The first step to buying a HOUSE in Canada - A Credit Card! ✅
ฝัง
- เผยแพร่เมื่อ 2 ต.ค. 2024
- Buying a house is the most important and expensive decision that you are going to take in Canada - however, it is really important that we prepare for it from Day 1 - which is when we get a credit card.
In this video, we will talk about the 5 rules that you need to follow in order to improve your credit score from day 1. We will also talk about what makes a credit score and what can we do to improve it in a very short time.
Disclaimer: These videos are our personal views and opinion, they should NOT be considered as legal advice. We are not affiliated with any government organization or division. We assume no liability for how the information on this channel is used or interpreted and hence take no responsibility for any decisions that is made with regards to your application based on the information shared on this channel.
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I am a mortgage underwriter and points shared makes sense.
If you find the videos beneficial, please do watch ads completely. I respect them alot, but need to save money. So, I watch one ad atleast completely :) Best channel EVER! You made my friend consider using credit card, who is strictly a believer in no spending anything on loan, just spend from your current savings/money which you have. :) Kudos!
A very engaging and fun way to talk about such a critical component of anybody's future success in Canada. Keep up the good work pal!
Thanks 😀👍
I know that your main audiences are Indians but do you mind just speaking English so that we can all understand? I'm so sorry I dont want to be rude You keep switching and I sometimes get distracted. And anyway, if somebody's English is not good enough to come to Canada , why would they need to watch these amazing videos?
Thank so much. You are amazing
That was damn interesting, and so clearly explained.
V good knowledge.. that know one ever has given.
Will keep it in mind as planning to move to Canada.
Keep discussing this type of topics rather than groceries bill.
Aashish Mehta.
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Thanx buddy i almost follow each and every Canadian vlogger. However, not a single vlogger has made any video on credit history. Keep up the good work thanx for sharing your knowledge .
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Very Informative and Awesome Collaboration 🤘🏻
This video was not at all boring. Infact, it was quite interesting with a lot of new information. 👍👍👍
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Very informative post.
Well researched and very beautifully presented. Keep up the good work👍
Thanks 😀🤗
It's a very knowledgeable and relevant video Najvot aka Shanky....
Brilliantly presented...
I've shared it to many of my friends...
Enjoy
Rab Raakha...
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I laughed so hard when Navjot from the Past said," Mera Bhi Byeeeeee....." :D
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Thanks for the awareness. Please make a recent video on this based on your experience and knowledge.
Excellent video
I would really recommend you to make a collaboration with The Travelling Desi... He is also in Canada right now
TD Vlogs - th-cam.com/channels/hoyAdkZQVa4V7AbZshiLDg.html
Hey, He is my inspiration. Will love to do a collab with him :) let's see.
Thanks for info
Thank you so much for this amazing information
Hey pa ji! Sasriakaal from Hong Kong! Thank you for your videos! :)
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Excellent information
Love your video content
No need of any guest.. you guys are enough..always I feel eager to listen to you and watch your contents.. creativity 👌 started spending more time here than on Instagram 😜
Koi boring nai h bhot achi video thi sahi mein :))) very helpful for big spenders like me 🥴🤣
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You are the best.
Thanks for making videos even in these time. Your information are really very good.
#fan you both rock together.
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Bhai really special guest SE mil ke Maza aa gaya
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Still waiting for the “Special Guest “....Good way to hold the attention of the audience...Lol...
His past guy was the special guest
Haha... correct, Navjot from the past was the guest ;)
Paji tusi great ho
I like this couple a lot
Thanks for simplifying it, and love the flashback Navjot.
I had one question. In one of ur video u had mentioned to not take the bankers cheque and u did a wire transfer to Scotia bank which helps increase your credit score.. Can you please elaborate how that really works?
Thanks Mate
yes, even i want to know that.
Hey, naa... that's not true for Canada.
now I know that :) I mixed it up with Hong Kong's credit bureau where I have lived for 4 years thinking that credit cards work the same everywhere:)
@@Potatotalkies Ohh OK. Thanks for letting us know that. So in that case I will proceed with the bankers cheque.
Have a nice day ahead mate..
@@Potatotalkies Now I understood, thank you for clarifying.
Nice
Well done 👍 missed simron
What a guest bro...😂
Wish u best of luck for ur new life bro✌️👍
😀
Navjot job well done at explaining all these points. Specially it makes sense for people from India and other countries where credit cards have not yet taken off that well and the penetration and credit infrastructure is still not that developed.
