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伦敦及周边地区地产销售小结- 一月,2022
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年轻人买房误区
谁说年轻人买不起房?--加拿大安省买房经验谈 2018/2/4 HousingLondon   现在普遍认为,年轻人买不起房,是因为房价飙升的缘故。   乍看之下,逻辑没毛病。然而,支撑这因果关系的社会思潮无疑为年轻人的购房选择设下陷阱。   此刻,房价之高令人望而却步,也令人趋之若鹜。多少在外拼搏的年轻人不仅出于刚需购买房产,而且心理上还要努力靠向社会认可的标准:住宅越高档,宽敞越好。   因此,为了实现这“理想”,意气风发,而又囊中羞涩的年轻人有了两种选择:   一是暂时租房,而工作所得的积蓄赶不上房价跃进的速度;   二是咬牙贷款,在余下的数十年间为偿还月供辛苦工作。这样一来,年轻人就掉在陷阱里了:有的一直买不到房子,而有的已经被房债锁定大半生。     据Statistics Canada 2016 年的报告,近50.2%的加拿大年轻人(20-34岁)拥有自己的房子(图一),而这部分人群的房屋贷款比例高于94%(图二)。同年,加拿大房子均价44万左右,而安省大多伦多地区及其周围主要城市均价达40至50万(图三),因此不难想象在这地区的年轻房主将拥有高于平均的贷款比例。         (数据来源: Statistics Canada)     事实上,年轻人要买到房子,最关键的不是大把的钱,也不是等待时机,而是观念的转变。   在满足刚需的同时,加上一些理财性的长远规划,即不仅将房子作为一个归属地,同时它将成为一项现在或将来能为你带来经济效益的资产,这将有助于你跳出房市的普遍思维,在看得更远的基础上获益。所以不要以为房子越大越好   编辑君在安省金斯顿市生活了三年,今年选择在伦敦市东区买下第一套自住房。选择伦敦首先是因为手头的钱刚好能在不贷款的情况下买下一套condo,免去负债和月供的压力,而同等住房在金斯顿买则需要贷款。   其次是因此伦敦市的发展活力和潜力近几年来尤其明显。   一方面由于靠近金马蹄地区,随着移民人数的增加,以及大城市地区的投资者们的带动,房市逐渐火热。另一方面则是安省政府计划建立高铁(看图四图五),串联温莎,伦敦以及多伦多等地。通过大大缩短伦敦通往安省大多地区的交通时间,伦敦在未来几年内将爆发出飞速发展的潜力。       图片来源:www.ontario.ca   最后,编辑君花了一天时间逛逛伦敦的时候,觉得这个城市很有活力,尤其去市中心的公共图书馆时,看到社区活动面板上呈现的各种艺术,文化和学术活动,让编辑君感觉这个城市注重精神生活质量。   综上原因,伦敦就成为编辑君安家的城市了。   通过这个经验,编辑君想要分享年轻人买房的三个重要步骤。   买Condo而非House 买Condo作为第一套资产有助于年轻人专注事业。对于Condo的付出, 无论在价格还是维护方面都比House要低的许多。House虽是大部分人理想的居所,然而对于不熟悉House Culture的年轻人来说,缺乏对house各方面的维护和维修技能,以及无法适应市政对House居民规范的一系列义务,将分散年轻人精力。Condo可以是一个入门级别的投资,在更为适应年轻人预算的基础上满足自住房的需求。   做好买下一套房子的准备 第一套房子作为入门级别,将无法适应日后扩大的家庭规模,以及其他使你不得不搬迁的情况。你可能需要买更大的房子,或者为了工作搬到其他的地点。制定并实行存本金计划将是你成为有房一族后首要的任务。并且这个任务越快达标越好,因为房价无论怎么调控,总是呈上涨趋势的。当你有了一定的本金,你就能继续投资房产。通过本金+合理的杠杆运用->房产这样循环的理财方式,你能够最大化地将所得收入转化为创造财富的资产。 随时关注房市,以及围绕房市的政府规划,民声,数据。   信息就是财富。当你渴望房产,而且不断学习与之相关的知识之后,你就已经在积累无形的财富了。假如你希望以房产作为理财方式,那么在划定某个大致的区域之后,关注政府未来对该区域的规划,分析当地房产报告,聆听大众意见如何影响政策方向,将有助于你识得先机,买下心仪的房子。
BUY & INVEST IN LONDON! YOU WILL THANK ME ONE DAY!
