ABBOTSFORD CONDOS BY THE CONDO SELLER
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Order Mortgage Reports


To enhance your condo buying experience, it’s our job as real estate professionals to provide you with as much valuable information as possible. It is essential that the buyer be aware of all aspects of the real estate/mortgage market before making a major decision. Whether it be through newsletters, checklists or news articles, we are here to make this process stress-free and rewarding. Please access our free reports today!

Split Mortgages
The unstable rise of interest rates are leading more Canadians towards investing into split mortgages. Combination mortgages or Step Mortgages, allow consumers to split their loan among different interest rates and terms,
Refinancing
Refinancing to consolidate your debt is the smartest way to get control of your future. Today many credit card corporations charge from 8 – 20 % interest rate compounded. This can quickly drown the consumer in debt payments beyond his means,
A Mortgage You Can afford
The most important thing to remember when buying a home is that you have to pay for it. This may seem obvious, but when people are buying a home, emotion sometimes causes them to buy without doing the math first.
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Crunch Your Numbers


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.


Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Buyer's Reports

How To Buy A Condo

Click Here >>


Free Buyer's Guide

Condo Buyer's Guide By CMHC

Click Here To Order


 

Abbotsford Real Estate By Century21 Coastal Realty REALTORS®

Raj Dhaliwal, REALTOR® | Cell: 604 614 9294
Century21 Coastal Realty Ltd. | 24Hrs: 604 599 4888
105 - 7928 128 Street, Surrey BC V3W 4E9

Raj Dhaliwal is a REALTOR® with Fraser Valley Real Estate Borad in the Province of British Columbia. The enclosed information while deemed to be correct is not guaranteed. Please consult a professional before buying or selling real estate. This communication is not intended to cause or induce breach of an existing agency agreement. All Rights Reserved.

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