The problem is not just realtors or mortgage advisor. It is individual morality. If only as individuals,we start taking responsibility. ਜਿਸਦਾ ਜਿੱਥੇ ਸੂਤ ਲੱਗਦਾ ਉਹ ਲਾਈ ਜਾਂਦਾ।
Shameel Ji is very honest person and he is genuinely concerned about the Community overall. Hopefully people will listen to these wise people and stop falling in the trap of these realtors and mortgages brokers.
@@Dhermender-zo9xlBasement vi 2-3k, ch chadu fer nit da siapa, no privacy, kadey tenant jananibazi Karan gae Rola paun gae fer mental peace vi kandi a😅
Mr kalsi well said that mortgage broker and realtor lobby is mafia . Only solution to this problem is connect banks with revenue Canada directly so that income is checked properly . Shmeel ji well said that our society is selfish
Whatever we all discuss nothing much is going to happens to bring affordability. Many parliamentarians themselves r investors. No more words to say it further.
Regulatory need to stop corrupt people? What if regulatory is corrupt? Nexus of Politicians, builders, mortgage agents have vested interest and will not correct it..
Meri street ch 4 ghar 6 months ch vike aa Etobicoke ch, sarey ghar same size same condition ch c 1st= 1.1mn, 2nd= 998k, 3rd= 950k, 4th= 900k 4th ghar 3 din pehla vikia, 2 hir ghar sale lai tyar ho rahe aa😅 aina mada haal ho gia lokan da, especially angrejan da jo basement rent te nahi dinde
This is all ball game buyers and sellers need to understand. Most important thing is peace in your life I learnt hard way but now we all good Please do not get stuck in situation Only buy what ever your income really is
Home design sahi karney chahide a, kahhiaster bedroom aine wade a ke 3 double bedroom ch aa jaan, fer sara tuber masterbedroom ch wad ke baki ghar kiraye te de dinda, Sarey bedroom same size de hone chahide a 10 by 14 ya 11by 15 da hona chihida. Canada ch ya ta kamra bahut hi chota mil janda ya bahut hi wada, ah galat aa
Thanks Mr. Shameel and Mr. Kalsi for very thoughtful and well considered views.In India we get the rebate in the income tax for the amount we pay as mortgage interest.
FJT ne ghar nu mandi bana ditta…. banda ghar lainda si rehan layi… hun lainda ya tan darr ke ya investment banaun layi….FJT di estate confiscate karke CMHC di default back up ch use karo…
10 years or so ago, Canada was rich country, People could afford big homes, but it is not rich country anymore because of poor Justin/Jagmeet government policies, so now to solve this housing crisis, they need to start building small homes because poor country people can only afford small homes. they should build duplexes or row homes connected to each other rather than single family homes.
17:34 sau anne sach. dekho bhaji, Canada da biggest sector real estate a, eh kide ve is sector nu fix nahi karn gay, too much at stake,we all know that - no matter what party comes, this problem will never be fixed. Now, outside of GTA(Hamilton, Burlington to Oshawa) lower mainland bc and Calgary, homes are still affordable but only problem is job vacancies in those areas, wait 5 years Edmonton will also be unaffordable thanks to our community 😂 nothing we can do just work like a dog and pay bills just to survive.
‘Andher nagri chaupat raja, take ser bhaji take ser khaja ‘ Main LinkedIn te Finance Canada nu lahnat payi is announcement te…. JT gets kick backs from real estate prices going up… nahi tan eh bakwas rule banaun da koi matlab nhi si…
Uncle ji kush zeada hi seane ban de han purane bandyea nu rehire krn di gal karke , eh v daso v racism hor increase hou , so tusi keh rahe ho k tohade kol har cheez di expertise hai .
What you think all the Punjabi boys making donuts are not nuts . They are easy targets for real estate predators . Mr kalsi may have some business ethics but very rare left in the market .