However, I would say the advice to make any expenses (after 30% limit is reached) using debit card or cash can be avoided, just that the credit used should not cross 30% at any time (though I know that you did say that). If one can anticipate more than 30% credit usage then just pay off the already used credit limit.
Rest of it great content
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I'm From Kerala and I just subscribed now :) you guys are awesome :)
Stopped the video in the middle and went to pay my credit card bill😂😂😂
Very well explained. I’m sure about that after watching this video Simran will have a better understanding of the topic 😊
Nice info👍🏻 good work.. have you applied for the driving license?
Not yet. They are closed.
Quite informative! Very useful for new immigrants. Liked the dual presentation of Navjot sir in a very interesting way!
Thank you ... tried something different 😀
Navjot, you have the enormous talent of making videos.🇨🇦
Thank you 😀
Hi, I'm new subscriber and I missed your live q&a session
Awaiting soon and please let us know where we can find second hand things for house setup
Value village is great... furniture bank too.
Hello , Need to know if my Wife Maternal Uncle can sponsor us for Canada , they reside in Toronto , our CRS score is 428 without sibling sponsorship , thanks
Nope... he won't be able to get you any points.
@@Potatotalkies Thanks!!
Is the credit same for all countries? As you credit was ruined in India, did it carry to Canada?
No.. start afresh in canada
@@Potatotalkies thank you so much for this reply. This puts my mind at ease as my wife made mistakes.
Btw I love your channel and videos
Indeed Mrs.Navjot miss this topic.
It is most important for every expatriates
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plz make a video on process of buying house on cash.....without loan...as muslims arent allowed to pay interest.... plz share the possibilities....
Hmmm... will try!
Not sure what you need to know thos would be a simple transaction since you wont be getting a mortgage so no need to deal with any bank just lawyers to process documents and register land title to new owner. Simple.
Bhai,hatts off to your video. We get plenty of information from this.
Pls tell me what are the other factors to buy a first house @4.5 to 5 Lacs Dollars in Can. Consider I have enough @20K down payment is available from the first day of landing.
wow, such useful information. thank you.
I am not sure but i have heard, that our credit score gets a hit as many times we check it..
That's a myth. What we check is a soft enquiry which doesn't impact our credit score
Very informative.. thank you for putting this together!
Interesting and important.. we appreciate your hard work and good wishes to you
Hi Can you enable English captions for all of your videos ♥️
I wish it was that easy :(
Captions need to be made, which takes a couple of hours per video
Really crucial video! It's so easy to get into debt on a credit card! But if you use it responsibly it helps you have good credit.
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Thank you very much, that was very informative and crucial on details 👍👍
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Hehe I like that special guest appearance. 🤣🤣🤣
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Very nice video good information mentioned I like it very much and very important for newcomers and students and immigrants very great job done thank you very much for your time and hardworking.
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Hey Navjot, flashback was super cool!! Simran, you too should have been there in flashback scolding him for not using cards prudently 😁. Jokes apart, it was interesting topic you touched upon Nav and of corruption a must to be aware of!!!
Hahahah
This rule is somewhat applicable in India too..
Kya Canada mai personal Dr Clinic nahi hote
Please reply
Walk in hote hain.
@@Potatotalkies Matlab?
bundle of thanks sir for this kind of information
Hello Navjot, please reply to my query on instagram
Precise and to the point information.
lot of Good advice just in 11 min.
I like you initiative to provide information in less time(not increasing the time of video unnecessarily)
Missing Simran Bhabhi ji in this Vlog As she always make us laugh during the video.
Take Care of yourself Stay Safe Stay Home!
Thank you 😀
I know, she is the funny one 😀
Plzzz make a detailed video on the Quebec immigration system for those who are in canada & for those who are outside canada
It requires a job offer or french! So, I dont see a lot of demand for it from india.
very good information. thanks sir
Hi Navjot, thanks for the advice. Should the same principle of buying a car on a loan apply to buying a house?
You jinxed your video, for me Video Starts and after you say "Is Baar to mujhe koyi Nahi rok Sakta" it gets stuck for buffering 😀
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Hi it’s humaira a PhD scholar in Malaysia but from Pakistan..I really don’t know how to proceed in for PR in Canada...I will be great full if you help me to be in process...I watch all your videos but all about expenses..how to be there I really want to know
Hey, do follow www.potatotalkies.com
Very informative..thanks
There is one thing you are missing
The credit score we check in scotia Bank that is made by Trans Union Credit Score....
Actually that's not real credit score we can get an idea though plus this credit score is only centred or limited to your scotia bank. Means if u take credit card from Canadian tire and miss the payments that will not effect your Trans Union credit score.
