My advice for ppl is to have a deposit of 20% of the purchase price, which is the norm. If you buy with less deposit, like they did, you will pay mortgage insurance which is quite high and will likely add the equivalent of 2% interest to your mortgage. They should have used that money they were saving for a bigger deposit bc it would have decreased the loan and saved them on interest and therefore lower repayments. Do not use credit cards, mortgage interest is between 5-6%, while most credit cards charge 22-25% interest.
Ito po ang mga comment na may sense. Salamat po. Nanonood po ako ng ganito kasi malapit na din po ako maka alis in God's Grace may working visa na po ako. Salamat po sa comment nyo.
Thanks for sharing your experience po, i think it will be helpful for people who are considering to settle near your area in Manitoba. ❤ Just want to correct po na usually property tax payments, if you do decide to pay it with your mortgage, goes to an “escrow” account. Naiipon po yung binabayad monthly till the time that you have to pay the property tax due. Hindi po sya dumadagdag sa mortgage balance, thus walang interest. But given na $1k+ lang ang property tax nyo, it makes sense din kahit ipunin nyo na lang separately.
Fresh off boat pinoys always post stuff to entertain 3rd world audience back in the slums of the Philppines ....😂if you can buy house with acreage atlest 10 acres fully paid no loan like what my family back in 1988...😂 i would be impress😂😂😂
Well, good for your family😅 we are happy to know how rich your family then, thanks for sharing😉 FYI our aim is not to impress people.. we're just a simple people whatever we have even if it's from a debt we're happy, proud and contented because we know we worked hard to get what we have, we didn't stole and cheat anyone. Thank you for visiting our channel God bless you.
Hello mga katoto. Thank you for this video. We are praying and considering to move there from BC. God willing. You are blessed kasi ang mura ng bahay dyan. Pwde po ba magtanong ng work ninyo po? Thank you
Mababa po talaga ang cost of living sa Manitoba at Sascachewan .VS sa toronto , Ottowa , Vancouver , BC .. at Calgary .. kasi dyan my 600 na room apartment ..sa Calgary , Vancouver ,BC at Toronto at Ottowa. .. kz sa Iba place nasa 1200 ang pinaka murang room apartment
3 piece lang po ang tawag bathroom nyo sa main floor... kasi po ang 4 piece is may...1) toilet...2) sink 3) bathtub and 4) shower.... seperate po dapat ang bath tub at ang standing shower.. .. yun po ang 4 piece .. thanks po
Owning a house abroad is a great achievement. Hndi lahat nakakabili ng bahay dahil mahal. Investment din yan pag ibebenta na when you decide to retire in the Phils. Bahay namin $185,000 bili namin in 1996, ngayon $980,000 na value. Kayo mukhang magaling dng magbudget at mag ipon.
Thankful kami boss na nasagot po nila mga tanong nmin. Kasi I'm planning to move po ng canada. F papalarin this year na. Same po kami ng province nina boss Arpee Tv kaya po kmi nagtanong para my idea po kami🤗🤗🤗... Kaya boss kung naiinggit ka lang sa kanila, aww atakihon jud ka ana kadugayan. Heheheh😂😂😂
TIP: If your wages are paid fortnightly, it's better to pay your mortgage fortnightly, twice a month. Mortgage monthly payment $1399 x 12 = $16,788 a year. Fortnightly payment $699.50 x 26 = $18,187 a year. You reduce your loan by $1399 without feeling it, that's a lot of mortgage interest you will save bc the interest is calculated daily but added to the loan account monthly. The earlier you reduce the loan the more savings and equity you get.
Hello kabayan, anong area kayo sa Canada, itanong ko lang yong heating nyo may hot water rental ba kayo ? now rental pataas din ng pataas and the worse thing no due dates daw ang contract as long as running good you are in the contract , or one options you need to buy out kahit luma na ang tank, paano makalipat sa ibang provider ng hindi malaki ang babayaran.
Nasa dauphin manitoba po kami katoto, monthly payment po kmi sa electricity/gas at yung water po quarterly po ang bayad ngsusuply po ay ang municipality. Depende po kng mgknu ang usage na gnmit mo ang bbyaran. Hnd po rental..meron po kmi tank pero as a owner ng bhy kmi po ang bibili at magppagawa kung skli na sira.