Financial damage is one part, stress,depression, divorce rate go up, Are byproduct of these...Gov. running a business n doesn't give a damn about society..All new policies or measures they serving to stimulate the market , cuz more transactions means more tax money for politicians...
What is affordable ? Can they define in Fig. terms ? If you can not measure it, you can not manage it (Is old saying)? They are not defining it ...only blabbering
Tussi problems de ki solution hone chahide ,us te Vi kujh roshni paya karo,,,sirf policy nu negate karna enough nahi ,! You should put suggestions to govt 😂
ਦੁਨੀਆਂ 'ਚ ਲੋਕਾਂ ਨੂੰ ਸੌ ਤਰਾਂ ਦੀਆਂ ਮੁਸੀਬਤਾਂ ਹਨ , ਪਰ ਪੂਰੀ ਦੁਨੀਆਂ 'ਚ ਬਹੁਗਿਣਤੀ ਪੰਜਾਬੀ ਬੇ-ਵਜ੍ਹਾ ਬੇਚੈਨ ਹਨ , 'ਸਾਡੀ ਆਤਮਾ ਮਰ ਗਈ 'ਤੇ ਸਰੀਰ ਭਟਕਦੇ ਫਿਰਦੇ ਹਨ । ਜਦੋਂ ਕਿ ਗੁਰਬਾਣੀ ਨੇ 'ਸਾਨੂੰ ਸਬਰ ਸੰਤੋਖ ਦਾ ਉਪਦੇਸ਼ ਦਿੱਤਾ ਹੈ ।
The problem is not just realtors or mortgage advisor. It is individual morality. If only as individuals,we start taking responsibility. ਜਿਸਦਾ ਜਿੱਥੇ ਸੂਤ ਲੱਗਦਾ ਉਹ ਲਾਈ ਜਾਂਦਾ।
Shamil ji and mr kalsi both are very intelligent.God bless them.Love from Newzealand
Very true information, Mr. Kelsey is a great person
Shameel Ji is very honest person and he is genuinely concerned about the Community overall. Hopefully people will listen to these wise people and stop falling in the trap of these realtors and mortgages brokers.
ਟਰੱਕ ਡਰਾਈਵਰਾਂ ਦੇ ਕੋਲ ਤਾਂ ਕੰਮ ਹੀ ਨਹੀਂ ਹੈਗਾ ਹੁਣ ਤਾਂ ਇਨਕਮ ਵੀ ਬਹੁਤ ਘੱਟ ਗਈ ਆ ਹੁਣ ਉਹ ਟਾਈਮ ਗਿਆ ਹੁਣ ਤਾਂ ਲੋਕਾਂ ਦੇ ਕੋਲੋਂ 4 ਲੱਖ ਦਾ ਘਰ ਵੀ ਬਹੁਤ ਮੁਸ਼ਕਿਲ ਨਾਲ ਲੈ ਹੋਣਗੇ।
Basement rent only helping home owners
@@Dhermender-zo9xlBasement vi 2-3k, ch chadu fer nit da siapa, no privacy, kadey tenant jananibazi Karan gae Rola paun gae fer mental peace vi kandi a😅
@@gigachad_6862bikul sahi basement bare tuhade vichaar😂
Shamil ji, its always so great to see you bringing the topics which are affecting the society so adversely and bringing awareness amongst the society
Mr kalsi well said that mortgage broker and realtor lobby is mafia .
Only solution to this problem is connect banks with revenue Canada directly so that income is checked properly . Shmeel ji well said that our society is selfish
Guys keep doing the good work.
Whatever we all discuss nothing much is going to happens to bring affordability. Many parliamentarians themselves r investors. No more words to say it further.
ਜਿੰਨੇ ਘਰ leleya samjloo unar
ਉਮਰ kaid hogi bina ਅਪਰਾਧ ਕੀਤੇ
😂😂😂😂
Nope ,.. u build equity … rent is not the best option in high value real estate like canada … ;)
😂sahi keha
@gagzd92 equity is another word of Loan. ਫੇਰ Equity ਨੂੰ ਕੀ ਕਰੋਂਗੇ???
