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Condominiums are fast becoming the purchase of choice for people who are looking for the amenities of an urban lifestyle, hands-off maintenance, and an entry into the real estate market for often less than the price of a detached single-family home. The appeal of a condominium lifestyle has resulted in incresed demand and consequently higher purchase prices. So it is ...
Condominiums are fast becoming the purchase of choice for people who are looking for the amenities of an urban lifestyle, hands-off maintenance, and an entry into the real estate market for often less than the price of a detached single-family home. The appeal of a condominium lifestyle has resulted in incresed demand and consequently higher purchase prices. So it is crucial that prospective buyers understand what makes a condominium differnt from other types of real estate and what is involved when they decide to invest.
In 101 Streetsmart Condo Buying Tips for Canadians, bestselling real estate author Douglas Gray offers condo shoppers everything they need to know to make their purchase a pleasant and profitableexperience. Realders will learn about matching the purchase to their needs and risk tolerance, financing strategies, negotiation tactics, and how to close the deal and pitfalls to avoid.
In addition to the many streetsmart tips, the appendix includes a glossary of real estate terms, useful websites, and helpful checklists.
101 Streetsmart Condo Buying Tips for Canadians will appeal to condo purchasers who want reliable and objective information to help them make an informed, insightful, and confident decision when they buy.
CHAPTER 1: Is a Condominium the Right Lifestyle Choice for Me?
Tip #1: Condo Course 101.
Tip #2: Understanding the Types of Condos in the Market.
Tip #3: Advantages to Look for in a Condo Community Lifestyle.
Tip #4: Disadvantages to Think About in a Condo Community Lifestyle.
Tip #5: The Benefi ts of Buying a Condo as an Investment.
CHAPTER 2: A Crash Course in How a Condominium Is Run and Managed—and What That Can Mean for an Owner.
Tip #6: Read the Act.
Tip #7: Know the Powers of the Council.
Tip #8: Who Minds the Farm?
Tip #9: Can You Live with Your Obligations as a Condo Owner?
Tip #10: Know Your Rights Before You Buy—You Could be Surprised.
Tip #11: The McCoys vs. the Hatfi elds.
Tip #12: When in Dispute … .
Tip #13: The Cost of Membership: Part 1.
Tip #14: The Cost of Membership: Part 2.
CHAPTER 3: Financing Strategies for Your Condo.
Tip #15: Understand How Federal Government Policy Impacts Interest Rates.
Tip #16: Why the Money Supply Affects Mortgage Rates.
Tip #17: Know that Rates Vary Among Lenders.
Tip #18: What Kind of Borrower Are You?
Tip #19: Different Properties Mean Different Rates.
Tip #20: Know the Mortgage Hierarchy.
Tip #21: How the Mortgage Term Is Connected to the Interest Rate.
Tip #22: How to Determine the Maximum Mortgage You Can Afford.
Tip #23: You Own the Property When the Mortgage Is Dead.
Tip #24: Know the Fine Print Before You Sign.
Tip #25: How a Pre-approved Mortgage Can Help You.
Tip #26: Where to Find Conventional Financing.
Tip #27: Alternate Sources of Financing.
Tip #28: Understanding the Special Clauses in a Condominium Mortgage.
Tip #29: Where to Begin Shopping for a Mortgage.
Tip #30: Using a Mortgage Broker.
Tip #31: The Key Factors to Consider When Selecting a Mortgage.
Tip #32: What You Need to Know When Applying for a Mortgage.
Tip #33: Understanding What the Lender Requires of You.
Tip #34: Beware the Many Costs of Obtaining a Mortgage.
Tip #35: Mortgage Life Insurance Premiums vs. Term Insurance.
Tip #36: Using the Money in Your RRSP.
Tip #37: What Your Options Are If You Default on Your Mortgage.
Tip #38: Options for the Lender on Default.
CHAPTER 4: Purchasing Your Condo.
Tip #39: Understanding What’s Behind Real Estate Cycles.
Tip #40: Identifying the Three Types of Real Estate Markets.