Sobrang lamig dyan sa Manitoba kaya masyadong mura bahay dyan. Pero ang daming Pilipinong nagsilipat dito sa Vancouver KASI very mild ang winter dito. Pag sobrang lamig madaling maging brittle ang buto natin at pagtanda. arthritis ang dadali sa iyo na parang mga Alimango ang mga kamay mo.
Ang mura pala ng bahay dyan sa inyo sa dauphin boss.. sa pinsan ko sa Saskatoon, ung bahay nila 270k pero luma na na bahay pero may basement din.. pro mas maganda yang sa inyo boss. Tpos gawa na ang basement ninyo.. maganda xa for business.. salamat din boss at least nagawan po ninyo ng video kung mgkano yang bahay po ninyo. Kila misis cguro mas mura ang bahay doon kasi remote are xa ng Manitoba kya parang ayaw nmin doon bumili ng bahay kasi ang layo sa city🤗🤗🤗
Nag pop up lang homepage ko. Very inspiring, soon po Montereal, Quebec po landing job ko as truck driver. Natanggap ko na Working Visa ko😍. Process nalang OEC ko. Manifesting.
May nasasani ka pang understood same lng naman sa inutang mo na bahay syempre bahay mo na yun matawag mo na na bahay mo na yun kaninong bahay kapitbahay mo😜
kahit na sabihin mo na bangko pa ang may ari nyan bahay. ang equity nyan sa may ari mapupunta hindi sa banko. ganun talaga ang term. nakapangalan sa kanila ang bahay kaya matatawag mo na pagmamay ari nila yan.
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My advice for ppl is to have a deposit of 20% of the purchase price, which is the norm. If you buy with less deposit, like they did, you will pay mortgage insurance which is quite high and will likely add the equivalent of 2% interest to your mortgage. They should have used that money they were saving for a bigger deposit bc it would have decreased the loan and saved them on interest and therefore lower repayments.
Do not use credit cards, mortgage interest is between 5-6%, while most credit cards charge 22-25% interest.
Ito po ang mga comment na may sense. Salamat po. Nanonood po ako ng ganito kasi malapit na din po ako maka alis in God's Grace may working visa na po ako. Salamat po sa comment nyo.
Thanks for sharing your experience po, i think it will be helpful for people who are considering to settle near your area in Manitoba. ❤
Just want to correct po na usually property tax payments, if you do decide to pay it with your mortgage, goes to an “escrow” account. Naiipon po yung binabayad monthly till the time that you have to pay the property tax due.
Hindi po sya dumadagdag sa mortgage balance, thus walang interest. But given na $1k+ lang ang property tax nyo, it makes sense din kahit ipunin nyo na lang separately.
Thank you po for sharing the info.
Fresh off boat pinoys always post stuff to entertain 3rd world audience back in the slums of the Philppines ....😂if you can buy house with acreage atlest 10 acres fully paid no loan like what my family back in 1988...😂 i would be impress😂😂😂
Well, good for your family😅 we are happy to know how rich your family then, thanks for sharing😉
FYI our aim is not to impress people..
we're just a simple people whatever we have even if it's from a debt we're happy, proud and contented because we know we worked hard to get what we have, we didn't stole and cheat anyone.
Thank you for visiting our channel
God bless you.
Hello mga katoto. Thank you for this video. We are praying and considering to move there from BC. God willing. You are blessed kasi ang mura ng bahay dyan. Pwde po ba magtanong ng work ninyo po? Thank you
Hello po maraming salamat po pag bisita sa aming munting chanel ,sige po gawan kupo ng video ang mga naging trabahao kupo dito ☺️
God bless
@@arpeetvthank you bro. Classmate ko pala so Lalaine Jacildo 😊
Wow? very inspiring story buy house 205 k dollar
.how about rent boarder pilipino how much a month for rent. Thanks Gud luck
Cost of living sa Dauphin Manitoba Canada//ARPEE Tv //pinoy in Canada // ofw in Canada
ruclips.net/video/xNOMl8laOt8/видео.html
Ano pong school tax credit?