Khasi ho gye 😅😂😢
Tension naal toti
Garam ni honi
Regulatory need to stop corrupt people? What if regulatory is corrupt? Nexus of Politicians, builders, mortgage agents have vested interest and will not correct it..
Excellent show eye opener
you guys get out of Toronto and take a deep breath and see rest of the Canada is so beautiful and affordable still.
Even If ppl start listening the financial sessions of 88.9 FM and take it seriously... your half of the financial problems would be gone!!
Fabulous Topic please bring in Canadian relevant topic Canada first keep it up love your show.
Very informative program, kalsi ji and shami Ji are doing very good job👍👍🙏🙏
Meri street ch 4 ghar 6 months ch vike aa Etobicoke ch, sarey ghar same size same condition ch c
1st= 1.1mn, 2nd= 998k,
3rd= 950k, 4th= 900k
4th ghar 3 din pehla vikia, 2 hir ghar sale lai tyar ho rahe aa😅 aina mada haal ho gia lokan da, especially angrejan da jo basement rent te nahi dinde
Same problem in USA and Canada and all western countries
True.
Fake lives
Mortgages
Debt
Taxes
Finance minister has no clue what she is doing or saying , she should go to school to learn about finance, the worst Finance minister so far
No matter who comes to power Canada will need a strong and a vocal opposition .
Need modi
This is all ball game buyers and sellers need to understand.
Most important thing is peace in your life
I learnt hard way but now we all good
Please do not get stuck in situation
Only buy what ever your income really is
Home design sahi karney chahide a, kahhiaster bedroom aine wade a ke 3 double bedroom ch aa jaan, fer sara tuber masterbedroom ch wad ke baki ghar kiraye te de dinda,
Sarey bedroom same size de hone chahide a 10 by 14 ya 11by 15 da hona chihida. Canada ch ya ta kamra bahut hi chota mil janda ya bahut hi wada, ah galat aa
ਚਿੰਤਾ ਨਾ ਕਰੋ ਸਭ ਨੂੰ ਪ੍ਰਸ਼ਾਦ ਮਿਲੇਗਾ
👍
I sold my house and living in rental property , can move any province or city whenever I want , that’s a Canadian dream 😊
Thanks Mr. Shameel and Mr. Kalsi for very thoughtful and well considered views.In India we get the rebate in the income tax for the amount we pay as mortgage interest.
Recently government said they need to save real estate. Means keep rates up and all money goes to government members and investors
💯 right
ਕਿਸੇ ਹੋਰ ਬ੍ਰੋਕੇਰ ਨੇ 1.5 ਮਿਲੀਅਨ ਦੀ ੩੦ ਸਾਲਾ ਮੋਰ੍ਗੇਜ਼ ਅਤੇ 10 ਪ੍ਰਤਿਸ਼ਤ downpayment ਨਾਲ ਘਟੋਘਟ ਇਨਿਕ੍ਮ ਸਲਾਨਾ ਤਿਨ ਲਖ ਪੱਚੀ ਹਜ਼ਾਰ ਚਾਹੀਦੀ ਹੈ
It’s possible buyer have more down payment then it doesn’t have to pay mortgage insurance.
Big city living is always unaffordable People live in big cities like London Bombay Tokyo Hong Kong Delhi same way never easy.
FJT ne ghar nu mandi bana ditta…. banda ghar lainda si rehan layi… hun lainda ya tan darr ke ya investment banaun layi….FJT di estate confiscate karke CMHC di default back up ch use karo…
Link CRA with mortgage to stop mortgage fraud and banks charging 1% under table
Unemployment bahut jyada, 6.6 unemployment benefits le rahe a, kahi job search kar rahe a, kahi under employed a
Shameel ji home prices and income da world de kise v major city vich relation nahi hai..
