{"id":1441,"date":"2023-12-12T18:46:44","date_gmt":"2023-12-12T18:46:44","guid":{"rendered":"https:\/\/ericsalomon.cp03.id-3.net\/buy\/advice-to-buyers\/"},"modified":"2023-12-12T18:46:45","modified_gmt":"2023-12-12T18:46:45","slug":"advice-to-buyers","status":"publish","type":"page","link":"https:\/\/ericsalomon.ca\/en\/buy\/advice-to-buyers\/","title":{"rendered":"Advice to buyers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1441\" class=\"elementor elementor-1441 elementor-987\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b2e153 e-flex e-con-boxed e-con e-parent\" data-id=\"9b2e153\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12547ce elementor-widget elementor-widget-heading\" data-id=\"12547ce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Determine your individual needs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7780f54 elementor-widget elementor-widget-text-editor\" data-id=\"7780f54\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The reasons for buying property vary widely from one person to another. It is therefore extremely important to discuss your individual needs with your real estate broker before visiting a property.<\/p>\n<p>Before making an appointment with your real estate broker, draw up a list of the factors important to you and determine your individual needs such as locality, price, type of property, number of bedrooms, surroundings, public utilities, and so on.<\/p>\n<p>Check with your financial institution to find out how much you can afford to carry as a mortgage and have the loan amount preauthorized. When will come the time to look for the best mortgage opportunity, i will be really there for you with my multiple great quality contact.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ec585e e-flex e-con-boxed e-con e-parent\" data-id=\"1ec585e\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9236380 elementor-widget elementor-widget-heading\" data-id=\"9236380\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Talk to me<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c375229 elementor-widget elementor-widget-text-editor\" data-id=\"c375229\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Once you have analysed your individual needs, talk to your neighbourhood broker. If you are moving out far from my working sector, I will be able to refer you to a professional  broker in the area of interest to you.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87684b0 e-flex e-con-boxed e-con e-parent\" data-id=\"87684b0\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-273188c elementor-widget elementor-widget-heading\" data-id=\"273188c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Checklist for visiting a property<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fda51d elementor-widget elementor-widget-text-editor\" data-id=\"4fda51d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Here is a checklist to use each time you visit a property. It will help you compare the various properties you visit and more easily come to a decision as to which property is best suited to your needs. Complete this form each time you visit.<\/p>\n<p><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"http:\/\/remax.aliquando.id-3.net\/files\/2013\/10\/aidememoire.pdf\" target=\"_blank\" rel=\"noopener\">View and print the form<\/a><\/span><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb353cb e-flex e-con-boxed e-con e-parent\" data-id=\"cb353cb\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d68c5a4 elementor-widget elementor-widget-heading\" data-id=\"d68c5a4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Last-day checks<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd15a34 elementor-widget elementor-widget-text-editor\" data-id=\"bd15a34\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul>\n<li>Read all counters<\/li>\n<li>Lowering or switching off the heating<\/li>\n<li>Closing the lights<\/li>\n<li>Closing and locking doors and windows<\/li>\n<li>Keys handed over to new occupants<\/li>\n<li>Interruption of telephone service<\/li>\n<li>Garbage disposal<\/li>\n<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73e2279 e-flex e-con-boxed e-con e-parent\" data-id=\"73e2279\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eab2dd3 elementor-widget elementor-widget-heading\" data-id=\"eab2dd3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Expenses to consider when buying a property<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d8d3be elementor-widget elementor-widget-text-editor\" data-id=\"6d8d3be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul>\n<li>Inspection