But in real it will impact real credit score
Thanks for the constructive input.. I agree, this is only indicative 👍
Does the Indian credit score and history be counted in Canada?
Is it possible to have bad credit history in India and make a strong 750+ credit score in Canada?
Guys you are doing great.. stay blessed n keep it up...
Well 1 thing i didnt get clearly.. as you mentioned at the time of arrival, your credit score was around 618. Right.. was that score affected/considered your credit history back in India or it was kind of minimum score assigned to you right after opening your bank n getting credit card. ??
I know linking it with India doesnt make sense however as i said i made me a bit confused to could you please make it clear to me..
Hello...your videos are very clear and informative. I have a query. What if someones has enough money to pay for like 20% down for a house in canada within a short time of arrival from their previous savings. Can they get a house right away?
Sure… but the rate of interest may not be the best as your credit score will be on a low end. Do check with a mortgage broker about your options
Very informative and simply explained 👍🏻👍🏻
Thank you :)
I am very impressed by the way you explain things in detail. I have credit score of 860 still I watched your video till end to know if you have any different theory. You guys rock🤟
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I bought cvv from dumpsmasterlord on telegram,best vendor I know and trustworthy, he sells 💳 credit cards,cash app,drops and dumps all all kinds of works
Dear team please can you guide me my age 48 should I move to Canada along with my wife and one son to Canada if yes will I get job at this age I am sales manager in electronics industry please humble request suggest
Very difficult to get a PR at 48
Can plz guide regarding the study gap for student visa plz
Sorry, very little knowledge about study visa.
Planning to come to Canada, but cant make up my mind as m in my 32yrs of age. Plz share ur experience and advise about the same. Thanks and keep posting awesome content about Canada and your experiences
Age doesn't matter. We are talking about a lifestyle change which will impact the next 40 years - not just for you but your family too. Btw, I am also 32 - so get what you are saying.
@@Potatotalkies thanks a ton. Means a lot when someone understands what someone is feeling exactly. B safe and thanks again
Read rich dad and poor dad by Robert Kiyosaki.
Yes, I love it
Very informative,Thank you
Hi Navjot....I have recently joined your channel....really like the way you guys share information.
Please confirm here in Canada the credit score you get when you get the credit card....has
anything to do with Indian credit history?
Hello, Indian credit score ki value hai y Canada bank start new
Nahi hai...
I think Simran was fight
You guys are doing best work...tysm for guidance
Thank you 🤩🤩
If someone has taken loan outside Canada and paid half of the amount and lost job and then couldn't pay the loan. The bank filed a case and that person had to pay fine but still has to pay off the remaining amount . will they check his credit history ? Will it affect on his PR application?
Your indian credit history doesn't matter in canada as long as you don't have a criminal / fraud strike in india against you.
Very informative bro.....as soon as I land in canada, can I open an account and get a credit card without a job and salary statement,?
Yes you can
Thanks for prompt reply 👍
Great Video - I think it will help all new comers a great deal...
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Very informative video. First of this kind and you nailed it.
Thanks :)
Very informative ...... love your videos .....cheers
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i have $1000 credit card limit so how much i should spent monthly just $330?
Yes.. you can spend more but pay off as soon as you use the CC… even if you have to pay the CC bill 2-3 times a month.
an informative video for all....thanks bro👍
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I don't have credit card in India so if I get a credit card after landing in Canada, my Credit score will start from that time correct?
yes
मेरे बैंक अकाउंट के 6 महीने का स्टेटमेंट में 4 महीने तक एवरेज बैलेंस ₹100000 महीना है और आखरी के 2 महीने मेरा बैलेंस 1500000 रुपए महीना है क्या मेरा बैंक बैलेंस ठीक है या मुझे कुछ और करना चाहिए 2 महीने पुरानी एफडी अलाउ है क्या
Pls hmari proof of funds video check krro
I think Simran was right 😉
Very helpful information
Hi Brother
This is kranthikumar
Pls clear my dought..?
After immigrate to Canada and new Account is opening that time to start my Canadian new score or Continue to my Indian cibil score?
New account. You start fresh here.
Thanq Soo..much Brother
Fantastic bro 👍
very nice and interesting video.. Thanks!
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It's really helpful 👌👍 god bless
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does credit score of indian credit rating agencies applies in canadian loans.
No
I sent msg on instagram..pls reply on instagram
Will respond within 48 hours.
Good research results in a good video. Keep it up 👌
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Are Credit bureau for Canada and India are same? Is my credit score in India will also valid in Canada
no