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Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.

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Old 03-07-2020, 06:42 PM   #15351
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Not sure if I can post listing here
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Old 03-07-2020, 07:25 PM   #15352
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Quote:
Originally Posted by cdizzle View Post
Wife was interested so we took a look at this place. It's still under construction; there are three showrooms to preview (which will eventually be sold).

While the layout is subjective, the build quality was not impressive. Tiles visibly not aligned, wall angled out on one end..
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I've driven by this multiple times and it looks okay from the outside.

What really sketched me out one day was during construction, one of the signal/traffic control women was straight up a meth user.

Although the neighbourhood has significantly diversified over the years, the idea that there are no gates/walls is a bit concerning for theft.
Looks like they hired from the same group of people.
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Old 03-08-2020, 03:26 PM   #15353
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I'm using a broker....he's pushing the scotia 2.89 rate with the HELOC and lumping my truck in
Just met with Prem Services yesterday at HSBC and friend is staff so they see all the rates. Even employee rate isn't as low as the promo on now.

2.49% 5 year fixed is the promo now. HSBC is notoriously harder to qualify out of the big banks but get the best rates.
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Old 03-08-2020, 03:32 PM   #15354
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BoC and rest of world cutting rates should only mean more funds to yielding real estate (rentals), properties in general, and yes, even presales.

Was away last week in Toronto - saw a few new presales. BC has it good for quality and lower amenity fees. $0.60-0.75/ft are not outrageous there.

600ft per month would be paying as high as $400+ in strata fees and $600+ in 2BR cases. insane.

Toronto is colder/denser, and quality is even worse. There's a joke there in industry: decent condo is one where the walls at least are straight. Not very high bars...

If you think BC markets are overheated, friends say in Toronto lately if you got a presales spot/unit, you'd essentially made 10-20% immediately (on paper). Yeah... we've seen that before :/
https://www.theglobeandmail.com/inve...for-mortgages/
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Old 03-08-2020, 07:14 PM   #15355
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So we just sold our place in February, before the housing started heating up again. We're looking at a new place and it seems like prices are up and hovering around 2018s assessed value. The economy seems a little uncertain with coronavirus and the fluctuations with the stock market. Should I wait for the market to cool down again (if it does)? What would you guys do?
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Old 03-08-2020, 11:19 PM   #15356
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If it's your primary residence, find the best place you can afford. If you can afford to wait, go for it but know there are no guarantees in this market. It also depends how long you plan to live there for.

We sold, rented for 9 months, then bought. The main factor was to have better buying power, not having a subject to sale, on our offer. We wanted to move to a better neighborhood.
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Old 03-09-2020, 12:35 AM   #15357
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You're playing with fire if you try to time the market.
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Old 03-09-2020, 07:37 AM   #15358
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^ this, and I agree with the couple of replies above as well...

It really depends on

- If this is your primary residence
- How long you are planning to stay there

Me and my wife bought in pretty high? (not at the highest thank god), but it didnt really matter to us as much, we wanted to get into the correct neighborhood for my kids' school.

We bought the best place we could afford within the Burnaby Buckingham area, my daughter was 4 yrs old at the time, now she's grade 2, and my son is starting kindergarten this coming September (finally only one location drop off/pick up for both kids hahaha).

Yea, since it is our only residence, it honestly doesn't matter if the value goes up or down, its not like we are gonna move anytime soon anyways. I told my wife, that when the time comes (like once my son grads HS, so in 13 years), our value will only go up, so yea...

Best of luck OP!
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Old 03-09-2020, 10:47 AM   #15359
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^^^ Same here.

The next move will be to an acreage, with a long driveway, 2k sqft craftsman with a wrap-around veranda and a big-ass red barn, for my toys. That's the dream, anyways.
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Old 03-09-2020, 12:10 PM   #15360
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Just met with Prem Services yesterday at HSBC and friend is staff so they see all the rates. Even employee rate isn't as low as the promo on now.

