ਕਈ ਘਰ ਖਰੀਦਣ ਨਾਲੋਂ ਕਿਰਾਏ ਤੇ ਰਹਿਣ ਨੂੰ ਤਰਜੀਹ ਕਿਉਂ ਦਿੰਦੇ ਨੇ? | Renting vs Buying a House | RED FM Canada

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  • Опубликовано: 18 окт 2024
  • Renting versus owning, what is better for you?
    Guest: Ranjit Singh, Housing Commentator
    Host: Shameel Jasvir, RED FM Toronto
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    #redfmcanada #renting #buyingahome #rentingvsbuying #housingmarket #talkshow

Комментарии • 71

  • @TheDonjuan15
    @TheDonjuan15 8 месяцев назад +8

    This is an important discussion. We've been programmed to think home ownership is always the best option. It's not. It might be for some people but it needs more careful thinking rather than automatically making the decision to purchase the home.

    • @rishi505
      @rishi505 8 месяцев назад

      JUSTIN T create mess in Canada . no body happy under liberals . He need to resign

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      I have home, but I found that if you enjoy life renting is way better than ownership

  • @Ranapritpal
    @Ranapritpal 13 дней назад

    Bha ji, bahut vadiya analysis kita hai. Life is to live and enjoy

  • @T.dot.
    @T.dot. 8 месяцев назад +6

    Let me tell you a little secret, both of the these guys own their homes

  • @gumukhsinghguraya4819
    @gumukhsinghguraya4819 8 месяцев назад +3

    ਬਹੁਤ ਵਧੀਆ ਟੋਪਿਕ ਹੈ ਸ਼ਮੀਲ ਜੀ ਸ਼ੁਕਰੀਆ ਜੀ

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      I have home, but I found that if you enjoy life renting is way better than ownership

  • @ibrahimm2012
    @ibrahimm2012 6 месяцев назад +2

    It’s time to go back home ❤

  • @anubhavberi4753
    @anubhavberi4753 8 месяцев назад +4

    I think everyone should own atleast 1 home.
    Pros
    1) Provides roof over your head.
    2) No capital gain tax when you sell it. (Best tax break advantage)
    3) If you want to rent it, in about 5-6 years statistically yours rents will cover your mortgage.
    4) Interest rates won't be 5 percent forever. Once they are lower you will see some appreciation.

  • @sandhu22gg
    @sandhu22gg 2 месяца назад +1

    can I ask both of them a question .. do they both own houses in Canada or not ??

  • @BaljitSingh-np8wq
    @BaljitSingh-np8wq 8 месяцев назад +3

    I am in India, but have most of relatives in Canada. I enjoy your programs very well.
    My observation, your most of programs revolve around only home ownership and related topics like mortgage etc because that is what our community understand.
    I think you may start programs on other investment opportunities like shares, mutual funds, savings plans like RRSP, resp etc etc.
    Let our community know little more than what they already know.
    Regards

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      I have home, but I found that if you enjoy life renting is way better than ownership

  • @rajinderpalsinghsandhu5891
    @rajinderpalsinghsandhu5891 2 месяца назад

    Very good discussion and eye opener for Indian community

  • @Harjinderbrar-j2e
    @Harjinderbrar-j2e 7 месяцев назад

    ਅਜੀਤ ਅਖ਼ਬਾਰ ਵਿੱਚ ਅਜ ਦੇ ਵਿਚਾਰ ਮੁਤਾਬਕ ਸਚਾਈ ਆ ਕਿ
    ਮੂਰਖ ਲੋਕ ਤਾਂ ਘਰ ਬਣਾਉਂਦੇ ਹਨ ਪਰ ਸਮਝਦਾਰ ਲੋਕ ਉਹਨਾਂ ਹੀ ਘਰਾਂ ਦੇ ਅੰਦਰ ਕਿਰਾਏਦਾਰ ਬਣਕੇ ਵੱਸਦੇ ਹਨ।
    ਧੰਨਵਾਦ ਜੀਉ।

  • @jigerkijeet
    @jigerkijeet 4 месяца назад

    WATCHING FROM UK. ALL YOUR PROGRAM ARE VERY INFORMATIVE

  • @pehalwan007
    @pehalwan007 8 месяцев назад

    Honestly first time you guys invited some peace minded and good intellect level mind person on air. Mr shamil is also a good host and have good intellect level. Rest mostly all other people looks more materialistic or money minded

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      I have home, but I found that if you enjoy life renting is way better than ownership

  • @Sandeep14736
    @Sandeep14736 8 месяцев назад +2

    Dave Ramsay’s rule on how much house you can afford - 15 year mortgage with 25% after-tax salary going towards all house expenses (e.g. service tax, utilities, mortgage)