WOW, 205K ONLY ..SOO SOO CHEAP, U CANNOT BUY LIKE THAT IN VANCOUVER 500K ONLY 1BR APT...I LIVED HERE FOR 40 YRS N LIKE TO MOVE THERE NOW...THNKS...
Natawa ran nyo pa house nyo, wala bang bidding dyan?
Yes po natawaran po namin
UR HERE NOW FOR 2YRS,,,SO NEEDS TO ADD S ON DOLLARS IF MORE THAN ONE DOLLAR...THNKS...
Wow mura po pala bahay jan samantalang d2 sa israel 50-60% dp 700kusd 4 rooms apartment depende sa area
Wow so cheap we have only 1 bedroom mortgage 400 plus ang presyo maganda ang mag move jan pero malamig dto kami Vancouver
Basically wala po pala bidding war jan unlike here in Toronto? Have a wonderful day po
Meron din po sa ibang lugar like in winnipeg.pro bibihira
Mababa po talaga ang cost of living sa Manitoba at Sascachewan .VS sa toronto , Ottowa , Vancouver , BC .. at Calgary .. kasi dyan my 600 na room apartment ..sa Calgary , Vancouver ,BC at Toronto at Ottowa. .. kz sa Iba place nasa 1200 ang pinaka murang room apartment
Yes po maam tama po👍
3 piece lang po ang tawag bathroom nyo sa main floor... kasi po ang 4 piece is may...1) toilet...2) sink 3) bathtub and 4) shower.... seperate po dapat ang bath tub at ang standing shower.. .. yun po ang 4 piece .. thanks po
Thank you po sa pagshare ng info.
Happy watching po
Pag po ganyan ang yari ng basement nyo me stove ,considered na rental yang basement nyo ,medyo malaki ang tax kaysa ordinary house
Closet po tawag dyan sa cabinet ,at considered na 2 bedrooms lang house nyo kasi ang isa nasa basement
Ang mura ng bahay dyan sa Manitoba as compared dito sa Toronto
kabayan tanggalin mo ung sounds di ko maiindihan paliwanag ninyo
Pasensya napo sa background sound namin
Bawi po kami sa next video
Maraming salamat po sa comment ☺️
God bless
Very inspiring story……
Thank you po
Sincerely, i get fed up ,listening...because of the music...which is really irritating....
Pardon us to make your ears irritating. We didn't mean it.
Anyway, thank you for visiting our channel.
Appreciated much.
Dito sa Mississauga ganyan eh maybe around 1.1 million:(
Wow ang mahal po dyn.
Thanks po sa pag share nyo ng experience nyo jan sa Canada. Laking tulong po sa mga nanonood sa inyo.
Thank you po 😊 enjoy watching
Since your downpayment is 5 percent you need cmhc insurance. Which will add in to your loan. So your loan must be more than 195000.
Mura ang bahay diyan. Sa toronto 5 rooms bungalow cost 1.2 m now adays.
New subscriber from Kuwait soon to be in Canada...
Thank you po. 😀 welcome in advance po sa inyo dito sa CANADA🇨🇦
Hi po watching from Saudi Arabia ask lng po sana PR na po ba kayo dumating diyan thank you po
Temporary foreign worker po kmi dumating dto sa canada.
May mga video po kmi na bka pwd makatulong sainyo.
Wowww manyaman vouple kabayan.cge pgdating ko jan trailer driver sa inyo ko makituloy ha😂❤❤❤
watching here in hk na inspire ako sa sharing nio God bless see u in Canada dream lang in God perfect plan
Maraming salamat po sa panood☺️
❤❤❤God bless u both
Hi po, ask lang ilang years po kayo sa canada bago kayo kumuha ng bahay?
2 years po ako dito sa Canada bago namin nakuha yung una naming bahay then after 1 years naka kuha ulit kami ng 2nd house namin
@@arpeetv salamat po sa reply 😊 applying for canada po dito sa israel. Thanks sa info.
