ਹਾਊਸਿੰਗ ਦਾ ਨਕਸ਼ਾ ਬਦਲੇਗਾ ਨਵੇਂ ਮੌਰਗੇਜ ਨਿਯਮਾਂ ਨਾਲ | Mortgage Rules & Applications | Housing Market

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  • Опубликовано: 23 дек 2024

Комментарии • 50

  • @bluefalcon0001
    @bluefalcon0001 14 часов назад +9

    Mrs. Bhogal has to keep a neutral tone regarding mortgages because it’s her business. The reality is the 1:3 model. 1/3 Canadians are mortgage free, 1/3 Canadians have a mortgage(mostly big mortgages), 1/3 are renters. There is already enough housing in Canada for more than 50M people. The issue is many Canadians have more than 1 home including politicians(lol) and those people have made housing a money making sector in Canada, where it’s now the largest sector in the economy. Look at how many jobs depend on RE. Any country that uses housing as a sector can never have a growing economy. This needs to crash.

  • @usmansikandar8022
    @usmansikandar8022 14 часов назад +16

    what a shame that all the discussion in this country revolves around a stupid topic of housing than innovation

    • @manjit-79
      @manjit-79 12 часов назад +2

      Canada is a kind of storage unit of US, what sort of innovation you are expecting from a warehouse?

    • @amerjeetsingh9215
      @amerjeetsingh9215 8 часов назад

      You are right brother

  • @jassy583
    @jassy583 14 часов назад +4

    Shameel ji is the best host. In canada we should be proud of shameel ji who is bringing the truth infront of the consumer. I wish shameel ji a lot of success and also the mortgage host she is very profesional. People who are doing fraud have made canadian economy a mess. Thanks to our leaders and financial regulators who let this happen . Mortgage fraud will be history and people will be able to afford homes once this is stopped.

  • @Sandeep14736
    @Sandeep14736 14 часов назад +7

    Mortgage should always have been linked with tax filing. Allowable maximum limit = (Last two or three years di average taxable income) x 2.5

    • @GoodCitizen-eh1id
      @GoodCitizen-eh1id 14 часов назад +2

      Mortgage has nothing to do with tax . It should be tied to risk, ownership and credit history

    • @GoodCitizen-eh1id
      @GoodCitizen-eh1id 14 часов назад +1

      If interest is not tax deductible so no need for it to be related to tax.

    • @GoodCitizen-eh1id
      @GoodCitizen-eh1id 14 часов назад

      We had this issue because they let ppl take mortgages without their stake and risk. Mortgage is just like any other interest which doesn’t require your CRA income proof. Only your stake and ability to service the debt. The bigger your down payment more is your risk and this will control multiple properties holdings by single party.

  • @gigachad_6862
    @gigachad_6862 14 часов назад +6

    Lokan ne 15-15 ghar laye hoye a nakli mortgage te

  • @JohnSmith-ek5he
    @JohnSmith-ek5he 13 часов назад +10

    This rule should be implemented. All those punjabi slumlords from Brampton and Surrey will be out of houses that they cannot afford.
    Due to these scammers, the housing market has become unaffordable.

    • @GoodCitizen-eh1id
      @GoodCitizen-eh1id 13 часов назад

      @@JohnSmith-ek5he there is better way to handle that. This system will benefit only some section of the society not everyone. It pushes for modern slavery.

    • @GoodCitizen-eh1id
      @GoodCitizen-eh1id 13 часов назад

      @@JohnSmith-ek5he that issue can be tackled with staggered approach more risk more interest rates thus pushing the speculators and slumlords out of this business. Ppl took these loans at 2 pct if the loans were high they wouldn’t have gone for accumulating too many properties holdings

  • @4X4-d8o
    @4X4-d8o 13 часов назад +2

    I don’t support mortgage fraud.Ehh broker ta iss tara keh rahi jive app sarian straight mortgage hi kitian.. Straight mortgage ta bank to ho jandi aa. Fir isnu kisne puchna c.. Apni advertisement lai sare dudh dhote ban jande ..Mortgage Broker vi and LMIA wale consultant vi

  • @gaganpreetsagu816
    @gaganpreetsagu816 13 часов назад +1

    Linking cra to mortgage application is the first and mandatory thing to do.

  • @ajmerdhillon3013
    @ajmerdhillon3013 13 часов назад +1

    ਫੇਕ ਮੌਰਟਗੇਜ ਘੰਟਿਆਂ ਵਿੱਚ ਹੁੰਦੀ ਹੈ,ਸਹੀ ਮੌਰਟਗੇਜ ਨੂੰ ਮਹੀਨੇ ਲੱਗ ਜਾਂਦੇ ਹਨ । ਕੰਮ ਸਾਡੇ ਪੰਜਾਬ ਵਾਲਾ ਹੋਇਆ ਪਿਆ ਹੈ।

    • @AK-bp2qp
      @AK-bp2qp 11 часов назад

      ਪੰਜਾਬੀਆਂ ਨੇ ਹੀ ਕੀਤਾ ਪੰਜਾਬ ਵਾਲ਼ਾ ਹਾਲ ਕੈਨੇਡਾ ਦਾ

  • @ranjitgill7432
    @ranjitgill7432 7 часов назад

    ਫੋਰਡ ਦੇ ਨਾਲ ਹੀ ਘਰਾਂ ਦੀਆਂ ਕੀਮਤਾਂ ਵਧੀਆ ਸਨ।ਰਿਅਲਸਟੇਟ ਵਾਲਿਆਂ ਨੇ ਕਨੇਡਾ ਦੀ ਹਾਉਸੀਗ ਦੀ ਡੰਡ ਲਾਹ ਛਡੀ।

  • @AmolGharat
    @AmolGharat 12 часов назад +2

    Poor lady can't even show her real disappointment with income verification 😂

  • @Skspkp
    @Skspkp 8 часов назад +1

    country couldnt be run on real estate and immigration, country need productivity, forign investments, exports, future oriented investments, but unfortunatley canada has nothing one of these

  • @Summer-l3h
    @Summer-l3h 10 часов назад

    It is said that 80% of Canada’s land mass region is covered by rocky terrain and tundra, with frozen ground (permafrost) and soil that is not suitable for farming.