  • @taranjitsingh2714
    @taranjitsingh2714 8 месяцев назад +2

    16:46 very nice…

  • @laebeli
    @laebeli 2 месяца назад

    I like what the guest said at 21:00

  • @gd_vancity
    @gd_vancity 8 месяцев назад +3

    Information presented here is completely misleading, you did
    not consider the cost of increasing rents, which is way more than the real estate appreciation

  • @mohindersandhar4736
    @mohindersandhar4736 7 дней назад

    Veerji aauj da program bahut vudiaa hee but Veerji jihrhe old people ne kuj buche ohna noo Garon bahar kud dinde ne oh kithe jaan ki kurn ki government ohna noo shelters ja kuj ho opinion hee jrur program kro bahut lorh hee iho jihe programs di

  • @ramjoshi771
    @ramjoshi771 5 месяцев назад

    Very good information.

  • @sardarpunjabi5340
    @sardarpunjabi5340 8 месяцев назад +1

    Nice discussion

  • @elmora2655
    @elmora2655 7 месяцев назад

    Cost of money borrowed is another factor, the down payment you give also have potential to earn interest or possible returns if invested in stocks or even in mutual funds. Also actual amount paid to bank is maximum adjusted towards interest initially and the principal amount reduces negligibly.
    Renting is always better, from financial point of view.

  • @navpreetsingh9373
    @navpreetsingh9373 8 месяцев назад +2

    My close friend bought a house below his affordability recently and still feel tight.

    • @rishi505
      @rishi505 8 месяцев назад

      JUSTIN T create mess in Canada . no body happy under liberals . He need to resign

  • @gurdevsingh7077
    @gurdevsingh7077 6 месяцев назад

    Shakil ji yeh ek truth hai ki ek generation puri kanjosi or hard work de nal Home build karde ho per agle gen he enjoy kardi hai

  • @RaiJoot
    @RaiJoot 6 месяцев назад

    Very nice

  • @manikaur9097
    @manikaur9097 8 месяцев назад

    Ik sach aa but ah zindgi hee kitaye da ghar baki siyaney ho phir ghar apna ta tuhadey man dey beham aa jado akhri saah nikdey odo samaj paindi paindi jaroor aa

  • @malrajaulakh1113
    @malrajaulakh1113 3 месяца назад

    Easy suggestion
    Na te Desi kolo rental house ( whatever ) lavo AND
    Na hi kise Desi nu ( your property ) Devo
    Easy

  • @navrishisharma5642
    @navrishisharma5642 8 месяцев назад +3

    Kise hor nu paise dena te 20-25sal ch ghar vi thoda nahi .. that is what renting is .

    • @simranpreetsingh2153
      @simranpreetsingh2153 7 месяцев назад

      Lol stop buying anything than cuz u paying for someone right ?

  • @parmarja
    @parmarja 8 месяцев назад +5

    It is amazing that even desis are realizing that owning a home is almost always more expensive than renting. Hopefully the real estate agents also stop misguiding immigrants and renters by telling that they paying landlord's mortgage.

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      I have home, but I found that if you enjoy life renting is way better than ownership

    • @gurpreetsingh-rb9sq
      @gurpreetsingh-rb9sq 7 месяцев назад

      Real estate agents do ask buyer to buy, it’s the buyer who always have chip on their shoulder that they need to buy house otherwise our desi community will always consider them as a failure!.
      If you own a house I pity you

  • @sandhu22gg
    @sandhu22gg 2 месяца назад

    22 g my monthly mortgage is 800 mortgage + 200 property tax and you are saying I should sell the property and go on rent and apartment rent in our is $ 1800 for the same sq ft property.. then in think you have to do your working again.

  • @taranjitsingh2714
    @taranjitsingh2714 8 месяцев назад +1

    29:58 is the 39% of income gross or net after taxes?

  • @neetikaptan1343
    @neetikaptan1343 8 месяцев назад +7

    Desiya di life ghar to start ethe hi khatam 😂

    • @Mr-Faraz92
      @Mr-Faraz92 8 месяцев назад +1

      Desi maray labday lash v bai bos jandi ghar wich

    • @vci_ds
      @vci_ds 8 месяцев назад

      😂😂

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      I have home, but I found that if you enjoy life renting is way better than ownership

    • @ਸੰਘੇੜਾਦੁਆਬੀਆ
      @ਸੰਘੇੜਾਦੁਆਬੀਆ 6 месяцев назад

      @@parmindergill56sahi gall aa veer income 5000 te supne ghar de bht aukha

  • @bhupinderkalra5188
    @bhupinderkalra5188 8 месяцев назад

    At 5 percent rate of interest the renting is much cheaper than buying and buying is viable to those putting large down payments.