by a building expert<\/li>\n<li>Opening the mortgage file at the bank<\/li>\n<li>Conventional loan (20% cash)<\/li>\n<li>CMHC-insured loan (less than 20%)<\/li>\n<li>Deposit on promise to purchase<\/li>\n<\/ul>\n<p><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"http:\/\/remax.aliquando.id-3.net\/files\/2013\/10\/services.pdf\" target=\"_blank\" rel=\"noopener\">View and print the checklist<\/a><\/span><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26dbbf7 e-flex e-con-boxed e-con e-parent\" data-id=\"26dbbf7\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22759ad elementor-widget elementor-widget-heading\" data-id=\"22759ad\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Expenses to anticipate when signing the deed of sale<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c85d459 elementor-widget elementor-widget-text-editor\" data-id=\"c85d459\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul>\n<li>Notary fees<\/li>\n<li>Tax distribution (refunds) :<\/li>\n<li>The calculation of the reimbursement to the seller (if applicable) will be made from the date of occupancy and you must reimburse the seller for the number of days already paid by him, for the following property taxes:<\/li>\n<li>Municipal taxes<\/li>\n<li>School taxes<\/li>\n<li>Heating oil tank :<\/li>\n<li>If the property is equipped with oil heating, the seller must have the tank filled on the day of the deed of sale and bring the invoice to the notary&#8217;s office, which the buyer must reimburse in full.<\/li>\n<li>Electricity (Hydro-Qu\u00e9bec) and gas (Gaz M\u00e9tropolitain) meters:<\/li>\n<li>The buyer and seller must notify Hydro-Qu\u00e9bec and Gaz M\u00e9tropolitain (if applicable) of the date of the change of ownership so that the meters can be read on that date and the amounts charged to the buyer and seller respectively on the date of occupancy of the property.<\/li>\n<li>Home insurance :<\/li>\n<li>Don&#8217;t forget that when you sign the deed of sale, you&#8217;ll need to provide proof of homeowner&#8217;s insurance for an amount equal to or greater than the existing mortgage.<\/li>\n<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b79208f e-flex e-con-boxed e-con e-parent\" data-id=\"b79208f\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fd94bf elementor-widget elementor-widget-heading\" data-id=\"4fd94bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Expenses after signing the deed of sale<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25c7e9b elementor-widget elementor-widget-text-editor\" data-id=\"25c7e9b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Real estate transfer tax or &#8220;welcome tax&#8221;:<\/p>\n<ul>\n<li>The municipality in which you have moved will send you a transfer tax bill, within four (4) to six (6) months of signing the deed of sale, and this is calculated on the basis of the sale price and according to the following scale:<\/li>\n<li>0.50% on the first $50,000<\/li>\n<li>1.00% on amounts between $50,000 and $250,000<\/li>\n<li>Province of Quebec, excluding Montreal:<\/li>\n<li>1.50% on the portion exceeding $250,000<\/li>\n<\/ul>\n<p>Montreal only:<\/p>\n<ul>\n<li>1.50% on the portion between $250,000 and $500,000<\/li>\n<li>2% on the portion exceeding $500,000<\/li>\n<li>Moving expenses, painting, decorating, etc.<\/li>\n<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Determine your individual needs The reasons for buying property vary widely from one person to another. It is therefore extremely important to discuss your individual needs with your real estate broker before visiting a property. Before making an appointment with your real estate broker, draw up a list of the factors important to you and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":676,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/ericsalomon.ca\/en\/wp-json\/wp\/v2\/pages\/1441"}],"collection":[{"href":"https:\/\/ericsalomon.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ericsalomon.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ericsalomon.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ericsalomon.ca\/en\/wp-json\/wp\/v2\/comments?post=1441"}],"version-history":[{"count":1,"href":"https:\/\/ericsalomon.ca\/en\/wp-json\/wp\/v2\/pages\/1441\/revisions"}],"predecessor-version":[{"id":1442,"href":"https:\/\/ericsalomon.ca\/en\/wp-json\/wp\/v2\/pages\/1441\/revisions\/1442"}],"up":[{"embeddable":true,"href":"https:\/\/ericsalomon.ca\/en\/wp-json\/wp\/v2\/pages\/676"}],"wp:attachment":[{"href":"https:\/\/ericsalomon.ca\/en\/wp-json\/wp\/v2\/media?parent=1441"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}