در صورت تایید مالیات شهری جدید توسط شورای شهر تورنتو، بزودی خریداران خارجی که قصد خرید ملک در تورنتو را دارند با قیمتهای بسیار بالاتری مواجه خواهند شد. هدف از وضع این مالیات بهبود اوضاع فعلی مسکن است.
در صورت تایید این مالیات جدید Municipal Non-Resident Speculation Tax (MNRST) که در دستور کار هفته آینده شورای شهر قرار گرفته است، خریداران خارجی میبایست از ابتدای ژانویه 2025 برای خرید واحدهای مسکونی ده درصد مالیات بیشتر پرداخت کنند.
هدف اصلی این طرح، تضمین وجود واحدهای مسکونی بیشتر در بازار و افزایش قدرت خرید افراد است.
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در صورت تایید این مالیات جدید Municipal Non-Resident Speculation Tax (MNRST) که در دستور کار هفته آینده شورای شهر قرار گرفته است، خریداران خارجی میبایست از ابتدای ژانویه 2025 برای خرید واحدهای مسکونی ده درصد مالیات بیشتر پرداخت کنند.
هدف اصلی این طرح، تضمین وجود واحدهای مسکونی بیشتر در بازار و افزایش قدرت خرید افراد است.
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5 Things to Do Before Applying for a Mortgage
While the journey to first-time homeownership can be full of dizzying highs and lows, understanding the mortgage process can make the trip a lot smoother.
There are generally five things first-time home buyers should do before applying for a mortgage:
1. Talk to a mortgage specialist
2. Build a realistic budget
3. Get pre-approved
4. Organize your financial statements
5. Start the search
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While the journey to first-time homeownership can be full of dizzying highs and lows, understanding the mortgage process can make the trip a lot smoother.
There are generally five things first-time home buyers should do before applying for a mortgage:
1. Talk to a mortgage specialist
2. Build a realistic budget
3. Get pre-approved
4. Organize your financial statements
5. Start the search
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The Most Accurate Home Price Tool: What Buyers and Sellers Need to Know About the MLS® Home Price Index
If you’ve been keeping an eye on real estate markets lately, you’ve likely seen references to the MLS® Home Price Index (HPI). And while you might know it’s an indicator of what property prices are doing at any given moment, you may not be familiar with exactly what the numbers mean, how they’re calculated, and how the info can benefit you if you’re buying, selling, or simply tracking the value of your home.
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If you’ve been keeping an eye on real estate markets lately, you’ve likely seen references to the MLS® Home Price Index (HPI). And while you might know it’s an indicator of what property prices are doing at any given moment, you may not be familiar with exactly what the numbers mean, how they’re calculated, and how the info can benefit you if you’re buying, selling, or simply tracking the value of your home.
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First, what is the MLS® Home Price Index?
“It’s a tool that tracks the changes in home prices over time,” says Chris Jokel, Senior Data Engineer at the Canadian Real Estate Association (CREA). “It’s an advanced, highly accurate way to gauge prices and trends in specific areas—an approach that’s a lot more meaningful than an average or median, which can be skewed by unusually high or low prices or low sales volumes.”
The MLS® HPI—available exclusively to REALTORS®—is calculated monthly and covers the majority of housing markets in Canada. It looks at quantitative factors like square footage and number of bedrooms, and qualitative factors like whether there’s a finished basement or the home has been renovated. The MLS® HPI is based on the value buyers assign to those attributes, according to sold prices, and those values can change over time. For example, the value of home offices and indoor living areas jumped during the pandemic.
By comparing the price of a 2,000 square-foot renovated three-bedroom house in a specific area over time, the MLS® HPI provides a meaningful “apples-to-apples” comparison that helps REALTORS®, buyers, and sellers accurately determine value and make informed decisions.
Understanding the numbers
The MLS® HPI measures price changes based on a specific start date (also called a base period), which is currently January 2005. The base always has an index of 100. So, if you see an MLS® HPI of 120, that means there’s been a 20% increase in prices from that start date. An MLS® HPI of 90 would mean prices have dropped by 10% from that date. And a MLS® HPI of 350—which is closer to what many Canadian markets are seeing now—reflects a 250% jump.
More common measures are year-over-year (e.g. November 2022 to November 2023) and month-over-month (October 2023 to November 2023).
What types of data does the MLS® HPI look at?
