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Grow with Nav
Canada
เข้าร่วมเมื่อ 10 พ.ค. 2022
I want to retire 1M immigrants with $5M
My story - www.growwithnav.com/nav-s-story
Subscribe if you are interested in:
#Realestate
#StockMarket
#Stocks
#crypto
#business
#moneymanagement
I am a licensed mortgage agent #M21004312 working with Dominion lending centres, Valko Financial #FSRA13047. I work with over 60 lenders including the top banks to provide an array of products that are suited to your needs.
I help First time home buyers & investors make smart realestate decisions based on numbers, not emotion.
Want to book a call👇(It's free 🥳)
www.growwithnav.com/book-a-call
My story - www.growwithnav.com/nav-s-story
Subscribe if you are interested in:
#Realestate
#StockMarket
#Stocks
#crypto
#business
#moneymanagement
I am a licensed mortgage agent #M21004312 working with Dominion lending centres, Valko Financial #FSRA13047. I work with over 60 lenders including the top banks to provide an array of products that are suited to your needs.
I help First time home buyers & investors make smart realestate decisions based on numbers, not emotion.
Want to book a call👇(It's free 🥳)
www.growwithnav.com/book-a-call
Largest decline in Canadian Realestate in 50 years 📉
Rule of 35 calculator & Rent vs buy calculator: www.growwithnav.com/money-tools
First time home buyer workshop: www.growwithnav.com/freeclass
I help First time home buyers & investors make smart realestate decisions based on numbers and not emotion. Want to book a call 👇 (It's free 🥳)
www.growwithnav.com/book-a-call
I am a licensed mortgage agent M21004312 working with Dominion lending centres, Valko Financial FSRA13047. I work with over 60 lenders including the top banks to provide an array of mortgage products that are suited to your needs. I can help you with your housing needs across all provinces in Canada (except Quebec).
Get up to $3,000 in cash to trade stocks or crypto commission-free! Use this code 91NX5W or the link below to sign up 🙌 my.wealthsimple.com/app/public/trade-referral-signup?code=91NX5W
MORE ABOUT ME 👇
My mission is to provide you with actionable content that enables you to build your wealthand live up to your potential. I came to Canada with my wife (Simran), during the pandemic in 2020, started with very little money, no job - to today, where I recently quit my job after building my side hustle to a cool 6-figures in revenue. I have met so many amazing people and mentors along the way, and I want to bring everything that I have learnt and continue to learn to you via this channel.
Subscribe if you are interested in:
#Realestate
#StockMarket
#Stocks
#crypto
#business
#moneymanagement
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, at NO additional cost to you, I may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact my opinion.
Canadian real estate decline, housing market crash, property value drop, economic downturn, mortgage crisis, interest rates, housing bubble burst, real estate market correction, home prices falling, recession, market volatility, investor confidence, supply and demand imbalance, real estate affordability, mortgage defaults, housing market trends, property market collapse, financial instability, real estate investment risks, housing crisis.
First time home buyer workshop: www.growwithnav.com/freeclass
I help First time home buyers & investors make smart realestate decisions based on numbers and not emotion. Want to book a call 👇 (It's free 🥳)
www.growwithnav.com/book-a-call
I am a licensed mortgage agent M21004312 working with Dominion lending centres, Valko Financial FSRA13047. I work with over 60 lenders including the top banks to provide an array of mortgage products that are suited to your needs. I can help you with your housing needs across all provinces in Canada (except Quebec).
Get up to $3,000 in cash to trade stocks or crypto commission-free! Use this code 91NX5W or the link below to sign up 🙌 my.wealthsimple.com/app/public/trade-referral-signup?code=91NX5W
MORE ABOUT ME 👇
My mission is to provide you with actionable content that enables you to build your wealthand live up to your potential. I came to Canada with my wife (Simran), during the pandemic in 2020, started with very little money, no job - to today, where I recently quit my job after building my side hustle to a cool 6-figures in revenue. I have met so many amazing people and mentors along the way, and I want to bring everything that I have learnt and continue to learn to you via this channel.
Subscribe if you are interested in:
#Realestate
#StockMarket
#Stocks
#crypto
#business
#moneymanagement
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, at NO additional cost to you, I may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact my opinion.