Ayos po
one day pupunta kana po dito ☺️
magkano ang salary bracket para maka bili ng ganyang halaga ng bahay
Depende po kahit na malaki ang sahod kung hindi po maganda ang credit history po or yung credit score hindi po ma aaprobahan ng banko sa mortgage
Very informative Sir ka toto❤
Thank you po
Lawyers fee ranges from 1200 to 2000 dollars only. Hindi 4 percent ng value ng bahay.
Thank you po for sharing the info
nice one
Ang Ganda ng bahay ninyo Ate at Kuya!
Thank you po ☺️
Enjoy watching ☺️
Dapat cnabi nyo kung ilan taon huhulugan
Usually po 25 to 30 years po
how many years po ang mortage ng bahay?
Usually po dito 25 years po
Bahay lng po ba yan hindi kasama ang lote?
Owning a house abroad is a great achievement. Hndi lahat nakakabili ng bahay dahil mahal. Investment din yan pag ibebenta na when you decide to retire in the Phils. Bahay namin $185,000 bili namin in 1996, ngayon $980,000 na value. Kayo mukhang magaling dng magbudget at mag ipon.
Ang laki po ng itinaas ng bahay po ninyo
Salamat po sa info 😊
Nasa California kasi kami
@@arpeetv
Mahal parin ba ang Cost of living Diyan sa Canada ?
Naka depende po sa location or lugar dito sa Canada marami pong mga small city na mababa ang cost of living
Saan po ba kayo sa Canada 🇨🇦
Maam gamit kau ng mic pra malakas ang audio ng video niu po ksi medyu malaks n din ang background music.
Thanks po sa pag advice ☺️
Sa mga next video po namin gumagamit napo kami ng mic
Thanks po sa pag advice ☺️
Sa mga next video po namin gumagamit napo kami ng mic
Watching here in Saskatoon
Thank you
Mura pala bahay dyan sa lugar nyo kabayan
At malaki backyard
Opo mura pa po dito kasi hindi big city
Para sa amin po mas maganda manirahan sa ganitong lugar
Shoutout from Saudi arabia ganda ng mga vlog. Nyo po Maam and Sir..❤❤❤
Thank you po ☺️ next video shout out po kayo
😉 abangan nyo po next video 🤙🏻
payable for 20 to 25 yrs
Thank you po sa info na share nyo. Malaking tulong po pra sa mga ngbabalak bumili ng bahay.
madami daw nagtatanong isa lang ata gusto lang magyabang
pag inggit pikit😅 kung nayayabangan ka baka inggit kalang😂😂
Thankful kami boss na nasagot po nila mga tanong nmin. Kasi I'm planning to move po ng canada. F papalarin this year na. Same po kami ng province nina boss Arpee Tv kaya po kmi nagtanong para my idea po kami🤗🤗🤗... Kaya boss kung naiinggit ka lang sa kanila, aww atakihon jud ka ana kadugayan. Heheheh😂😂😂
Vlogger po sila about life in Canada kaya kasama po may mga house tour ang content nila 😊
Di kayabangan ang magshare ng pinagsikapan, consider it as encouragement & inspiration, pero depend sa mentality ng Tao
Yung presyo ng bahay diyan ay deposit lang dito sa Toronto.
Parang manufactured home ito kaya mura.
Whatever d case, it’s worth to b thankful na able ka makaipon para dp sa bahay, gd investment
Thank you po ☺️
Congratulations, best of luck, and God bless
Shout out from japan.bmj po...
Thank you for watching 😊
Sige po next video shout out po kayo 😀
Enjoy watching
that is how they live in Canada....garahe pa lang...bahay ko na.....thanks for the share...🤠🤠❤🐪🐪
Salamat din po katoto♥️
Mahal namn million na halaga dyan pinas
TIP: If your wages are paid fortnightly, it's better to pay your mortgage fortnightly, twice a month. Mortgage monthly payment $1399 x 12 = $16,788 a year. Fortnightly payment $699.50 x 26 = $18,187 a year. You reduce your loan by $1399 without feeling it, that's a lot of mortgage interest you will save bc the interest is calculated daily but added to the loan account monthly. The earlier you reduce the loan the more savings and equity you get.
