现在加拿大很奇怪啊，一方面是经济危机，一方面是物价上涨，政府增税。不知道政府怎么想的？
真是个坏消息，不过可能实施不了吧
有消息说大多数市议员都不同意，这么这个方案就不一定能通过。
危机感到处存在，我的想法是到哪座山砍哪里的柴~随遇而安~~
祝楼主好运~~
谢谢你的祝福！感受到你们的祝福，真的就好运来了。
Hug Hug. Don't want to say anyting to you. But be touched by your actions"encourage your classmates".
What a warm hug! I am touching and smiling.Thank you for your hands.
第一，买房子有30％的首付，房子还贷及其他开销不超家庭收入的30％。
第二，家庭经济支柱有足够人身保险，一旦有意外，家庭经济不至于灭顶之灾。
第三，估计一下，压缩不必要开支，家庭留有足以开销1年的现金。
第三，如果失业，至少有能力寻找一份能够维持生活费的工作。
危机到来时候，谁也不能独善其身。
加拿大比美国要好。因为保守。
中国的危机已经开始了。
3年内大家都要猫冬。
有工作的守着工作，找不到的去学习。生孩子的时候。
We have the same opinion about arrangement of life.
Through reading your honest sharing, I indeed can find out many positive factors coming out from your words.
1.Using English expression means you had accepted the changes in Canada, at least in language. Even we all know we might deliver ourselves more vividly if we use Chinese.
2.Your image in this forum is always ingenuous and direct, that is why we all welcome your saying. So this time it more likely seems you just reminded us in advanced with your precognition. As you know in Calgary now the winter is on the way, but not everyone can feel that cold.
3. I trust our Chinese immigrants ,with so called traditional stick-in-the-mud, can weather this crisis.
God blessing.
Thank you for your understanding.
Sometimes, I confused what is my reality or what is my desire.In fact, every new immgrant always wonders and wants to look for a path which is correct. On the other hand, we encounter some frustration which are hard to say just for keeping our "face". I don't want to be a liar of my mind, so I want to share these thoughts with others.Maybe I will make some friends like you; Maybe I will be sneered by others. It doesn't matter because I believe friends always around me.
I appreciate that you give me so much encouragement.I will go on .
实在还不上,还可以找银行商量先还利息部分,本金暂不还,说实话,银行把房子收去也卖不出什么好价钱,只要能把利息还上,银行方面一般都没有什么问题
一般的房子30几万,如果是贷款25万,按5%的利率,每天的利息大概34快,算下来每月1000出头,和租房的成本差不多,但要舒服多了. 所以,自住房就不要太在意涨还是跌,涨了别高兴,那只是帐面上的,何况地税要跟着涨.跌了也不要紧,总有一天会涨回来. 我的观点是,有能力的话还是要尽早买房. 早买早享受.
Right now, our mortgage rate is 3.2%, so the payment of house is equal to the rent fees of 2 bedroom. I have never regret to buy a house. I agree with you.
其实单从每月支出来看买房和租房是差不多，但问题是你买房后把所有的积蓄当作首期付掉了，你帐户上没闲钱的时候肯定就要担心每个月的1000多块钱了。租房的人的帐户里还存着好几万块钱，每个月的1000多块就不是太担心。
其实这主要还是个个人感受问题，但我相信在经济危机来临时没买房的人因为没把存款当作首期付掉，心里肯定要踏实一点。
不过买不买房其实都要面对经济危机，全世界的人都一样，过分担心没啥必要，大不了两三年过点紧巴日子，经济危机过后又是一轮新投资（投机）高潮，现在就为下一轮高潮做准备吧。
You have a good idea on the other hand.
