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Questions tagged [real-estate]

A tag for questions on real estate or property.

3
votes
1answer
73 views

Source for information about Australia and U.S. real estate market rent-to-price ratios?

Would like to make a comparison between the two markets, in particular during the global financial crisis.
2
votes
2answers
846 views

What should I consider when buying land as an Investment in Ontario, Canada?

I was bored the other day so I was looking through the real estate listings up in Cottage Country. I noticed a plot of 4 acres of land for sale for $30,000. I was wondering what one should consider ...
5
votes
5answers
1k views

Malaysian real estate: How to know if the market is overheated or in a bubble?

I'm living in Malaysia, around Klang Valley. One thing I notice is that the housing price keeps on increasing and increasing and increasing ( just my perception, no data to backup my point), with no ...
2
votes
3answers
453 views

What's the best time of a year to buy a car or a house in Canada?

Are there any months where car or house prices usually drop in Canada? Is the difference noticeable enough to justify the waiting?
2
votes
1answer
344 views

Can I refinance a rental property that is currently only 75% loan to value?

I have two separate rental properties that each have a LTV of about 75%. I'd like to leverage these properties to buy another investment or rental property so I am considering refinancing with cash ...
7
votes
2answers
325 views

What is a timeshare?

What is a timeshare and why might I want one? Are there any hidden costs to timeshares?
12
votes
5answers
2k views

How do you value your home when calculating your net worth?

I'm interested in tracking my net worth as a way of measuring progress and I'd like to include home equity in my net worth. How are you tracking home equity? Are you using purchase price? Average ...
45
votes
7answers
4k views

In general, is it financially better to buy or to rent a house?

I know this differs from country to country, from person to person (depending on how much you already have saved), but I'm curious about the simplest example. Let's say I have little to no money. I ...
2
votes
1answer
167 views

What impact does the new mortgage rules have on CMHC policies? [Canada]

With reference to this question, how does this affect the Canadian Home and Mortgage Corporation (CMHC)? This organization made it possible to get a new home with as little as 5% downpayment, ...
19
votes
8answers
7k views

Should I wait until I have a 20% down payment to buy a home?

With an FHA loan that only requires a 3.5% down payment, I'm able to buy a home right now and comfortably afford the monthly payments. However, I know that means I'll pay PMI and more interest over ...
4
votes
3answers
398 views

Homeowner's association funding a project in a condo: Bank wants an individual guarantor. What to do?

From time to time my HOA (homeowner's association) needs extra money for a project (eg painting fences, fixing roofs, plumbing repair, etc). They typically respond by raising the monthly HOA dues for ...
22
votes
4answers
2k views

Is home renovation ever a good investment?

For years I was under the impression that renovating a home was an investment. However, when I look up return on investment for typical home renovation projects, it appears that even the most high-...
2
votes
1answer
1k views

How does Ontario's new HST affect a condominium purchase?

I'm wondering what the rules are regarding HST and a purchase of a condominium. When buying a new construction condominium, would I need to pay HST? What about for existing (re-sale) condo's? I've ...
8
votes
6answers
3k views

Are funeral plots a good investment?

At the risk of sounding morbid, is it worth looking into cemetery plots/mausoleum storage? Is it correct to assume that these costs will increase over time?
2
votes
1answer
518 views

Canada: New mortgage qualification rules, 2010: Why, what, & when in effect?

Earlier today, the Canadian federal Finance Minister Jim Flaherty announced new mortgage qualification rules for Canada. Why were new rules introduced? What are the new rules being introduced, vs. ...
9
votes
2answers
605 views

How can I profit on the Chinese Real-Estate Bubble?

How can I profit on the Chinese Real-Estate Bubble?
7
votes
4answers
2k views

Should we use an expected inheritance to invest in a rental property with cash, i.e. no mortgage?

My wife and I will be getting an inheritance soon. There are many ways to invest this money. One thought we had was to take advantage of the down real estate market and buy a house for a rental ...
26
votes
7answers
7k views

Why do people use mortgages, when they could just pay for the house in full?

I would like your recommendation on whether you should buy a house with a mortgage, which you would pay as you go, or should you buy it in full.
12
votes
3answers
781 views

How can I minimize losses on an upside down mortgage for a condo I no longer live in?

I have made a good faith effort to keep up my mortgage payments on a condo that I no longer live in since Oct 2005. In 2005 I had to move out of state for my job and I listed the property for about ...
19
votes
2answers
670 views

Is selling your house without an agent worth the hassle?

There have been numerous "for sale by owner" signs appearing recently. This seems like a convenient way to reduce the commission charged by Real Estate agents but I have heard that this is still a "...
3
votes
3answers
496 views

What is my % return on investment for various home renovations upon resale of my house?

For instance, I've heard that there is a minimum 75% return-on-investment ("ROI") on bathroom and kitchen renovations - is that an accurate figure? What about the other rooms in my home? Are there ...
19
votes
7answers
2k views

Is Real Estate ever a BAD investment? If so, when?

Even in a bad market, over 30 years won't the value of Real Estate always go up? Is it always a sure bet? If not, what should an investor or buyer consider?
4
votes
2answers
719 views

If I buy a property in an underage dependent's name am I exempt from capital gains (losses) on my income tax?

If I purchase a property in an underage dependent's name (son or daughter), and then sell it before they reach the age of majority, do I need to claim the capital gains (losses) on income tax if I ...
7
votes
3answers
2k views

What are the advantages and disadvantages of leasing out a property or part of a property (such as a basement apartment)?

What are the advantages and disadvantages of leasing out a property or part of a property (such as a basement apartment)?
7
votes
1answer
323 views

Getting on the property ladder: mortage, downpayment, fees? [UK]

Once I've got my finances straight I'd like to think about getting my own place, but what sort of money am I looking at to have under my belt before I can begin thinking? Is it right that the UK ...
14
votes
5answers
2k views

Should I put more money down on one property and pay it off sooner or hold on to the cash?

I've a huge chunk of money saved up for a down payment on a property that I'd eventually like to pay off and use as a rental. The assumption is that the property value will go up substantially over ...
13
votes
3answers
565 views

Pension or Property: Should I invest in more properties, or in a pension?

I do not have a pension but have a rental property (which breaks even). Question is, do I invest in more properties or take out a pension ? I am worried if I go down the pension route I would lose ...