2.49% 5 year fixed is the promo now. HSBC is notoriously harder to qualify out of the big banks but get the best rates.
MCAP who I'm with now, mailed me an offer for 2.59% so i called and left a message with the person on the letter. Just got off the phone with her now and she's dropped it to 2.49%

Waiting to talk to someone in their other department about a prodcut that allows for a HELOC
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Old 03-09-2020, 06:52 PM   #15361
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Just got a condo, woooo. It's 12 years old now, the strata fee is a little on the higher side almost 400 (1000 square feet) includes gas, hot water, management.

Now that the deal is finalized...I'm starting to think about the strata fees...it went up like 60 bucks from last year to this. How much can they possibly keep going up? I mean, there has to be a point where people can no longer afford it.
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Old 03-09-2020, 07:13 PM   #15362
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That's one reason I'm kinda shying away from condos at the moment. I've personally been seeing 10% increases year over year for strata fees with no extra services being provided. + The thing where stratas wanting sky high insurance deductibles that you can't even buy coverage for. so I'm really not sure what's gonna happen with that. You're at least paying $350 for a 600sq for maintenance
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Old 03-09-2020, 08:31 PM   #15363
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$0.40 a sq/f is pretty average.
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Old 03-09-2020, 08:46 PM   #15364
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Congratulations on your purchase. Im just curious though... what kind of amenities do you have? it just seemed a little high for a 12 year old condo..

Also, Our strata fees went up by 50% starting this year..

Quote:
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Just got a condo, woooo. It's 12 years old now, the strata fee is a little on the higher side almost 400 (1000 square feet) includes gas, hot water, management. .
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Old 03-09-2020, 10:08 PM   #15365
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Congratulations on your purchase. Im just curious though... what kind of amenities do you have? it just seemed a little high for a 12 year old condo..

Also, Our strata fees went up by 50% starting this year..
You must be in a new build...
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Old 03-09-2020, 11:22 PM   #15366
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Now that the deal is finalized...I'm starting to think about the strata fees...it went up like 60 bucks from last year to this. How much can they possibly keep going up? I mean, there has to be a point where people can no longer afford it.
Given how much of an insurance premium hike strata property insurance has been, a $60 increase doesn't seem out of line...

Congrats on the purchase though.
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Old 03-10-2020, 07:17 AM   #15367
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Congratulations on your purchase. Im just curious though... what kind of amenities do you have? it just seemed a little high for a 12 year old condo..

Also, Our strata fees went up by 50% starting this year..
Gas, hot water, maintenance. NG fireplace which is really nice.

From the minutes, it seems they do a lot of maintenance from the fees without the need for big special assessments.
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Old 03-11-2020, 09:31 AM   #15368
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$.40 per square foot is totally normal strata fee. When you get into the $0.50 and $0.60 range, then you have reason to be concerned.
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Old 03-11-2020, 03:16 PM   #15369
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Gas, hot water, maintenance. NG fireplace which is really nice.

From the minutes, it seems they do a lot of maintenance from the fees without the need for big special assessments.
When are you converting your car to natural gas?
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Old 03-11-2020, 03:23 PM   #15370
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When are you converting your car to natural gas?
First, he has to make some kind of complicated system that takes heat from his fireplace and sends it to his bedroom at night.
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Old 03-11-2020, 04:04 PM   #15371
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First, he has to make some kind of complicated system that takes heat from his fireplace and sends it to his bedroom at night.
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Old 03-11-2020, 04:04 PM   #15372
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First, he has to make some kind of complicated system that takes heat from his fireplace and sends it to his bedroom at night.
this made me LOL. I wish i could thank this a thousand times, ahhahahaha.
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Old 03-11-2020, 08:48 PM   #15373
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I have a couple investment condos that I might put up for sale. Seems like a good time to sell, market is hot and rates are down. With so much going on with the virus and markets I think it's a good time to hoard cash and take the wait and invest approach.
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Old 03-12-2020, 11:11 AM   #15374
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Do you guys think the stock market will affect the real estate market?

Most people have their downpayment out of the market since the holding period is so short, so it shouldn't affect it as much?
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Old 03-12-2020, 11:57 AM   #15375
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The virus and its economic fallout are going to bankrupt and financially cripple millions of people.

Yes it will affect the real estate market.
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