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od **tradebuzzing** » 13 říj 2016, 18:27

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Google is buying software company Apigee for $625 million
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Facebook completes its $22 billion acquisition of WhatsApp
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Pink Star diamond sells for world record $83 million
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You'll Need To Earn This Much To Afford A House In Canada

From foreign buyers gobbling up properties sight unseen to young families trying to raise kids in condo towers, the Canadian housing market is a hot topic of discussion these days. But what do houses really cost these days? According to the Canadian Real Estate Association (the CREA), the average price in Canada is currently $480,743, an amount that changes from region to region.

To find out just how much it varies, we looked at average house prices in each major city, and then tried to estimate how much income is needed to afford that. For help, we turned to Adrian Williams, a Toronto mortgage broker with an incredibly handy mortgage calculator.
"To calculate an estimated gross income required, you need the purchase price, down payment, interest rate, estimated property taxes and a minimum of $100 a month for heating costs. Other utilities are not factored in by lending banks," Williams says.
At William's suggestion, we used a 2.49 per cent interest rate (based on a 120-day rate hold. This is the average qualifying rate for a five-year fixed term) and a down payment of 10 per cent of the purchase price.
"Other factors that are included with mortgage qualification are the total monthly payment obligations from credit cards, LOC's, personal and car loans, car leases and other types of credit that require a monthly payment," Williams said.
The CREA's prices below take into account all residential properties, including detached, semi-detached, townhouse/row houses, apartment units, cottages, duplexes and triplexes. Median salary information comes from Statistics Canada's 2014 Metropolitan Area Census, the most recent look at salaries across the country. Numbers are rounded to the nearest dollar, and all property tax figures should be considered rough estimates.
So, without further ado, here is what you need to earn to buy a house in every major Canadian city.

Vancouver

Average price: $1,007,687
Monthly mortgage payment: $3,693
Monthly property tax: $265
Income required: $152,206
Median family income: $76,040

Calgary

Average price: $469,325
Monthly mortgage payment: $1,935
Monthly property tax: $241
Income required: $107,123
Median family income: $85,366

Edmonton

Average price: $384,504
Monthly mortgage payment: $1,586
Monthly property tax: $256
Income required: $72,812
Median family income: $101,470

Regina

Average price: $314,714
Monthly mortgage payment: $1,298
Monthly property tax: $359
Income required: $65,881
Median family income: $96,080

Saskatoon

Average price: $346,879
Monthly mortgage payment: $1,430
Monthly property tax: $363
Income required: $71,006
Median family income: $93,400

Winnipeg

Average price: $282,684
Monthly mortgage payment: $1,166
Monthly property tax: $286
Income required: $58,191
Median family income: $79,850

Ottawa

Average price: $374,431
Monthly mortgage payment: $1,544
Monthly property tax: $335
Income required: $74,216
Median family income: $102,020

Average price: $709,825
Monthly mortgage payment: $2,927
Monthly property tax: $406
Income required: $128,746
Median family income: $75,270

Montreal

Average price: $349,218
Monthly mortgage payment: $1,440
Monthly property tax: $240
One-time "welcome tax": $3750
Income required: $78,473
Median family income: $75,010

Halifax

Average price: $292,511
Monthly mortgage payment: $1,206
Monthly property tax: $294
Income required: $56,929
Median family income: $60,010

St. John's

Average price: $304,115
Monthly mortgage payment: $1,254
Monthly property tax: $205
Income required: $54,717
Median family income: $94,060

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Finding your purpose in the world is a lot less about “figuring it out” and more about letting it “emerge from your soul.” I hear from many coaching clients that they've been spending years trying to figure out what their passion and purpose is! They usually change jobs every couple years in hopes the next one will fill the void. It doesn't. And the pattern repeats, until you finally do what you're here to do.

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Relax & earn easy fast money online $100, $200, $300 per day

Relax & earn easy fast money online $100, $200, $300 per day

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