Bernadette, our broker, has been incredibly helpful. Thanks to her and her team, my husband and I now own three properties in Vancouver without needing a co-signer. Your content is truly informative, especially for our Filipino community. Thank you very much, madam Ina.😊
This is very helpful Ina, we are just talking about future owning a house pero parang ang hirap sa na sa panahon ngayon. I am looking forward sa mga future interviews mo
New subscriber here! So glad I came across your channel. Very informative talaga. Keep it up Miss Ina. Sana po RRSP and TFSA next time po. Still confused about these two. Thank you po. Keep doing what you do ❤
Very informative as always. Keep up the good work po Mam Ina. Grabe binigyan niyo kami ng idea how to do it. I will definitely go back to this video in the future. As of now aspirant pa lang po ako to go to Canada. 🫶🏾
So sa example ni Ms. Bernadette 2 couple with each own property. Pina rent yung isa para magconsolidate sila to assume a better property in a better location I suppose. Some points to think are. Yung couples gusto nila ng better area sacrificing their privacy? Paano kung magkaanak na whoever couple and needs bigger space. Paano kung may araw na di sila magkasundo. So sa calculation yung maghahati sila sa equity I guess breakeven sila. What if there is no appreciation or worst a crash. Paano kung ma vacant yung isang property so negative cashflow sila. Sugal talaga ang multifamily home. But good for the Banks they sold a mortgage product in not so ideal rate environment and good for brokers collecting the 2.5 percent commision. I wonder soon it will be difficult to lenders as OSFI emposed a 4.5% ratio on their portfolio for lending. Mas mahirap na umutang sa future. Goodluck
Galing naman po salamat poh sa information it does really help us mga aspirant at nangangarap din manirahan sa canada silent follower here in bahrain and soon to work in kamloops BC waiting nalang poh ng working visa😊
Same ganun din ako, pagkatapos San spot pinoy with limoico fam, diretso sa ina nutshell. Ang Galing Ng guest ngayon, marami akong natutunan.. thanks po mam ina!
Co-signing any loan with somebody else whether family or friends is asking for trouble. Consider a 25 year mortgage so many things can happen in that time.
Co signing with another couple is a problem. Meron Ako co worker d2 SA Vancouver. Ibinta Nila Ang bahay dahil merong Hindi pagkaintindihan. Penalty Sila SA bangko😂😂😂
![เปิดใจ "อาจารย์เบียร์ คนตื่นธรรม" อดีตเคยสุดทุกทาง ถ้าใช้หนี้หมดไปบวชแน่ l [Nickynachat]](http://i.ytimg.com/vi/IxeE0xVhy08/mqdefault.jpg)
Bernadette, our broker, has been incredibly helpful. Thanks to her and her team, my husband and I now own three properties in Vancouver without needing a co-signer. Your content is truly informative, especially for our Filipino community. Thank you very much, madam Ina.😊
Thank you, too!
Very informative! Bernadette is such a good resource.very clean and direct to the point.
She is!! 😊
This is very helpful Ina, we are just talking about future owning a house pero parang ang hirap sa na sa panahon ngayon. I am looking forward sa mga future interviews mo
❤️❤️❤️
New subscriber here! So glad I came across your channel. Very informative talaga. Keep it up Miss Ina. Sana po RRSP and TFSA next time po. Still confused about these two. Thank you po. Keep doing what you do ❤
Salamat po! Naku, pareho tayo. Kulang pa talaga ako sa kaalaman diyan. Kaya sige! Try ko hehe
Very informative as always. Keep up the good work po Mam Ina. Grabe binigyan niyo kami ng idea how to do it. I will definitely go back to this video in the future. As of now aspirant pa lang po ako to go to Canada. 🫶🏾
Thank you and good luck po sa inyo!
So sa example ni Ms. Bernadette 2 couple with each own property. Pina rent yung isa para magconsolidate sila to assume a better property in a better location I suppose. Some points to think are. Yung couples gusto nila ng better area sacrificing their privacy? Paano kung magkaanak na whoever couple and needs bigger space. Paano kung may araw na di sila magkasundo. So sa calculation yung maghahati sila sa equity I guess breakeven sila. What if there is no appreciation or worst a crash. Paano kung ma vacant yung isang property so negative cashflow sila. Sugal talaga ang multifamily home. But good for the Banks they sold a mortgage product in not so ideal rate environment and good for brokers collecting the 2.5 percent commision. I wonder soon it will be difficult to lenders as OSFI emposed a 4.5% ratio on their portfolio for lending. Mas mahirap na umutang sa future. Goodluck
Galing naman po salamat poh sa information it does really help us mga aspirant at nangangarap din manirahan sa canada silent follower here in bahrain and soon to work in kamloops BC waiting nalang poh ng working visa😊
Thank you po and good luck sa inyo!
Nice topic....interesting & informative👍
Thank you! Hope you can help me by sharing the link!
Tinapos ko muna ang Spot Pinoy with Limoico Fam as guest so diretso agad dito.
Uy thank you! Hehe
Same ganun din ako, pagkatapos San spot pinoy with limoico fam, diretso sa ina nutshell. Ang Galing Ng guest ngayon, marami akong natutunan.. thanks po mam ina!
Thank you!!@@karenforetastevittles
Co-signing any loan with somebody else whether family or friends is asking for trouble. Consider a 25 year mortgage so many things can happen in that time.
Good point! I should have asked this. I will, next time I have her. Thanks! 😊
Co signing with another couple is a problem. Meron Ako co worker d2 SA Vancouver. Ibinta Nila Ang bahay dahil merong Hindi pagkaintindihan. Penalty Sila SA bangko😂😂😂
Grabe naman po ung weave and hair extensions ni Ms Bernadette sa thumbnail.
Ganda ng topic very informative
Thank you!
Ina, can you please interview finance advisor para malaman din namin paano kaya mag ipon or mag invest ng tama. Thank you, Ina ❤
Sige will do one. Hanap ako resource person. 😊 Salamat sa suggestion! 🙏🏻
Mag interview naman po kayo ng mga may plano umalis na canada at lilipat ng USA im sure marami manood nyan.
Salamat po sa suggestion, will look into it. ❤️
Precious son so adorable Ina
Naku daughter po! Hehe. Thank you!
@@inanutshellvlog naku sorry po kasi bilis ko lang nakita but shes so adorable
Can we ask how would the new announcement of factoring rent payments to improve credit score? Thanks.
Ganun pala yun dpt nagbabayad din ng credit card at hindi lang utang ng utang 😂
Hahaha akala ko din swipe lang talaga ng swipe tapos ty nalang! 🤣
Madami mga pinoy family sa Toronto, 2 or 3 families living together in one house and paying together the mortgage dahil sa taas ng presyo ng bahay
Mahirap nga po talaga lalo na Toronto. Kaya ako rin po nagbabalak na lumipat! Hehe
Try nyo pumasyal sa Edmonton para ma feel nyo ang vibe. Maraming new housing development and affordable price compare sa Toronto
Promo SM
Is age a factor when getting a mortgage?
Naku, forgot to ask this. But will message you if I find out!
Nobody could find a house in Vancouver or Toronto under 1 million dollars.
Yes! Thats why I'm moving out of the GTA too!