Tip #41: Identifying Factors that Affect Prices.
Tip #42: Assemble Your Team: How to Find the Right Realtor.
Tip #43: Assemble Your Team: How to Find the Right Accountant.
Tip #44: Assemble Your Team: How to Find the Right Home Inspector.
Tip #45: Assemble Your Team: How to Find the Right Insurance Broker.
Tip #46: The Essential Factors of Buying a Condominium.
Tip #47: Know the Real Reason Behind the Listing.
Tip #48: Where to Look for Your Condo.
Tip #49: Pros and Cons of Different Types of Condos.
Tip #50: Know Your Warranty Coverage for a New Condo.
Tip #51: How Do You Know If the Price Is Fair?
Tip #52: Factors that Drive Your Buying Position.
Tip #53: How to Prepare for Negotiation.
Tip #54: The Fine Print of Presenting an Offer.
Tip #55: Get Title Insurance.
Tip #56: Typical Costs When Closing a Purchase.
Tip #57: You Can’t Hide from the Taxman.
Tip #58: Income Tax and Your Personal Residence.
Tip #59: Capital Gains or Income on an Investment Property?
Tip #60: Income Tax and Investment Property.
Tip #61: Can You Have a Rental Suite in Your Condo?
Tip #62: Operating a Home Business from Your Condo.
Tip #63: What Are Typical Preparation Pitfalls to Avoid?
Tip #64: What Are Typical Due Diligence Pitfalls to Avoid?
Tip #65: What Are Typical Partnership Pitfalls to Avoid?
Tip #66: What Are Typical Financing Pitfalls to Avoid?
Tip #67: What Are Typical Legal Pitfalls to Avoid?
Tip #68: What Are Typical Investment Pitfalls to Avoid?
Tip #69: What Are Typical Tax Pitfalls to Avoid?
Tip #70: What Are Typical Selling Pitfalls to Avoid?
CHAPTER 5: Legal Aspects of Buying a Condo.
Tip #71: Know the Difference Between Freehold and Leasehold Interest in Land.
Tip #72: Understand the Various Types of Joint Ownership.
Tip #73: What You Need to Know About a Legal Contract.
Tip #74: What to Look for in a Purchase and Sale Agreement.
Tip #75: Ensure that Conditions of an Offer Are Clearly Stated.
Tip #76: Conditions for the Benefi t of the Purchaser.
Tip #77: Conditions for the Benefi t of the Vendor.
Tip #78: Know Your Legal Options to Get out of a Signed Contract.
Tip #79: Understanding Project Documents.
Tip #80: Understanding the Condominium Corporation's Bylaws.
Tip #81: Understanding the Condominium Corporation's Rules and Regulations.
Tip #82: Understanding the Disclosure Statement.
Tip #83: Understanding the Condominium Corporation’s Financials.
Tip #84: Understanding Property Management.
Tip #85: Understanding the New Home Warranty Program Certificate.
Tip #86: The Ins and Outs of Hiring a Lawyer.
Tip #87: Understanding the Services the Purchaser's Lawyer Provides.
Tip #88: Understanding the Services the Vendor's Lawyer Provides.
Tip #89: Protecting Yourself with Home Insurance.
Tip #90: How to Avoid Being Sued.
Tip #91: Why You Need an Up-to-Date Will.
Tip #92: Rely on a Lawyer to Prepare Your Will.
Tip #93: The Importance of Estate Planning.
CHAPTER 6: Selling Your Condo.
Tip #94: The Best Time to Sell.
Tip #95: Hints on Preparing Your Condo for Sale.
Tip #96: Know the Pitfalls of Sale by Owner.
Tip #97: How to Find the Right Realtor.
Tip #98: Getting the Best Price.
Tip #99: Know the Contents of a Listing Agreement and Avoid Problems Post-Sale.
Tip #100: How Much Commission to Pay a Realtor.
Tip #101: Which Type of Listing Agreement Fits Your Needs?
APPENDIX: Condo Buyer's Checklist.
Condo Purchase Expense Checklist.
Reader Feedback and Educational Resources.
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