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Old 01-04-2019, 08:23 AM   #13701
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^ It's true that it isn't easy to save up for a down payment but it also doesn't help when a lot of the 18-30 year old's have to much of an ego/pride and must live in a 1900$ piece of shit condo. Suck it up and stay with mom and dad if you can. I've no shame admitting that I did it and was able to put down 20% on a place in only a few years. Fuck what people think. When you can bank 70% of your pay check it's amazing how fast you see your account rise. With me and the girlfriend together our mortgage is less than some of our friends rent.

Will I ever be able to purchase a detached home? I hope so... but for the time being owning something is better than paying off someone else's mortgage.
Lol same and especially being Chinese it was completely normal to be home. We had no shame and nobody pressured us to be on our own and as a result was able to throw 20% down and have an address in Vancouver.
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Old 01-04-2019, 10:11 AM   #13702
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@stewie

How much do you think you should be able to save living at a home? $100k over 3 - 4 years? Also do you guys normally give your parents $$ to help out while living at home?
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Old 01-04-2019, 11:00 AM   #13703
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@stewie

How much do you think you should be able to save living at a home? $100k over 3 - 4 years? Also do you guys normally give your parents $$ to help out while living at home?
How much you save depends on how much you make and the life style you choose to live. If you wan't I can shoot you a message with personal finances that I had worked out. But yeah I helped out the parents during that time.
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Old 01-04-2019, 11:30 AM   #13704
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^ It's true that it isn't easy to save up for a down payment but it also doesn't help when a lot of the 18-30 year old's have to much of an ego/pride and must live in a 1900$ piece of shit condo. Suck it up and stay with mom and dad if you can. I've no shame admitting that I did it and was able to put down 20% on a place in only a few years. Fuck what people think. When you can bank 70% of your pay check it's amazing how fast you see your account rise. With me and the girlfriend together our mortgage is less than some of our friends rent.

Will I ever be able to purchase a detached home? I hope so... but for the time being owning something is better than paying off someone else's mortgage.
It is possible. Wife and I just purchased our first home after renting for 5 years. We've saved as much as possible and were able to put down 25% towards our detached home in Surrey. Both of us lived at home until we were in our mid 20's saving for the big day.
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Old 01-04-2019, 12:59 PM   #13705
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I hope my son stays at home for a long time, I wouldn't mind him going away for University just to have that experience but he'll be welcome back I like having him around.

If I made him pay rent it would only be to help him save, I'd put it away for him.
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Old 01-04-2019, 01:12 PM   #13706
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Saving up enough for a down payment has never been easy, and that is why it is increasingly common for first time home buyers to tap into the bank of mom & dad:

https://vancouversun.com/news/local-...d-b-c-notaries

Nothing to be ashamed of with mom and dad helping you out with the downpayment. Their houses are up 100%-400%. Of course they can pull some equity out and help their own blood.

Same thing I would do for my children.
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Old 01-04-2019, 03:03 PM   #13707
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Lol why is it shameful. Unless your kid is a POS, you give to them first, then charity. Aint bringing that property to the grave.

This is what good parents should be doing, setting your kid up for successes. Give when it makes sense to.
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Old 01-04-2019, 03:38 PM   #13708
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Lol why is it shameful. Unless your kid is a POS, you give to them first, then charity. Aint bringing that property to the grave.

This is what good parents should be doing, setting your kid up for successes. Give when it makes sense to.
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Old 01-04-2019, 04:18 PM   #13709
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I don't see myself helping my kids out financially that much or at least I won't be telling them. I look at my 19 year old cousin and he's rocking a new E63S to school (fully paid for) and has no ambition in life because he knows his parents will eventually help him buy a place.
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Old 01-04-2019, 05:13 PM   #13710
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It’s easy to help without giving a handout.
Things should be rewards, not bribes. It’s just like training a dog haha.
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Well.. I’d hate to be the first to say it, but Westopher is correct.
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Old 01-04-2019, 07:07 PM   #13711
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I still love at home with my parents and pay some money for rent although I wish I could save everything entirely so I can afford a down payment quicker.
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Old 01-04-2019, 08:53 PM   #13712
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I don't see myself helping my kids out financially that much or at least I won't be telling them. I look at my 19 year old cousin and he's rocking a new E63S to school (fully paid for) and has no ambition in life because he knows his parents will eventually help him buy a place.
This is where being a parent comes in to play imo. Teach/show your kids how to manage and save money and to also study hard for their future ,etc. But regardless, i will definitely be here to help my kids out if they need without “telling” them like you mentioned. My parents have helped me out with a lot so Ill be doing the same (whether its staying at home so i could save etc)

