Working with a mortgage broker

A broker is legally obligated to work with your best interest in mind, so you can feel at ease knowing along with your REALTOR®, you have another professional on your side that’s in your corner.

“A broker can help you navigate the ins and outs of all of the paperwork, and you’ll have a direct contact who is working in your favour,” Ferrao explains. “Mortgage brokers work for the customer and also for the lenders.”

As mentioned, a big advantage of a broker is they work with multiple lenders, some who don’t deal directly with the public and can sometimes get you approved even if you’ve been rejected by traditional banks. A broker will collect information regarding your financial situation—income, tax returns, credit reports, etc.—which are required by a lender, then evaluate how much you might be able to borrow and look into your best options. They know which lenders are more likely to offer certain types of mortgages, or ones that typically don’t approve loans for certain types of properties.  

Traditional lenders pay mortgage brokers, however some alternative lenders don’t pay as much. If a mortgage broker isn’t charging you a fee, that means they’re being paid by the lender. One potential disadvantage of going with a mortgage broker is if you don’t qualify for a mortgage with a traditional lender, brokers may charge a fee at closing, ranging from 1% to 2% of the mortgage balance requested. Bruised credit and insufficient income could be a couple of reasons why your mortgage would have to be placed with an alternative lender.

There’s also something called the loan origination fee charged by the banks, but in most cases when you use a broker, this is paid to the broker.  

 Working with a lender

The advantage of going with a direct lender is you’ve probably built a history with an institution, whether it’s a bank you’ve been dealing with since a young age or a digital bank you trade with. This previous history can make the process more comfortable for borrowers, especially if it’s your first time purchasing a home. Plus, if you have an existing relationship with the institution, you may be able to get a better rate or contract terms.

Going to the lender directly may also help you to skip out on fees associated with some mortgage brokers. However, the loan origination fee still applies—it’s just paid to the bank. The lender also makes money on the interest you pay, late fees, and other charges that may come up during the closing period. 

If you’re going to a direct lender, you’ll have to do your own research to find the best rate, as you’ll only see the mortgage products available at one particular institution. Once you compile all the options, you’ll have to sort through which makes the most sense for you based on mortgage type and rate. 

Curious how much your payments might change based on different rates? Tools like the REALTOR.ca Mortgage Calculator can help give you a better picture.

Moreover, if you plan on exploring different lenders, you’ll need to get credit checks with each one, which can count as a hit on your credit score, unless you get all checks within two weeks of each other. Lenders may also have a higher threshold for mortgage approval.

Whether you choose a direct lender or a mortgage broker, your REALTOR® can help connect you with the right person to help you secure a loan. They’ll be able to provide you with a list of trusted professionals they can vouch for and have worked with in the past. Once you’ve confirmed your ready to start the hunt for a property, let your REALTOR® know so they can provide all the guidance you’ll need. 

 

February saw steady home buyer demand and reduced home seller supply across Metro Vancouver*.

The Real Estate Board of Greater Vancouver (REBGV) reports that residential home sales in the region totalled 2,150 in February 2020, a 44.9 per cent increase from the 1,484 sales recorded in February 2019, and a 36.9 per cent increase from the 1,571 homes sold in January 2020.

A contract is a legally binding agreement between two or more parties and describes the rights and obligations of the parties to the contract.

Where a contract has been properly drafted and signed by the parties to the contract, and where the terms are clear and the contract is not for an illegal purpose, then it is likely that a Canadian court would consider the contract valid and enforceable.

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The trademarks REALTOR®, REALTORS® and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned and administered by CREA. Not intended to solicit those home buyers or home sellers that are under a current agency agreement.

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