  • @pammibub2021
    @pammibub2021 5 часов назад +1

    Haale Vi realtors Hatt nahi rahe ,Apna ghar chalaun layi ,baar baar phone karde ,this is best time ! Bullshit No time is good or bad ,only affordability is key factor

  • @happyfamilyvlogs446
    @happyfamilyvlogs446 9 часов назад +1

    Good.truckers don't pay taxes

  • @GoodCitizen-eh1id
    @GoodCitizen-eh1id 13 часов назад +1

    She doesn’t impress with her answers and have very shallow knowledge on this subject.

  • @ramnarain6177
    @ramnarain6177 9 часов назад

    Is this the same as in bharat. What is the difference between Canada and bharat

  • @harwindersarkaria1455
    @harwindersarkaria1455 13 часов назад +2

    Fraud everywhere, top on Ontario

    • @AK-bp2qp
      @AK-bp2qp 11 часов назад

      SURREY & BRAMPTON

  • @moneymindset-j9c
    @moneymindset-j9c 9 часов назад

    Khuch ni hona sirf hawabaazi hai i am listening from 20 years

  • @ashokkalia4151
    @ashokkalia4151 10 часов назад

    You as a host tells the truth and does your guest.

  • @belikebhangu77
    @belikebhangu77 13 часов назад

    Badlana eh va k koi ghar ni lea sakuga , vadia companies ee kheridan gia😢

  • @samtaylore5601
    @samtaylore5601 5 часов назад

    Her accent

  • @BalvirSinghsekhon
    @BalvirSinghsekhon Час назад

    India is much better country .cover of foreign life removed by people who did heavy migrations to dying countries. But know india is also in trouble.

  • @VikJat-u1q
    @VikJat-u1q 8 часов назад

    Canada needs one million new people to keep the Canadian economy alive otherwise everything here will be ruined.
    mortgage is business with risk and profit loss and there is nothing fraudulent about it.. North America is capitalist economics please do not mislead innocent people.
    Go to school

  • @GoodCitizen-eh1id
    @GoodCitizen-eh1id 13 часов назад

    Linking mortgage will be the biggest fraud. Think about it. If you bought home for 1 million as CrA document show you can afford. So when times come for renewal and you lost your jobs around that period and have lesser income than you cannot qualify again or move to another lender although now you may have more equity in the home an may have some savings to handle the payments.

    • @Skspkp
      @Skspkp 8 часов назад

      Thats the issue for you guys who bought multiple houses, be ready to crash the market till end of next year, immigration down, rents dowm, mortgage deliquencies up, no LMIAs from spring 2025, no jobs. Be ready to sell your houses

    • @GoodCitizen-eh1id
      @GoodCitizen-eh1id 13 минут назад

      @ you made a wrong assumption. This situation can happen to a person with single home. Anyone can get screwed. It’s a timing issue. Esp when people have to renew again and again. It will be okay if they offer 30 yr mortgage so that ppl don’t have to worry every 4-5 yrs.

  • @GoodCitizen-eh1id
    @GoodCitizen-eh1id 14 часов назад +1

    no linkage related to cRA is required. only thing required is staggered interest rates with the combination of down payment. Like first $500 k @2.5 pct second 500k @3.5 pct next $500k at 4.5 pct and next $500k at 5.5 pct this will give everyone access to the mortgage. And no need to for awarding one set of ppl. It will become product centric instead of income centric. Esp when incomes not guaranteed for longer periods as the market trends change significantly and rapidly

    • @jassy583
      @jassy583 14 часов назад

      Linkeage is must

    • @GoodCitizen-eh1id
      @GoodCitizen-eh1id 13 часов назад

      Linkage means you are being trapped by the govt. delinquencies are happening not entirely due to mortgage fraud it is happening due to wrong policies of govt. ppl can’t pay if mortgage becomes 3 times of the contract rates it cannot save any. If your mortgage is 40 pct of your gross income. And now you multiply that by 3 it means your mortgage exceeds your gross income which is way higher than your net income. So in reality mortgage and CRA linkage has nothing to do with it. Things break when you are enticed to take too much of mortgage at very cheap rate beyond the risk limits.

    • @GoodCitizen-eh1id
      @GoodCitizen-eh1id 13 часов назад

      Also mortgage fraud is deliberately created if everyone is treated equally based on the risk then both the risk and zero fraud is managed

  • @ajmerdhillon3013
    @ajmerdhillon3013 11 часов назад +1

    ਫੇਕ ਮੌਰਟਗੇਜ ਘੰਟਿਆਂ ਵਿੱਚ ਹੁੰਦੀ ਹੈ,ਸਹੀ ਮੌਰਟਗੇਜ ਨੂੰ ਮਹੀਨੇ ਲੱਗ ਜਾਂਦੇ ਹਨ । ਕੰਮ ਸਾਡੇ ਪੰਜਾਬ ਵਾਲਾ ਹੋਇਆ ਪਿਆ ਹੈ।