P.s. damn a brand new E63s as a 19yo. The generation is definitely different now.
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Old 01-04-2019, 10:26 PM   #13713
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Old 01-05-2019, 02:36 AM   #13714
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being Chinese ...as a result was able to have an address in Vancouver.
never understood why a postal code is important, fengshui?
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Old 01-05-2019, 02:44 AM   #13715
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It is possible. Wife and I just purchased our first home after renting for 5 years. We've saved as much as possible and were able to put down 25% towards our detached home in Surrey. Both of us lived at home until we were in our mid 20's saving for the big day.
congrats and good on you guys

definitely the exception, to have a partner that you've been renting with since 20 years-old (when most still aren't sure what to take in college) and having a common goal...hope you didn't sacrifice too much of your youth for it though!
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Old 01-05-2019, 01:26 PM   #13716
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never understood why a postal code is important, fengshui?
No, we both work in Vancouver have a kid where both grandmas watch when we work and they both also live in Vancouver so any other City would make things that much more difficult. If we were to live let's say in Surrey as an example that would involve having our grandmas drive their asses through traffic daily to help us out or us spending an extra hour or more each way daily to drop off/pickup the kid. The majority of our friends also live in Vancouver and lastly although I understand it doesn't entitle us to anything is we both grew up and lived in Vancouver our whole lives so it was "home".

I see some coworkers spending close to and sometimes exceeding 3 hrs a day in total commute just because they have to drop off/pick up their kid to their grandparents in a different City then jet over to work and or their grandparents at an old age having to do the commute. I'm like no fucking way that's hours more I can spend with my kid every day and I would never want to have the grandparents commute that far to help us out.
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Old 01-05-2019, 02:51 PM   #13717
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No, we both work in Vancouver have a kid where both grandmas watch when we work and they both also live in Vancouver so any other City would make things that much more difficult. If we were to live let's say in Surrey as an example that would involve having our grandmas drive their asses through traffic daily to help us out or us spending an extra hour or more each way daily to drop off/pickup the kid. The majority of our friends also live in Vancouver and lastly although I understand it doesn't entitle us to anything is we both grew up and lived in Vancouver our whole lives so it was "home".

I see some coworkers spending close to and sometimes exceeding 3 hrs a day in total commute just because they have to drop off/pick up their kid to their grandparents in a different City then jet over to work and or their grandparents at an old age having to do the commute. I'm like no fucking way that's hours more I can spend with my kid every day and I would never want to have the grandparents commute that far to help us out.
You're really lucky, I wish the grandparents we're able to do that. My mother in law was in the last stages of cancer before passing when my son was born and I bet my parents have watched my kid 3 times since he was born, he's now 12 years old.

Daycare was our only option.
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Old 01-05-2019, 03:22 PM   #13718
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You're really lucky, I wish the grandparents we're able to do that. My mother in law was in the last stages of cancer before passing when my son was born and I bet my parents have watched my kid 3 times since he was born, he's now 12 years old.

Daycare was our only option.
May I ask were you parents too busy, not able to, not willing, or otherwise?