New delhi hi check kr leo..
Lgda canada with civil war lag jani eh housing minu boht wadda fraud lgda kalsi sahib thank you Inna Sach bolan da
Kalsi ji nu pushio ke. Kalsi ji ne Bankruptcy kine war kiti. ?
😂
😂😂😂😂😂
They did this to make it difficult for next govt to survive. Digging the deeper holes for new govt
10 years or so ago, Canada was rich country, People could afford big homes, but it is not rich country anymore because of poor Justin/Jagmeet government policies, so now to solve this housing crisis, they need to start building small homes because poor country people can only afford small homes. they should build duplexes or row homes connected to each other rather than single family homes.
17:34 sau anne sach. dekho bhaji, Canada da biggest sector real estate a, eh kide ve is sector nu fix nahi karn gay, too much at stake,we all know that - no matter what party comes, this problem will never be fixed. Now, outside of GTA(Hamilton, Burlington to Oshawa) lower mainland bc and Calgary, homes are still affordable but only problem is job vacancies in those areas, wait 5 years Edmonton will also be unaffordable thanks to our community 😂 nothing we can do just work like a dog and pay bills just to survive.
‘Andher nagri chaupat raja, take ser bhaji take ser khaja ‘
Main LinkedIn te Finance Canada nu lahnat payi is announcement te…. JT gets kick backs from real estate prices going up… nahi tan eh bakwas rule banaun da koi matlab nhi si…
Bwst decision is bech booch ke India niklo vapis
@@kiingisking looks like someone never enjoyed royal life in India. Rajeya wali Zindagi...for poor people Canada is ok.
ਕਲਸੀ ਸਾਹਿਬ ਤੁਸੀ ਕਿਹੜੀ ਗੱਲ ਕਰਦੇ ਹੋ ਲੋਕਾ ਦੀ ਸਾਲ ਦੀ ਫੈਮਲੀ ਕਮਾਈ 60000 ਅਤੇ ਘਰ ਤਿੰਨ ਤਿੰਨ ਇਹ ਕਿਵੇਂ ?????, Fake mortgage must be controlled than every will be solved
ਮਾਫੀਆ ਸ਼ਬਦ ਬਹੁਤ ਢੁਕਦਾ ਇਹਨਾ ਲੋਕਾ ਤੇ
Uncle ji kush zeada hi seane ban de han purane bandyea nu rehire krn di gal karke , eh v daso v racism hor increase hou , so tusi keh rahe ho k tohade kol har cheez di expertise hai .
Indiawapus jana chahida sab sale karke
This show is copycat from the other girl comes in evening show.
Don’t just vote because they are Punjabi or take pictures
Why you don't talk about fake mortgage with conservatives leaders?
What you think all the Punjabi boys making donuts are not nuts . They are easy targets for real estate predators . Mr kalsi may have some business ethics but very rare left in the market .
16:44 BS living, life is slipping by and living like beggars, true what kind of lifestyle and character they are providing their kids…it’s a shame.
Financial damage is one part, stress,depression, divorce rate go up, Are byproduct of these...Gov. running a business n doesn't give a damn about society..All new policies or measures they serving to stimulate the market , cuz more transactions means more tax money for politicians...
Also, they should connect CRA n Bank Data for lending purposes, but NO, Govt. Only care about votes n tax grabbing.
What is affordable ? Can they define in Fig. terms ? If you can not measure it, you can not manage it (Is old saying)? They are not defining it ...only blabbering
Tussi problems de ki solution hone chahide ,us te Vi kujh roshni paya karo,,,sirf policy nu negate karna enough nahi ,! You should put suggestions to govt 😂
Surrey home prices jump 1.7 to 2.1 to 2.2m in this month due to this first home buyer program.
@@Summer-l3h I don’t know Surrey people have lots of money . Even on high mortgage prices doesn’t drop under 1.5m
You will own nothing and be happy
World economic forum