Narito napo ang kailangan nyo iprepare for down payment at ang monthly cost ng bahay! Bonus narin, dinagdag ko narin po ang monthly cost of living namin ni Dianne! Sana makatulong sa mga nag paplano pumunta ng CANADA! TO GOD ALL BE THE GLORY!
Why should we rent if we can buy po? And if you think kami lang titira sa 3 beds na to, hindi po mag make sense yun kadi dalawa lang kame ni wife :) Currently 2 families po nasa bahay, and soon may isa pang ma add for the 3rd room, and soon, another family will rent the basement. Hmmm.. tell me kung mali ginawa po namin :)
@lalalal8111isip isip din po bago mg comment, d lahat ng plans nila sinasabi nila. You don't know their hustles. He said it right, if he can buy it bat nga ba mag rrent pa. Nag aral po sya para maintindihan mga gantong pag iisip so Hindi nman siguro nasayang. 😅 ✌️
Laki ng monthly expenses, napaisip tuloy kami ni Emma. Saka na muna pala kami kukuha ng bahay. Need tlga paghandaan yan, Congrats sa inyo magasawa. God bless
Oo kuya! Nakaka lula na ang bills 😅😅 see you around kuya! God bless and keep sharing your experiences ni ate emma din to help aspiring students/immigrants sa decision nila
Very brave couple and the same time smart move ❤😊, imagine you have total of 3 bedroom na pwd ipa rent witch will cost around 1.2k per room or higher dipende sa inyo, konti lng different during nag rent kayo! The good thing you have your own house and it will become your asset 😊
Hi Drey Congaratulations! I am happy for you and Diane. I hope baby naman soon. You are blessed like my daughter in New Brunsswick 5 years na sila don nakabili na rin sila mg bahay at lupa two years pa lang sila don at nadagdagan na ng baby girl ang anak nila at Canadian citizen na rin sila kaya maganda talaga pipili ka ng province kung saan ka komportable. 😊God bless more🙏🙏
May interest pa 7 percent lock in for 5 years. thats why hindi ako kumuha ng bahay kasi ang dami pa bayaran.. not mor5gage alone.. yes may equity sya.. pero kina calculate ko sya in my 5 years kung inipon ko ang pera ko combined with my husband as what im doing now nagkaroon kmi ng 120k for 5 years ipon.. hindi lang yan kung wala lang mga unexpected emergency sa pinas more pa... kaya takot ako mag tapon ng pera para sa bills.. ang hirap mag trabaho tas mapupunta lang sa bills and repair.. lugi para sa akin...
My friend who lives in Calgary doesn’t take any realtor representative instead he goes directly to sales consultant from the builder bought brand new townhomes and he save 10k cause representative also take money from the builder when the townhomes was sold . So for those who are interested to buy house try this experience.
That's what we did when we bought a new build, but when things go wrong, it's better if you get a realtor to represent you coz some builders doesnt care at all.
They should have used a Realtor to represent them. Before listing that property, the owner has already agreed to give at least 2.5 percent to the buyer’s agent and another 2.5 percent to the seller’s agent. So , since they didn’t use any agent to represent them, the entire commission went to the seller’s agent. The buyer’s agent could have helped them negotiate more on price as well as the repairs and warranties. Despite the fact that it’s a new construction, there’s still things that an experienced Realtor can help after a home inspection has been done.
This is a very smart and brave move. I am sure po you have weighed down the pros and cons.. at dahil kumuha kayo ng sarili nyo po, obviously mas matimbang ang pros... New Subscriber po from UAE. God Bless.
hello kuya, nandito rin po ako sa calgary sa may haysboro area. bago po ako makarating dito pinapanuod ko na kayo. sobrang nakakatulong po kayo sakin at nakakatuwa kayo panuurin.
Yong Bahay namin sa Las Vegas 3 Bedrooms nakuha namin 260,000 nag Down kami 60,000 tapos pinapaupaan namin 2,000 bayad banko 1,200 pero pag nag move kami doon i full payment naminnpara wala ng Problema nga Estemate nya ngayon nasa 423,477 na kaya bale 12 year na yong nag uupa bayad sa bako may sobra pa😂😂😂😂😂
See you soonest Drey will be there on Fall intake sa SAIT, ikaw talaga ang lodi namin mag partner. Husay ng financial strategies na ginawa and we're looking forward to chit chat with Team Drey around Calgary. All the best Champ!