There’s no point comparing a two-bedroom bungalow in a small town to a four-bedroom detached home in a big city. The index compares like to like, looking at a wide variety of factors to create a benchmark. Those attributes include:
— property type (single family, apartment, townhouse/row unit, etc.);
— number of bedrooms and bathrooms;
— square footage and lot size;
— fireplace, finished basement;
— how old the property is;
— heating system, foundation, flooring, siding, roofing;
— parking (number of spots in a garage or outside);
— views (waterfront, panoramic, brick wall); and
— proximity to amenities (shopping, schools, hospitals, parks, transportation, etc.).
The actual monthly numbers come from the previous month’s home sales, taken from participating boards’ MLS® Systems for specific geographic areas. The data is cleaned to remove inconsistency and outliers, like properties with unusual characteristics or exceptionally high or low prices not typical for the area. Then, to account for changes in the mix of properties being sold, the MLS® HPI assigns different weights to various property types and regions to reflect the relative importance of each type and region to the market.
How the MLS® HPI helps buyers and sellers
“Understanding price trends over time can help you see the big picture and get an accurate sense of the value of a home you’re looking to buy or sell,” says Jokel. “It gives REALTORS® and their buyer clients a better idea of what to offer, and helps REALTORS® and their seller clients price their properties right and know which offers to say yes to.”
When you combine this exclusive tool with a REALTOR®’s expertise in all things real estate, that’s when the magic really happens. A REALTOR® will be able to help you understand and interpret the data, work with you to price your home accurately, and show you how to use that knowledge to make informed decisions and buy and sell with confidence.
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“It’s a tool that tracks the changes in home prices over time,” says Chris Jokel, Senior Data Engineer at the Canadian Real Estate Association (CREA). “It’s an advanced, highly accurate way to gauge prices and trends in specific areas—an approach that’s a lot more meaningful than an average or median, which can be skewed by unusually high or low prices or low sales volumes.”
The MLS® HPI—available exclusively to REALTORS®—is calculated monthly and covers the majority of housing markets in Canada. It looks at quantitative factors like square footage and number of bedrooms, and qualitative factors like whether there’s a finished basement or the home has been renovated. The MLS® HPI is based on the value buyers assign to those attributes, according to sold prices, and those values can change over time. For example, the value of home offices and indoor living areas jumped during the pandemic.
By comparing the price of a 2,000 square-foot renovated three-bedroom house in a specific area over time, the MLS® HPI provides a meaningful “apples-to-apples” comparison that helps REALTORS®, buyers, and sellers accurately determine value and make informed decisions.
Understanding the numbers
The MLS® HPI measures price changes based on a specific start date (also called a base period), which is currently January 2005. The base always has an index of 100. So, if you see an MLS® HPI of 120, that means there’s been a 20% increase in prices from that start date. An MLS® HPI of 90 would mean prices have dropped by 10% from that date. And a MLS® HPI of 350—which is closer to what many Canadian markets are seeing now—reflects a 250% jump.
More common measures are year-over-year (e.g. November 2022 to November 2023) and month-over-month (October 2023 to November 2023).
What types of data does the MLS® HPI look at?
There’s no point comparing a two-bedroom bungalow in a small town to a four-bedroom detached home in a big city. The index compares like to like, looking at a wide variety of factors to create a benchmark. Those attributes include:
— property type (single family, apartment, townhouse/row unit, etc.);
— number of bedrooms and bathrooms;
— square footage and lot size;
— fireplace, finished basement;
— how old the property is;
— heating system, foundation, flooring, siding, roofing;
— parking (number of spots in a garage or outside);
— views (waterfront, panoramic, brick wall); and
— proximity to amenities (shopping, schools, hospitals, parks, transportation, etc.).
The actual monthly numbers come from the previous month’s home sales, taken from participating boards’ MLS® Systems for specific geographic areas. The data is cleaned to remove inconsistency and outliers, like properties with unusual characteristics or exceptionally high or low prices not typical for the area. Then, to account for changes in the mix of properties being sold, the MLS® HPI assigns different weights to various property types and regions to reflect the relative importance of each type and region to the market.
How the MLS® HPI helps buyers and sellers
“Understanding price trends over time can help you see the big picture and get an accurate sense of the value of a home you’re looking to buy or sell,” says Jokel. “It gives REALTORS® and their buyer clients a better idea of what to offer, and helps REALTORS® and their seller clients price their properties right and know which offers to say yes to.”
When you combine this exclusive tool with a REALTOR®’s expertise in all things real estate, that’s when the magic really happens. A REALTOR® will be able to help you understand and interpret the data, work with you to price your home accurately, and show you how to use that knowledge to make informed decisions and buy and sell with confidence.
