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I used a B-Lender, specifically EQ Bank, to purchase my place. My experience was fine, we switched to A-Lender upon renewal cause the renewal rates at EQ were pretty bad. They allowed for lump sum top-up payments, or monthly top-up payments. For some reason they lumped property tax into the mortgage, but aside from that, no real bad experiences with EQ Bank. What do you want to know? |
Wow~ the difference is only that small between A and B lenders now? That's crazy... |
wtf is a lender? dont you just go to your nearest chink commune and ask all your brothers and sisters for money a la back in the GOLDEN MOUNTAIN days !?!?! |
Usually b lenders is if you too poor for the house or shit credit. Rates are usually higher than A and they often times have very restrictive pre payment options. |
Do B lenders break your legs if you dont pay them back? |
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Sorry man! |
lol no worries man, all things considered I'm fine with my lot in life. I only have so much of my time and love to give, those in my life right now just get to have more of it. For better or worse :ilied: |
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I mean come on, you don't have to play with the kid, but at least say Hi to the kid. Quote:
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My parents watched my son one time for a night when he was maybe 4, other than that everything has been on us. In November we went on our first vacation together without kids since he was born, only took 18-1/2 years. I don't regret having a kid, the comments about not really wanting to hang anymore is true in my case it's tough for me to get time with the kid and he lives under the same roof. |
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Bank: immediate support, no funny fees. Monoline: your on the phone for 4hrs, with someone on minimum wage in regina, that is reading the contract you signed. They tend to have cheaper rates, but if you need anything changed, the fees will get you. And thats what they "bank" on. If you can go 5 years without talking to them, then its worth it. |
I hope this helps you real estate noobs “People ask me, 'Isn't this just another get-rich-quick scam?' And I say 'Of course! Who wants to get rich slow?'” “Today I could relax and enjoy life around my mansion. Watch the waterfall in the front, the waterfall in the back…the waterfall inside the house. I get tired of hearing the water running.” |
Life is too short for a 9-5. Tom Vu was right. Time is money, and working the least amount of time for the most money leads to the greatest freedom. |
Meanwhile in Toronto https://archive.is/nQKbk Just imagine if the market shifted towards actual buyers (family interests) rather than investor's EleGiggle |
From yesterday's Globe and Mail. It would be great if we could see some significant price drops of at least 10% to 20%. https://www.theglobeandmail.com/real...tpaces-demand/ |
^^ I doubt it, I think we would be in serious trouble if prices drop that much + government will step in with more rate cuts by then. |
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No one is willing to make a move. The presell market tanked with 80k incentives, lack of movements. Those with a job are waiting for interest rates to go down AND in the meantime, they houses they have to sell is really priced down. There are easily 60-80 listings at a realty right now with lack of buyers. |
you mean some of these realtor fucks might actually need to get a REAL JOB!?!?!? holy shit! what a concept. |
I still think condos will find support as it's entry level, to get your foot in the door, beggars can't be choosers and just get your first place. The inventory will eventually get snapped up. Same with detached at least in lower mainland I don't see detached prices really dropping with less and less land as they densify. Everyone wants to be China hobs in his $3m driveway doing oil diy changes on his $150k car. But you gotta start somewhere. |
The “new” condo market is trash though I know people are obsessed with new condos but you’d be insane to buy some shit box in Brentwood compared to the dozens of buildings surrounding those spires where you’re getting 20-50% more square footage for the same price. If actually living in a place matters, the new/presale market is going to get slammed |
^^ not the young kids with family money who actually can afford them. They want new, bowling alley, swimming pool. Used is for the poors |
If that was the case there wouldn’t be 100’s sitting on the market. There’s no buyers for these even with that bracket. |
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