Thank you for sharing for this info. Big help to our subscriber. They have an option which method of payment is best for their mortgage in the future.
@@arpeetv You can still change your repayment to fortnightly even if you sign for monthly, that is your choice,
@@tunarolls68 There are 26 fortnights (2 wks) in a year.
Very informative lods,thank you
Salamat po katoto
Please share the video po.☺️
Hello kabayan, anong area kayo sa Canada, itanong ko lang yong heating nyo may hot water rental ba kayo ? now rental pataas din ng pataas and the worse thing no due dates daw ang contract as long as running good you are in the contract , or one options you need to buy out kahit luma na ang tank, paano makalipat sa ibang provider ng hindi malaki ang babayaran.
Nasa dauphin manitoba po kami katoto, monthly payment po kmi sa electricity/gas at yung water po quarterly po ang bayad ngsusuply po ay ang municipality. Depende po kng mgknu ang usage na gnmit mo ang bbyaran. Hnd po rental..meron po kmi tank pero as a owner ng bhy kmi po ang bibili at magppagawa kung skli na sira.
Salamat kabayan sa pag share🥰. God Bless po and Ingats kayo palagi
Sobrang lamig dyan sa Manitoba kaya masyadong mura bahay dyan. Pero ang daming Pilipinong nagsilipat dito sa Vancouver KASI very mild ang winter dito. Pag sobrang lamig madaling maging brittle ang buto natin at pagtanda. arthritis ang dadali sa iyo na parang mga Alimango ang mga kamay mo.
Thank you po sa pag share
Thank you din po sa panonood
New subscriber from Toronto 🇨🇦🇵🇭
Thank you po sa pag suporta and enjoy watching po ☺️ God bless po
Hindi po ba house n lot?
House and lot po
hello gud day
Good day po ,,thank you for watching 😊
Ganda
Thank you po
Ang mura pala ng bahay dyan sa inyo sa dauphin boss.. sa pinsan ko sa Saskatoon, ung bahay nila 270k pero luma na na bahay pero may basement din.. pro mas maganda yang sa inyo boss. Tpos gawa na ang basement ninyo.. maganda xa for business.. salamat din boss at least nagawan po ninyo ng video kung mgkano yang bahay po ninyo. Kila misis cguro mas mura ang bahay doon kasi remote are xa ng Manitoba kya parang ayaw nmin doon bumili ng bahay kasi ang layo sa city🤗🤗🤗
Salamat din po katoto. Please share po ang video☺️
Opo nakadepende po sa lugar yung price ng mga bhay.
Nag pop up lang homepage ko. Very inspiring, soon po Montereal, Quebec po landing job ko as truck driver. Natanggap ko na Working Visa ko😍. Process nalang OEC ko. Manifesting.
Maraming salamat po sa panonood at pag support sa channel po namin sir ,advance welcome po sa inyo dito sa canada ☺️
God bless
@@arpeetv Thank you din po sa info nyo mag asawa. Talagang pinanood din namin ni misis hanggang natapos. God Bless po sa inyo🙏 and more Blessings
Closet not cabinet po
Hindi pa inyo ang bahay totally hangga Hindi fully-paid, so as of now banko pa ang may ari ng bahay.
So u mean pag nagyaya ka sa bahay nyo punta tau sa bahay na inutang ko sa banko ?😂
No, d mo na kelangan ispecify na inutang mo yun sa banko, understood yun, automatic, ikaw ba cash mo ba binayaran bahay mo? Kung may bahay ka man
Syempre may bahay ako at binayaran ko ng cash kaya matawag ko na bahay ko anu😂
May nasasani ka pang understood same lng naman sa inutang mo na bahay syempre bahay mo na yun matawag mo na na bahay mo na yun kaninong bahay kapitbahay mo😜
kahit na sabihin mo na bangko pa ang may ari nyan bahay. ang equity nyan sa may ari mapupunta hindi sa banko. ganun talaga ang term. nakapangalan sa kanila ang bahay kaya matatawag mo na pagmamay ari nila yan.
wow...mura ng bahay dyan ayos. eh dito grabe mahal ung ganyan nsa 350k na yan kung prime area kahit old house.