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11 Pieces of Advice for First-Time Home Buyers
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 some of the 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
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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 some of the 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
.
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تصاویر هوایی بسیار زیبا از ظاهر نیمه یخزده آبشار نیاگارا
🔻نهاد صنفی مشاوران املاک کانادا CREA پیش‌بینی می‌کند، اگر آن طور که اقتصاددانان پیش‌بینی می‌کنند نرخ‌های بهره کاهش بیابد، بازار مسکن امسال مجددا رونق خواهد گرفت.
🔹 این در حالی است که سال گذشته، بر اساس داده‌های انجمن املاک و مستغلات کانادا The Canadian Real Estate Association یا CREA، شاهد کمترین میزان فروش ملک از سال ۲۰۰۸ تاکنون بوده‌ایم.
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🔹 این در حالی است که سال گذشته، بر اساس داده‌های انجمن املاک و مستغلات کانادا The Canadian Real Estate Association یا CREA، شاهد کمترین میزان فروش ملک از سال ۲۰۰۸ تاکنون بوده‌ایم.
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🔹 آقای Shaun Cathcart، اقتصاددان ارشد در نهاد صنفی مشاوران املاک کانادا CREA می‌گوید این امر بازتابی از این واقعیت است که «شوک نرخ بهره‌ای که در دو سال گذشته از سر گذرانده‌ایم» سنگین‌تر از هر چیزی است که او در دوران کاری خود شاهد بوده است، از جمله در خلال بحران مالی ۲۰۰۸.
🔹 او می‌گوید: «چیزی بازار را واقعا به عقب هل داد، و حالا آن چیز قرار است که دیگر نباشد، به همین خاطر ما پیش‌بینی می‌کنیم که بازار رونق دوباره‌ای را تجربه خواهد کرد.»
🔹 پایین آمدن نرخ‌های بهره، به اضافه‌ی تقاضای انباشته شده و افزایش جمعیت، به این معناست که، به گفته‌ی آقای Cathcart، سال ۲۰۲۴ سال رونق دوباره بازار خواهد بود.»
🔹 او می‌گوید افزایش میزان فروش چشمگیر نخواهد بود، بلکه آهسته آهسته به سطوح نرمال‌تری نزدیک خواهد شد.
🔹 انتظار می‌رود که نزدیک به ۵۰۰ هزار واحد مسکونی در ۲۰۲۴، در سراسر کشور، به فروش برسد، که حدود ۱۰ درصد بالاتر از ۲۰۲۳ است.
🔹 میانگین کشوری قیمت خانه نیز پیش‌بینی می‌شود که با حدود ۲ درصد افزایش، به ۶۹۵ هزار دلار برسد.
🔹 قیمت‌ها و میزان فروش خانه، طبق برآورد CREA، در ۲۰۲۵ نیز به روند صعودی خود ادامه خواهند داد.
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🔹 او می‌گوید: «چیزی بازار را واقعا به عقب هل داد، و حالا آن چیز قرار است که دیگر نباشد، به همین خاطر ما پیش‌بینی می‌کنیم که بازار رونق دوباره‌ای را تجربه خواهد کرد.»
🔹 پایین آمدن نرخ‌های بهره، به اضافه‌ی تقاضای انباشته شده و افزایش جمعیت، به این معناست که، به گفته‌ی آقای Cathcart، سال ۲۰۲۴ سال رونق دوباره بازار خواهد بود.»
🔹 او می‌گوید افزایش میزان فروش چشمگیر نخواهد بود، بلکه آهسته آهسته به سطوح نرمال‌تری نزدیک خواهد شد.
🔹 انتظار می‌رود که نزدیک به ۵۰۰ هزار واحد مسکونی در ۲۰۲۴، در سراسر کشور، به فروش برسد، که حدود ۱۰ درصد بالاتر از ۲۰۲۳ است.
🔹 میانگین کشوری قیمت خانه نیز پیش‌بینی می‌شود که با حدود ۲ درصد افزایش، به ۶۹۵ هزار دلار برسد.
🔹 قیمت‌ها و میزان فروش خانه، طبق برآورد CREA، در ۲۰۲۵ نیز به روند صعودی خود ادامه خواهند داد.
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Canadian Home Sales See Unexpected Surge to Close Out 2023
National Housing Snapshot for December 2023
Home sales increased by 3.7% across Canada, with 22,628 units sold in December 2023, compared to 21,816 in December 2022.
