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Articles related to the down payment :
Down payment
What are the rules regarding the down payment…
Equity
A few tips if you are missing assets…
More or less equity ?
How much of your assets should you invest into your property ?…
OPP2
Ruling regarding your pension funds…
Articles related to taxes :
Principal (amortization)
A good strategy could have a huge tax impact…
Closing costs
Generally paid by the buyer(s) on top of the purchase price…
Property tax
Linked to the tax value of the property, this tax will be paid annually…
Rental value
Non existant income added to your taxable income…
Standard deduction
Minimum tax deductible amount that owners can apply…
Tax on selling profit
Tax applied to a gain made by selling your property…
Tax on retirement funds
When withdrawing pension funds, a tax will be owed…
Actual maintenance costs
The renovation work made into your property will be tax deductible…
Marginal tax rate
Estimate the tax impact of a higher/lower taxable income…
Articles related to mortgage loans :
Alternative models
Loan strucutres that differ from the classic ones…
Mortgage “tranches”
One or multiple mortgage “tranches” ?…
Loan duration
Short, medium, or long term loans ?…
Other articles :
New purchase
What are the swiss rules and guidelines for a new purchase ?…
Refinancing
It might be the right time to look at it, and eventually reajust your financing…
Purchasing a HOA property
There are advantages and disadvantages…
Real estate company
Should be considered when purchasing an investment property…
3rd pillar
Tax deductible or non tax deductible, bank account or life insurance policy ?…
Investment property
Should be thorougly evaluated before making a decision…
Early termination fees
What happens when ending a mortgage contract before its term ?…
Real estate broker fees
When selling your property, choosing the “right” realtor will be essential…
Simple partenership or co-ownership
What is the right option to choose ?…
“Construction” loan
Slightly differ from a mortgage loan…
Mortgage titles
Are part of the closing costs and the purchase process…
Avoiding a penalty fee
A few options to consider…
“Legal mortgages”
Literally “Hypohtèques légales”…
Negociating loan rates
A few elements to consider when negociating your mortgage terms…
Choosing your mortgage broker
A good mortgage broker will make you save money, time, and energy…
Loan rates determination
How do mortgage providers “fix” rates ?…
Income qualification criteria
How will mortgage providers establish what loan amount you can obtain ?…
Type of selling contract
Which option to choose from ?…
LPP pledging
To withdraw or to pledge your pension funds ?…
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