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Enterprise risk management ntu order paper magazine internship b2b case studies social media I hi I'm Lou McDonald I'm the broker owner of Verico tailor-made mortgages licensed in the province of British Columbia I'm also licensed as a realtor with realty match in Kelowna British Columbia and I just wanted to put a short video together I'm getting a lot of questions upset my business up to help first-time buyers and really kind of focus in on how I can help them on their first home if it's the right thing for them to do so a lot of my blood people ask me you know is it right for me should i rent should I buy so I just want to go through a couple of different scenarios because we have to look at each individually to figure out if it's the right thing so what does that mean so to use these calculators that I'm going to use go to mobile mortgage dot ml be I and they're free to use you don't have to register or anything else just go right in and you can use them so let's say that we're looking at a home and first-time buyer wants to get into a house not not a condo so let's let's say 350,000 is the number so what we do is we say okay purchase financing and we put in the purchase price of 350 and let's go with five percent down and it will calculate through so your down payment is 17,500 financing required 3 30 25 then you're going to have high ratios cmhc and assurance and the only way to avoid that is to put down twenty percent you see that disappears but that equates to seventy thousand dollars the majority of the people need five percent down maybe ten so total mortgage 341 643 the rates while they are increasing right now they're at three and a half percent on a five-year fixed and a 25-year amortization that brings your monthly payment to 1705 73 in that price range in Kelowna your property taxes are going to be approximately two hundred dollars a month it's not a condo so zero their utilities let's go with a hundred dollars a month for to qualify and then other we don't need to put anything in there for qualifying so what that means is that you're going to require a household income of 75,000 214 72 with minimal debt and good credit so let's just assume minimal debt and good credit throughout all the calculations so let's go 75,000 214 I'm calculating right here and we'll divide that because there's two people working in the house to people and the average full-time employee works 2080 hours per year so let's divide that by 2080 equals that means two people need to be making $18 and ten cents an hour to qualify for that once again with minimal debt so what does that look like as far as how much of that is going to interest which is really the cost and that's really the number that you should be comparing to rent because that's the money that you will never get back money that goes to interest and money that goes to rent so if we go okay what's the mortgage payment on that so we're going to open up another calculator we're going to take this number here so our total mortgage is 341 643 decimal 75 monthly payment there's lots of strategies we can go over that when we get into that or if we get into that 25-year amortization which is the maximum under cmhc rules now and let's go with three and a half percent that takes our payment as we said over here to 1705 that's correct end of term balance 294 and the interest paid 55,000 so it's going to cost us 55 thousand dollars over five years to rent this home so let's calculate the amortization cave table and then let's just scroll down and we can see right off the bat we're paying nine hundred and eighty nine dollars a month the interest but we are paying seven hundred and sixteen dollars to principal a good way to think of the principal is a forced savings plan it's forcing us to pay down the amount we owe meaning that we all less on the property building our equity so when we look at that and we come down to the bottom sorry go down to 60 months that's five years we're going to all 294 770 so when we take our original amount going back to my calculator of 341 643 decimal 75 and we minus 294 770 decimal 17 equals we now have 46 thousand eight hundred and seventy three dollars that we've made in equity that money if that was rent would have gotten so in effect we're forcing a savings program and we're paying about a thousand dollars a month to rent the home or actually to rent the money to buy the home so in this situation I would say that it definitely makes sense for this person to buy that home if the rent is going to be anywhere over a thousand dollars now on a single family home where 350 we're looking at rents 1502 above 2,000 a month so now the other part comes into effect and we're looking at interest rates so interest rates look like they're going to start rising up so they've all been on a trend we were down at 2.89 about a month six weeks ago and we're now up at three and a half so let's say that they continue that trend so let's go to our purchase financing let's open up a third calculator and we're going to put in those numbers so we're going to buy a home for 350,000 with five percent down now our mortgage rate instead of three and a half percent let's say that it's four and a half percent well our monthly payment just went up by a hundred and eighty five dollars so let's go two hundred in property taxes zero and condo fees 100 and utilities and zero and other so now instead of having having to earn seventy five thousand dollars to qualify for that mortgage to buy that home with I percent down you now need $82,000 with a household income to buy the same home with a very very small increase so if we go over and let's put mortgage payment and we're going to put in our numbers so the numbers are 341 643 decimal 75 that's the same numbers over here monthly payment 25 years we're at four and a half percent now five-year term monthly payment has gone up so we're paying out a hundred and eighty dollars a month more over that five-year term and we owe more on the house by about five thousand dollars so you can see when the interest rates go up it's costing us it doesn't seem like they've gone up a lot but actually they have so let's go and calculate this and now instead of it costing us 989 a month in interest over here same house just different interest rate is now costing us 1269 in interest so even though the payment only went up by a hundred and sixty sorry one hundred and eighty dollars this went up substantially and you can see that you're forced savings program is no longer as effective I hope that is explained why to buy a home now when you're renting once again this has to make sense for you it's not it's not right for everybody however to find out if this is the right plan for you give me a call my number is right on the screen 250 862 6101 or visit us at apply dash now dot CA and of course our calculators are available to you anytime at mobile mortgage dot mol be a mole bi and those are designed for your phone so you on a smartphone you can take a look and you can figure that out anytime then after we've got you that figured out then we can find the right home but this really is the first step in getting number one a rate hold over the next hundred and twenty days and then finding the right place to buy until later take care I'm Lou McDonald you capstone academy katy Sarah Lawrence College, Yonkers.

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