Из сегодняшнего поста Гарта и его заочной дискуссии с моргидж-брокером Atrina Kouroshnia:
Atrina Kouroshnia: “Seriously, Why Are You Still Renting In Vancouver?”
A few of my friends and neighbours are currently looking at renting a home, and the rates are outrageous. You can easily pay $1,800 for a one-bedroom apartment downtown, and at the end of your lease you’ve padded your landlord’s pockets but haven’t built up any equity of your own. If you’re planning to stay in the area long term, why not consider buying?
Okay, let me count the reasons. First, anyone with five minutes and Kijiji knows there’s a mess of downtown one-bedders available for $1,500 or $1,600. Second, it actually costs less to rent than to own, even with 2.99% five-year home loans and nubile, alluring mortgage agents to deliver them. The monthly costs on a $315,000 box with 5% down ends up being about $2,000 once you add in bank interest, CHMC insurance, strata fees, property taxes and a little heat. Third, why would any clear-thinking Millennial want to spend more money every month and take on a $300,000 debt when she could live in the same unit for $400 less, with no debt?
Fourth, a condo buy in Vancouver when big pieces of the world (including Canada) are closer to deflation than inflation, and yet prices are at historic highs, is insane. Why not let a landlord subsidize you, instead of subsidizing Atrina and the bank? Let some schmuck who thinks he’s a 25-year-old version of Donald Trump take all the risk, while you get to live in his house.
Fifth, hello, does anybody remember BC’s leaky condos? Or was Atrina still in Huggies then? Well, that decimating experience will be nothing compared to the financial tsunami which could hit owners when the great Window Wall crisis materializes. Condo corps simply have not made adequate provision for the fact the entire skin of most new buildings has a lifespan of only 15 years or so. Unlucky owners could be nailed with big assessments and see their equity plunge at the same time.
), когда китайцы перебежали, начальный офер тоже был ниже... но ИМХО, тут все зависит сильно от ценового диапазона...