New listings increased by 5.8% across Canada, with 25,671 new listings added in December 2023, compared to 24,260 in December 2022.
The average price of homes sold across Canada in December 2023 was $657,145, an increase of 5.1% from $625,116 in December 2022.
Real Estate Buyers and Sellers:
We are with you from the beginning to the end with a professional team in selling and buying your dream home.
Services rendered:
— Providing loans with the lowest interest rates available in the market (First, Second, Third Mortgages)
— Free evaluation of your home
— Finding your dream home according to location and budget
— Obtaining complete market information in order to make the right decision when buying or selling a house/condo
☎️ Ways to contact us via Phone, and Email:
+1 (647) 772-9502
hoizady@yahoo.com
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Home sales increased by 3.7% across Canada, with 22,628 units sold in December 2023, compared to 21,816 in December 2022.
New listings increased by 5.8% across Canada, with 25,671 new listings added in December 2023, compared to 24,260 in December 2022.
The average price of homes sold across Canada in December 2023 was $657,145, an increase of 5.1% from $625,116 in December 2022.
Real Estate Buyers and Sellers:
We are with you from the beginning to the end with a professional team in selling and buying your dream home.
Services rendered:
— Providing loans with the lowest interest rates available in the market (First, Second, Third Mortgages)
— Free evaluation of your home
— Finding your dream home according to location and budget
— Obtaining complete market information in order to make the right decision when buying or selling a house/condo
☎️ Ways to contact us via Phone, and Email:
+1 (647) 772-9502
hoizady@yahoo.com
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مقرون به صرفه بودن هزینه‌های زندگی مهمترین نگرانی برای کانادایی‌ها است
همزمان با آغاز به کار مجدد پارلمان روز دوشنبه یک نظرسنجی جدید بیان می‌کند که مسائل مربوط به مقرون به صرفه بودن اولویت اصلی برای کانادایی‌ها است.
نظرسنجی ایپسوس به طور انحصاری برای گلوبال نیوز نشان داد که 49 درصد از کانادایی‌ها می‌گویند که کاهش هزینه اقلام روزمره مانند گروسری مهمترین دغدغه آنهاست و می‌خواهند نمایندگان پارلمان در جلسه جدید پارلمان روی آن تمرکز کنند. تورم و نرخ بهره (45 درصد) و دسترسی به مسکن ارزان قیمت (39 درصد) از دیگر اولویت‌های برتر کانادایی‌ها است.
طبق نظرسنجی ایپسوس، مهاجرت چهارمین اولویت بزرگ است که پارلمان باید به آن بپردازد. بیست و دو درصد از پاسخ دهندگان گفتند که اکنون اولویت اصلی است.
این نظرسنجی می‌گوید که کانادایی‌ها سیاست‌های مهاجرتی، از جمله سقف دانشجویان بین‌المللی، را به کمبود مسکن مرتبط می‌دانند.
سایر اولویت های مشترک که بیش از 10 درصد از پاسخ دهندگان به آن اشاره کردند، عبارتند از بی خانمانی، هزینه انرژی و طرح بیمه دندانپزشکی.
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همزمان با آغاز به کار مجدد پارلمان روز دوشنبه یک نظرسنجی جدید بیان می‌کند که مسائل مربوط به مقرون به صرفه بودن اولویت اصلی برای کانادایی‌ها است.
نظرسنجی ایپسوس به طور انحصاری برای گلوبال نیوز نشان داد که 49 درصد از کانادایی‌ها می‌گویند که کاهش هزینه اقلام روزمره مانند گروسری مهمترین دغدغه آنهاست و می‌خواهند نمایندگان پارلمان در جلسه جدید پارلمان روی آن تمرکز کنند. تورم و نرخ بهره (45 درصد) و دسترسی به مسکن ارزان قیمت (39 درصد) از دیگر اولویت‌های برتر کانادایی‌ها است.
طبق نظرسنجی ایپسوس، مهاجرت چهارمین اولویت بزرگ است که پارلمان باید به آن بپردازد. بیست و دو درصد از پاسخ دهندگان گفتند که اکنون اولویت اصلی است.
این نظرسنجی می‌گوید که کانادایی‌ها سیاست‌های مهاجرتی، از جمله سقف دانشجویان بین‌المللی، را به کمبود مسکن مرتبط می‌دانند.
سایر اولویت های مشترک که بیش از 10 درصد از پاسخ دهندگان به آن اشاره کردند، عبارتند از بی خانمانی، هزینه انرژی و طرح بیمه دندانپزشکی.
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