I'm very very thankful for the fact both grandmothers are healthy, willing, and able to watch my kid I can only imagine the added stress we'd have looking for a daycare of sorts, paying for it, and everything else that comes with that. Sure;y, if that was the case we would not have been able to afford the place we bought. We could have still bought in Vancouver but we would be in a small 2 bed room condo vs a fairly large (for Vancouver standards) brand new 3 bedroom townhome. With another kid on the way this year we're set with the 3rd room and just gotta figure out logistics with the kids when the time comes.
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Old 01-05-2019, 05:12 PM   #13719
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So did my first round of open houses for the new years, and it was dead. The realtor at each location kept following me around from room to room, it was kind of sad to see the desperation or immense effort? to complete a deal
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Old 01-05-2019, 05:40 PM   #13720
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May I ask were you parents too busy, not able to, not willing, or otherwise?

I'm very very thankful for the fact both grandmothers are healthy, willing, and able to watch my kid I can only imagine the added stress we'd have looking for a daycare of sorts, paying for it, and everything else that comes with that. Sure;y, if that was the case we would not have been able to afford the place we bought. We could have still bought in Vancouver but we would be in a small 2 bed room condo vs a fairly large (for Vancouver standards) brand new 3 bedroom townhome. With another kid on the way this year we're set with the 3rd room and just gotta figure out logistics with the kids when the time comes.
The first half of his life they both worked and weren't able during the day, they never really wanted to in the evening. About 6 years ago they moved to a different province, he's at the age now where he's fine at home before/after school and also in the evening as long as we're not out to late. We had him in daycare from 9 month until he was about 10 it was expensive but it wasn't all bad.
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Old 01-05-2019, 06:23 PM   #13721
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Aint bringing that property to the grave.
That's exactly who my mom is the type of person who would actually drag the detached home to her grave.
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Old 01-05-2019, 10:28 PM   #13722
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^ It's true that it isn't easy to save up for a down payment but it also doesn't help when a lot of the 18-30 year old's have to much of an ego/pride and must live in a 1900$ piece of shit condo. Suck it up and stay with mom and dad if you can. I've no shame admitting that I did it and was able to put down 20% on a place in only a few years. Fuck what people think. When you can bank 70% of your pay check it's amazing how fast you see your account rise. With me and the girlfriend together our mortgage is less than some of our friends rent.

Will I ever be able to purchase a detached home? I hope so... but for the time being owning something is better than paying off someone else's mortgage.
its interesting you say that. i wish i was able to stay at my parents but as my story goes, i was actually forced to move out in 2010 (we lived in low income housing but rent increased once they factored in my income from working F/t), find somewhere cheap to rent ($800/month), save up with my girlfriend on our first down payment on a townhouse (we pushed our wedding a year later as we thought a roof over our heads was more important than making traditional parents happy) and slowly move up the property ladder (eventually purchasing a detached home in Vancouver). The detached home was definitely bad shape but we felt it was worth it based on land value and dwindling supply of Vancouver space to build.

Not saying people shouldn't take handouts, heck I'd be in so much of a better situation if i had a head start. I've always envied friends who's parents had homes (not renting). It must be nice to take the basement suite or get help with the first down payment (parent's equity, savings, etc)

I'm not saying i wouldn't help my own children but knowing what i went through and the struggles along the way, a little bit of hardship goes a long way to learning.

at the end of day, i honestly believe if you were born here, you really have a equal stab at home ownership. i know its cliche but it really just takes small sacrifices and determination.
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Old 01-05-2019, 11:04 PM   #13723
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went to a couple of open houses for condos in coquitlam..good god...3 parties looking at a penthouse...another 3 parties looking at an 8th floor and there were still people flowing in from the lobby...and these things werent cheap either
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Old 01-06-2019, 12:02 AM   #13724
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went to a couple of open houses for condos in coquitlam..good god...3 parties looking at a penthouse...another 3 parties looking at an 8th floor and there were still people flowing in from the lobby...and these things werent cheap either
Still cheaper than a duplex or a house but a lot.
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Old 01-06-2019, 12:27 AM   #13725
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Still cheaper than a duplex or a house but a lot.
Not really..they were asking 1000/sq ft for the penthouse...you can get a brand new house for the same price they were asking located 10-15mins up in Burke mountain
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