The advantages of not getting REALTOR when buying new home are you can deal to lower the price, no BIDDING, first come to offer price first SERVE, sales consultant from the builder will guide you until you posses the house and The most important thing is SAVE MONEY.
great job in putting things in perspective. cause there,'s a lot of kabayans who do not understand the concept of living here in Canada. Another thing to point out is: you guys are in Calgary and not in the more expensive cities in the country. Kudos to you👍💪
Hi Drey, can you share how to bring funds to Canada? Do you open an account before leaving Phils? Or you bring 10,000CAD or the minimum requirement? Hope this can be your next topic. Thank you
Always very informative and very objective approach and contents ni Drey. The first vlogger I started to follow when we decided to research about going to Canada. Every content has purpose and every information shared are most appropriate and best practices that we can use in preparing and in then moving to Aberta. Hope you continue to share excellent info sir and also looking forward to meeting you one day if we get successful in our plans... Cheers and BIG CONGRATULATIONS!
Dont they charge you any mortgage insurance for down of less than 20%, here in BC we have that. What about the cost for water & sewage, is that included in utilities expenses you mentioned.
Kami May insurance critical illness at job loss. Nagkasakit Ang partner ko binayaran Ang bahay - balance owing sa mortgage pati interest computed for 5 years binalik din. Kaya Ang focus namin gumaling Ang partner ko worry free kc bayad Ang bahay. Di kami maluho sa budgeting Lang Ang kailangan. Maniwala tayo sa insurance para May protection Ang family . Di natin alam ang health at Kung mawalan ng work
Pareho tayo ng mortgage broker and realtor Gillian and Eric. 2022 namen nakuha bahay namen brand new for $315k in Legacy walang bidding na ginawa. Sobra ung tinaas bigla ng mga presyo ng bahay after namen mag move last year 😢
Congratulations. But Getting a mortgage na hndi pa PR is very risky. What if hndi kau ma PR? Should get your permanent resident first . Piece of advice iba na ang Gastons pag homeowner. Once bumigay ang furnace at hot water Gaston n agad un.
@@DREYsCanadaVlog i think you and your wife will be successful in canada ganyan naman talaga. you have to try and do the risk. maybe later you can do my itr. he he he
Hello sir! Advice naman po kung ano dapat gawin pag dating namin Jan sa Canada tulad ng mga dapat asikasohin at kuhain ng mapaghandaan napo namin ng wife ko at maasikaso agad pag dating po namin. Flight napo namin this June 8, Me and my wife po. Thank you so much sir!
Hi congratulations for your new home, i have an inquiry sa last vlog mo parang na mention mo na if di pa PR sa canada with SP status pa you need to pay a downpayment of 20% from the mortgage price. Since you only paid 5% so meaning you already have a PR status ba? I just wanted to ask baka may consideration on paying lower down payment kahit hindi pa PR. Thank you.
@@DREYsCanadaVlog Thank you for the fast reply 😊 good to know na kahit PGWP pa pwede na pala yung 5% down payment. Thank you so much for sharing this information, big help! again Thank you and God bless!
$2400 for a mortgage and it is a row townhouse. That is your biggest mistake. Condo fee - just throwing money away. That mortgage you can already afford to buy a single house… and you also bid. Rookie mistake bigtime
@@DREYsCanadaVlog mabagal din tumaas value ng mga townhouse compared sa single house. Pero smart move pa rin pagbili ng property lalo at bata pa kayo. Baka sa 2nd property single house na, at yang townhouse is rental property nyo na lng. Congratulations sa inyo.
I agree, big mistake with the bidding. Also, the community condo townhouse is not ideal. They should have looked for a freehold townhouse. I feel na madalian ang pagpurchase nila ng property. Share ko lang. I almost got sucked into bidding war, I was willing to pay over asking price $20 to 30 grand. It might have been more i think. We were the highest bidder. However, the sellers decline us because of our clause pending sale of our current house at the time. Btw, i wasn’t even that in love with the property. We were just running out of houses to buy. Altho, i love the location. We waited out a few weeks and found this other house that is abandon meaning no one lives in it. Apparently, it had been in the market for awhile. It was outdated but it was perfect cuz we can do our own reno. The only issue was minor leak from the main bathroom to the ceiling of our dining which we took advantage of to bring down the cost of the selling price. The best part is it is on the same location we wanted. Also, the sq fottage is bigger that the house that we bidded on. We got v lucky.
Sir ask lng po sana ako for some insights if saang school and place dyan magandang mag enroll?I am planning to take IT related program. Ung d po masyadong malaki tuition fee and accomadations kase medyo tight budget lang po. Family of 3 po kami sir. Thank you in advance.
thank you for sharing. may relative ako sa Ontario na hanggang ngayon is struggling to own a house. bagong friend from Saudi Arabia. baka puede paki-resbak na lang, nag-lagay na ako ng downpayment sa condo mo. salamat. coriks
Congratulations ❤ sir sa inyo 🙏 may i ask po , balak nmin mag apply mag asawa., gusto nmin magkasabay kami makapunta , papaano po kaya? 😊 thank you so much … from kuwait 🇰🇼. God bless 🙏🙏🙏
Hi Drey, fellow CPA. Planning to take SP (me) + OWP. Ask ko sana if anong program kinuha mo during application, if recommended ba to take Post-Bachelor Cert in Accounting para alligned sa future plan ko na maging CPA in Canada? Appreciate your inputs :)
Wondering lang po kasi na mention nyo po from last vlog na pgwp palang po kayo and di pa pr then sabi nyo din po sa isang video nyo po, 20k dapat ang down ng di pa pr para makabili ng house, pero dito po, 5% lang po ndown ninyo. Am I missing info? So paano po kayo nag qualify for mortgage and only putting a down of 5%? Thanks po if masasagot.