Must read: If you are serious  about your financial success!   -Why real estate investment is so hot these years in London, Ontario? -Why london RE market will be continously hot for another several years at least before it hit the plateau as we have seen in GTA nowadays?   There are no fancy words, no thorough numbers stats…ONLY my 16 years experience working as a realtor in london & st thomas board.    Stay tuned…if you are serious about your finance!
  If any of londoners deny how crazy our Real Estate market it was last year, there are only two possibilities: 1. You don’t own your home and don’t intend to.  2. You only admire warrant Buffet and Real Estate is not your cup of tea.    For the rest of us, average people who own our principal residence, who may own a couple of investment properties, we couldn’t help noticing how hot our real estate market was last year in 2017.   I remember last summer when I and my husband drove around the area when most of time we were doing some errands after dropping kids to the dance studio, we can see many household residents were chatting together. When our car was approaching, I can see they were pausing their conversation ( My personal car plates JIE DAN got many attention, believe or not). I can almost feel they were talking about Real Estate: SHOULD WE SELL? The market was so hot that I myself wasn’t feel I was in Canada!!!   To give you some snap shot what our real estate market was in 2017, please imagine this: As a realtor ( 16 years experience), I have to write at least 3 offers before my buyers got to buy A property. Yes, 3 was my magic #. Some agents who were not that much experienced….their # was almost 10.    Then, The government stepped in. 15% land transfer tax is to be applicable to foreign buyers. Yes,  The financial market, the insurance agent can’t take it anymore… You have to agree the money market consists of both of real estate and liquid assets. It varies where the funds go depends on the interest rate. besides, none of the landlord would be happy to see their tenants buying their first home.   The Real Estate Market was cooling down a little bit in london but dramatically affect GTA market. Buyers were not adding 5% over the asking price, yet surely, the asking price was adjusted accordingly.   Yes, the home owner priced their property accordingly base on the proper value ( not under the market value to entice the multiple offers).    Properties there droped 20%, properties were not selling, Real Estate agents start playing stock then.   Lately, I have come across many conversations starting like this. I mean most of time its from strangers who care about me when I said I am a realtor:   -Oh, hope this year the real estate market goes down a bit…not as crazy as last year. ( truly, the hot real estate market benefit nobody else other than investors considering higher property tax payable0 _Oh, those torontonians…. ( Yes, our good looking properties are way under the market value that people from GTA can’t resist the temptation to come down to buy)   Nevertheless, local londoners don’t realize how lucky we are and how much we have that people are pouring their money to own your relaxing life style.    The Truth is: People have to pay double of price of RE if living toronto! Our safe & peaceful social environment & the traditional canadian value that honours each being including pets….we are blessed!   My prediction For the next 5 years, our real estate market will continue to go up no matter you like it or not!    So, for people who hasn’t own any home yet, please hurry.    People who are handy to fix the property, great news? you just earn yourself the opportunity to make a fortune!   Investors, its never to late, buy low & sell high later!   To people who understand, you would thank me one day that you have built your fortune after reading this article, suppose you take action.    To people who never thought about even owning their first house, think thoroughly.    Its never too late to own your own home, to buy your first investment property!   For your any Real Estate buying or selling in london, please call me as local expert!    I help you succeed!   Jie Dan Broker of Record Sutton - Jie Dan Realty Brokerage 18-390 Springbank Dr. london, Ontario N6J 1X9 www.londonhomesale.com
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