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      I have home, but I found that if you enjoy life renting is way better than ownership

  • @T.dot.
    @T.dot. 8 месяцев назад +1

    I own my home, would never sell. Renting is for taprivaas, always own a roof over your head so nobody can kick your family out.

  • @taranjitsingh2714
    @taranjitsingh2714 8 месяцев назад +1

    Townhouse for $1M…welcome to Canada 🇨🇦

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      I have home, but I found that if you enjoy life renting is way better than ownership

  • @gill_avi
    @gill_avi 8 месяцев назад +2

    Baii yr mai eh hran tusi 20-22 saal km kime krge,,, yr garden,, grass cutna,,,, eh tn koi madi gl ni,,, kuch gla thik aa,, tusi sochdeo 20 saal pehla de hisaab naal vi koi 2 lakh dollars bna hoii ni skda,, ਪਤੰਦਰਾਂ ਕੋਈ ਤਾਂ ਚੱੜਦੀ ਕਲਾ ਵਾਲੀ ਗੱਲ ਤਾਂ ਕਰ,,, ਜਿੰਨੀ ਕ ਬੰਦੇ ਦੀ ਹਿੰਮਤ ਉਨਾ ਤਾਂ ਕਰਨਾ ਚਾਹੀਦਾ… anyways apo apni sochni aa 👍

    • @awindersingh9869
      @awindersingh9869 7 месяцев назад +1

      prawa hun pata chalda Canada Wale lok bimaar kyo nhi hunde te Punjab wale kyo hunde ne 25 30 saal reason instalment

    • @ਸੰਘੇੜਾਦੁਆਬੀਆ
      @ਸੰਘੇੜਾਦੁਆਬੀਆ 6 месяцев назад

      Bro ajj di gall kr reha o jo ajj de halaat aa

  • @SunnyR-yi9te
    @SunnyR-yi9te 2 месяца назад

    JUSTIN T. & JAGMEET need to resign
    Home Crisis , Inflation , Two bedroom puppy colleges , High Rent , crime and POOR Medical service .
    Canada need only 200k students but in flow is 1 million
    Justin T need to give answer

  • @narindersingh5839
    @narindersingh5839 7 месяцев назад

    Fun fact is that richest guys own so many real estates. According to this discussion, every homeowner or companies that are making apartments for renting them out are in loss. Loll😅😅

  • @laebeli
    @laebeli 2 месяца назад

    What the Heck is this guest talking about at 16:00? You CAN take care of your lawn and go do Vacation as a homeowner.

  • @Sidhu-f2j
    @Sidhu-f2j 8 месяцев назад

    Winnipeg always cheeped starting home price 3 hundred thousand

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      I have home, but I found that if you enjoy life renting is way better than ownership

  • @CharanjitSinghDevgun
    @CharanjitSinghDevgun 8 месяцев назад +1

    Once you become Canadian, then you are Canadian. What is Asli Canadian ..........?
    This is how you differentiate people and bring inequality in society
    This is not expected from someone who is hosting the show 😞
    Words should be chosen appropriately & I feel there is a lack of vocabulary

    • @rishi505
      @rishi505 8 месяцев назад

      JUSTIN T create mess in Canada . no body happy under liberals . He need to resign

    • @parmindergill56
      @parmindergill56 7 месяцев назад +1

      I have home, but I found that if you enjoy life renting is way better than ownership

  • @sirtajsingh2132
    @sirtajsingh2132 8 месяцев назад

    Mr Shameel menu tuhadia glaa to lagda owner nhi hona chihada sirf pride hona te students te kiraya lena te loka nu dikhawa karna h tuc owner to Khushi nhi ho

  • @jatindersingh1288
    @jatindersingh1288 8 месяцев назад

    Ghar apne comfort lyi lyu mein

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      I have home, but I found that if you enjoy life renting is way better than ownership

  • @sirtajsingh2132
    @sirtajsingh2132 8 месяцев назад

    Te khndw ho bhuggto student to mortgage lende ho Har banda kue bhugte

  • @himanshurana4751
    @himanshurana4751 23 дня назад

    Kyun GTA ch regina hai.lokaan di akal ch kyun pathar paye ne

  • @parmindergill56
    @parmindergill56 7 месяцев назад

    I have home, but I found that if you enjoy life renting is way better than ownership

    • @parmindergill56
      @parmindergill56 7 месяцев назад

      Punjabis are very very very greedy people