Canadian real estate decline, housing market crash, property value drop, economic downturn, mortgage crisis, interest rates, housing bubble burst, real estate market correction, home prices falling, recession, market volatility, investor confidence, supply and demand imbalance, real estate affordability, mortgage defaults, housing market trends, property market collapse, financial instability, real estate investment risks, housing crisis.
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I am a licensed Mortgage agent and my tram & I will help you buy your first home in Canada 🇨🇦 Want to book a call 👇 (It's free 🥳) www.growwithnav.com/book-a-call Join the free call for first time home buyers: www.growwithnav.com/freeclass Join the value deals whatsapp group: www.growwithnav.com/investorlist Credit cards: Scotia Momentum infinity Visa card: surl.li/nwuqtz American Express platin...
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I help First time home buyers & investors make smart realestate decisions based on numbers and not emotion. Want to book a call 👇 (It's free 🥳) www.growwithnav.com/book-a-call Link to Calculator: www.growwithnav.com/money-tools Rent vs Buy (Video): th-cam.com/video/hHfYJ7FUvxY/w-d-xo.html I am a licensed mortgage agent M21004312 working with Dominion lending centres, Valko Financial FSRA13047. ...
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Please speak little slow in videos. It might increase no of views but one loses understanding then interest to watch more. pls take it positively, I don't mean it otherwise.
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Great work
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Portfolio Keep up the great work Navjot 👍
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Thank you for this important information as we were planning to buy a investment property.
sadly, you are not a Canadian. you are an Indian living in Canada. if you were a Canadian, you would not wear that thing on your head
Sadly, you aren’t a Canadian either. Because if you were, you would not forget our human rights of freedom of conscience and religion.
@@growwithnav Yeah, the freedom!!!! you left a country oppressing its people, poor like no where and you come here, to Canada in my country to live exactly like in the country you left. Lose your scarf on your head, play hockey, eat maple sirop, speak English and French and then be a real Canadian
This clearly proves that a lot of people got approved using fake mortgage documents.
What about depreciation of money value ?
Exactly why you need to be mortgage / rent free on retirement.
Guys, Canada is a country you should not settle in only if you have a household income of 4x of a decent home which you feel is right for your family size. It’s almost impossible for many who prefers to have one spouse take care of the children to settle in this country. The school system sucks for your children here if you purchase a house in the wrong locality (usually cheaper once which you can afford). You might be better off financially back in India if you have a family home there. For those who are hoping housing prices will crash after the housing bubble pops, trust me it won’t realistically happen as Canada intentionally limits housing supply to keep demand high and prices up. Further it can happen only when 25% of the population are loosing jobs and there is an economic depression where you’ll likely lose your job or you’ll be afraid to buy one. Even if you can afford that time, you won’t as you’ll expect housing prices to fall further and would have heard experiences from friends who lost their investment. Only REITs will buy during that time and you’ll still be without a house and likely missed the boat. The truth no one admits is there are very less supply of jobs in Canada that pays above 100K and let me remind you both people in the house should be earning above this as of the current scenario even though there are more now than 5 years back, 80% of the country does not earn this much. Take the citizenship and go back to India or go to the US to a tier 2 city where you can still afford a house and get better paying job. Canada’s 2nd tier cities do not have high paying jobs that might be relevant to your field. Eg. If you design computer chips and processors and are paid 80K here you’ll not get that kind of a job in Manitoba where housing is slightly more affordable.
One correction: pessimistic scenario should be increase by target inflation - which is 2% instead of 4%
All I am trying to do is live mortgage / rent free on retirement :)
Keep up the great work Navjot 👍
Based on this calculation, your down payment, principal and interest payments will cost you 1.43 million over 25 years. This does not even include any maintenance or upgrades that one is liable for. So good news is, you might be able to merely break even, if you don't factor in inflation. If Inflation is considered, then you're underwater and spent 25 years buying your own coffin
You are right 🙌 Will you be living for free if you don’t buy? I would love to hear your calculation on the rent payments from now until when I am 80.
@@growwithnav I love the gotcha. In this video, all you have talked about is how buying a property at an average 4% interest rate which is appreciating at the same rate (4%), while ignoring inflation and almost 50% overhead expenses on top of inflation, is a great investment. So give or take 6000 per month. I would like to know if you can churn out why renting for 3000 per month while investing the change in S & P 500 is an inferior option. Just saying rent increases every year is not a great argument.