@@DREYsCanadaVlog oh. Thanks sa pag sagot. Gets na po 😊 libre po ba magpa assess sa bank for mortgage? Kung magkano po mabibigay nila? And ang pre approval po ba may hit na sa credit score?
boss Drey, ask ko lang. nag PEP kaba? If yes, need pa bang iinform si IRCC? pwede ka din ba mag PEP habang nakaPGWP pero expired ang study permit? or need ba magpaextend ng study permit? Salamat sa sagot.
Congratulations Drey.. is it possible to buy your own house with status of international student and spouse with OWP? Appreciate any inputs. Thanks again
Yun din pala ang hirap bbili ka ng bahay tpos iba din pala ang titira para mabayaran mo yung bahay.. boss hanga ako sayo kasi nasabi mo lahat ng need para sa mga gusto mag ka bahay yung iba kasi ang dami pa kwento kung ano ano
Riskier daw kasi ang NE based sa nakausap ko sa insurance po. Mas madami daw kasi natural disasters like hail storm and flood sa area nato kumpara sa iba. And mas madaming nag keclaim dito daw hehe.
May I just comment, diko napo nakita ang vlog mo na nagsasabi ka about the taxatuon of Canada and Philippinesna pareho pong 30% ang income tax. Hindi po 30% ang income sa Pilipinas. Socialized na ang tax sa Phils under the TRAIN Law na pinirmahan ni Pres. Duterte. I have a business here sa Pinas ans I only pay 2% percentage tax. Please mag research muna kayo about TRAiN law and content nya bago po kaya mag comment na 30% ang tax sa Pinas. Kumakalat po ang maling info dahil ang daming nagvvlog na hindi gumagawa ng thorough research.
Did you see for yourself other 2 or 3 bidder ? if not that’s a big lie from your realtor! Much better to buy brand new townhomes , single detached and front attached direct from the builder sale consultant. No no no for liar bidding from the realtor.
They forwarded the messages from the seller's realtor po. With the market right now here in Calgary, I think it's not far fetched na madami talagang bidding hehehe ilang beses nadin kasi kame natalo 😄😄
@@DREYsCanadaVlog Wow! too much, the realtor wants Calgary to be the next Vancouver and Ontario's system of selling a house. I might say that was greediness they put additional 17 k from the orig price and that was stealing from your pocket .
@@DREYsCanadaVlog na dali ka dyn. Nag take advantage yon realtor mo. Dahil student ka palang at baguhan ka sa Canada. Plus na kita pa nila yon eagerness mo. Try mo mag tanong sa neighbor. Para malaman mo yon real price ng condo.
Ganyan na po tlga ang range ng townhouse dto sa Calgary, marami na kasing nagpuntahan dto sa AB kaya nag increase mga bayad ng bahay, yes there is bindding now,
Saying na nadaya siya that is big word. Although I don’t know you. He is an accountant and have also work in a condo parang insulto sa kanya yon. D2 sa Toronto mga ten or more bidders na sa month na ito. Nag start ng bidding again noon mag pause ng bank of Canada ng interest rate.
@@DREYsCanadaVlog interesting. I am surprised din po na hindi nag require ang lender mo ng appraisal. I am a Realtor here in the States and when I write a contract on behalf of my clients, i make sure it’s contingent to an appraisal. To make sure that you’re not paying more than what its real value. But any way, Congratulations on your new house!
Silent T words Besides that, the silent T appears in a random assortment of other words, such as asthma, mortgage, tsunami, soften, listen, fasten, glisten, and moisten.
@@nevetzedek1702 bihira sa bumibili ng bahay sa canada ang tinatapos ang 25 or whatever term.. they move on, sell the house when they need or want to, take the equity with them and put that equity in the new house that they purchase.. you are not tied up with your first purchase.
@@DREYsCanadaVlog Pati pla sa sa sakyan na dali ka. Ang sa sakyan dito pinaka matagal na yon 7 years. Tapos yon 580$ nayan worth na ng SUV na sa sakyan.
@@DREYsCanadaVlog next time bro wag maging eager. Pwede ka mag tanong sa mga tao Dito. Lalo n sa mga may experience. At Bahay ko single de touch maliit Lang. Pero bina bayaran ko almost 1300 to 1400$ depends sa weather.