My last 2 video were on that.
Bro, what about someone who started in 1990?
They are very very rich today :) mortgage free living in primary locations with houses worth $1M+
If there is no immigration.....no temporary population...no rent ......no mortgage payment....😂
BMO cashback gives 5% on grocery ( incl wallmart) and 3% cashback of fuel. Plus free road side assistance and 5Mn CAD travel insurance. BMO visa eclipse is much better option than both cashback cards just fyi
I am here for more than 5 years now, never ever defaulted on credit card payments, always paid full before the due date, never took car loan, no loans, no phone contracts...still I don't know why it's standing at 730 😒😒😒 I do have 4-5 credit cards - 15k limit each which I hardly use - monthly credit card expenses are not even 500$. I do have line of credit too - of 40k.... but I don't know why my credit score is always always low
It really doesn’t matter :) you are doing all the right things. But if you really want to know the reasons, it’s probably the lack of different kinds of credit that’s pulling it down. Like car payment, mortgage etc.. but like I said… it really doesn’t matter as long as it’s over 700
So maximum profit in 10 years is 7 % will you show how much interest value person has to pay to bank. Will you also show interest rate change from 1975. You should provide complete perpective.
I am talking about a primary home and living a rent/mortgage retirement. And max profit isn’t 7% You make a 10% down on a home - that’s $100,000; and YoY growth is on overall value of the home. But it doesn’t matter; the video is about living mortgage / rent free retirement.
@@growwithnav ok so interest is not part of mortgage. How many retired 30 years plan and how many have Job Security for that long. It should not be grow with nav it's other way around but don't you will get reviews and fools also.
Do you have an idea or can you make a video on the effects of de-dollarization on Canada and the decline of $ value?
Sure, will be making one soon
Real estate giving way better returns in India. So buying for investment in Canada makes no sense
100%; will you retire in India?
Brother seems like your calculations are wrong what is the equivalent 800000 money after 25 years average even with 2-3 % inflation I don’t see yielding lot of money after selling the house after 25 years
Like I said, primary home is not an investment - you buy it so that you like mortgage / rent free retirement .
@@growwithnav I mean to say you haven’t added indexation and you haven’t added the interest rate in the mortgage you take which comes to around 1.8 million so it is fine to buy a home not the only way to buy a home. Even if you do recurring deposit on and Indian bank you will end up more on just the bank interest rate
American Express Simply Cash Preferred is a good one too. Monthly/annual fee is pretty much the same. 4% on groceries and gas. But like you said walmart is not considered "grocery" by Amex either so it's 2% there. Also not accepted at costco and loblaws/superstore, but it is what it is. :/
Do unemployment # include non permanent residence? Especially if their % / population is higher compare to any other time?
Includes work permit holders.
Hello Nav the Scammer going by the legacy of scamming
Hi Nav , what do you think about dechated homes , -how far market may go down ? - is it worth to buy a dechated home worth around 5m now ? -What can be the average pessimistic increase/ decrease value per year in coming 5 years term for dechated homes? Thank you
I wish there was anyone who could predict these things. Market is way more complicated. You have to be ready to buy a home and keep it for 5+ years.
Sardar g tusi smart o
Housing market is crashing in a slow motion,lot of people are losing their jobs and inflation is crazy
Yeah it is crazy :/
Hi Nav, love your videos always!! How is London Ontario a place for FTHBs as the prices seem to be fair comparison to GTA or KWC area..
It’s good if you see yourself living there for 5 years or so. It’s far from downtown / GTA and even Kitchener. KWC prices are very desirable right now.
Fundamentals don't agree, period! Unless the market resets! So, in this period of time where Fundamentals are not inline it will take double the time, if not more to reach the stats you suggest! Never in history we have been so far from Affordability, just look at what happened to Japan! You would be buying at the top of a super bubble hoping they will continue to mimic the past historic value increases in a country that is not growing and is projected GDP to be dead last in 30 countries! Markets dont always follow past trends, there special circumstances that change that! Good luck!
Everyone knows that a world wide Depression is coming,🥱
It seems you are a realtor or mortgage agent. That's why you just focused on the bright side of buying now and not discussed the dark side.