| Volume 26| Number 22| Phone:
| Fax:
| Email: voicerealtyads@gmail.com
Lowest Mortgage Vancouver jumps from fourth to first on housing bubble index Rates Guaranteed L O W E S TMortgage MORTGAGE Lowest NO CREDIT, BAD CREDIT, NO PROBLEM! Housing bubbles are a per cent on average factor contributing to It adds a “shift in inves- RATES GUARANTEED risk in six cities around since 2011,” says the bubble risk, along with tor sentiment or a major Rates NO CREDIT, BAD CREDIT, NO PROBLEM! Guaranteed the world, but none bank, while other finan- low mortgage rates. supply increase could Oct 1, | Volume 25| Number | Fax: 604-501-6111 | Email: voicerealtyads@gmail.com | Volume 26| Number 22|2016 Phone: | Fax: 40 Phone: 604-502-6100 | Email: voicerealtyads@gmail.com
MEMBER OF
Up to 80% Financing on Residential Properties with Limited Income Verification
Upto 80% Financing on Residential Properties
more so than Vancouver in the view of Swiss bank UBS. The city was ranked fourth in the 2015 report, just behind Sydney. “House prices of the cities within the bubble risk zone have increased by almost 50
Royal
cial centers have had gains of less than 15 per cent. UBS says the gap “is out of proportion to differences in local economic growth and inflation rates.” The report cites high demand from foreign investors as one
Second on the bubble list is London, followed by Stockholm, Sydney, Munich and Hong Kong. “Weak economic foundations of the latest price boom make the housing markets in those cities vulnerable,” according to the bank.
NO CREDIT, CREDIT, PROBLEM! with BAD Limited Income NO Verification
trigger a rapid decline Up• to 80% Financing on Residential Commercial Mortgages • First Time Properties Buyers in house prices.” • Equity Take Outs •Income Renewals • Debt Consolidation with Limited Verification • Refinances • Variable Rate Specials And it concludes in- • Cash Back Specials • Private Mortgages vestors in so-called • Rate Holds upto 120 days • Truck Leasing overvalued markets Owner of #1 Centum Franchise in BC shouldn’t expect any 25 Years of Over Experience 25 Years of real price appreciation Banking Banking Experience in either the near future or long run. 604.897.4068 25 YearsCorp. of Axis #204-12885, 80th Ave, Surrey • E: tony_hundal@centum.ca AxisMortgage MortgageCorp. www.surreydeltamortgages.com Banking Experience
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Shop With An Eye For Your Future Home Accessibility Needs
It can be heartbreaking to have to leave your home because of mobility issues at any age or stage of your life. So when you’re building, choosing a new home or renovating, keep basic accessibility features in mind. These features will help make it easier for you, your family and guests everyday. For example, a zero-step entrance makes it easier to get strollers, large or heavy items and things such as groceries and packages into the house. A design with fewer stairs will reduce the risk of falls in the home for young children as well as seniors. If you’re building, try to include an elevator, or rough one in. If you’re renovating, try to retrofit your space to include an elevator. Plan to include wide doorways and hallways, which will not only make the space seem bigger and brighter, but will make navigating the home easier for anyone using a walker or wheelchair. A main-floor bathroom is a must. Include a large walk-in shower instead of a tub. Another popular idea is to include a master suite on the main floor, to be used by in-laws now and you later should stairs become an issue. A broken leg and a long run of stairs isn’t a good combination. Include an attached garage with a door to connect it to the house so you don’t have to go outside in inclement weather. It’s a handy feature for all ages. Being able to enjoy your home for the long term is easier if you keep universal design in mind when you’re building, buying or renovating. Canada Mortgage and Housing Corp. (CMHC)
offers design principles for universal design on its website. It includes some features that can be added during renovations, such as lever-type door handles, which are easy to include when hardware is being updated. Lever handles are easy to open with one hand or an elbow, which makes it easy for small children or anyone carrying objects. These features can be added over time, CMHC says. Being able to visit friends and neighbours is a simple pleasure, but not one that can be enjoyed by everyone. Nor is being able to maneuver in their own home. “People who inhabit and visit the houses we live in come in all shapes and sizes, ranging from infants to seniors, with various ever-changing
abilities and skills,” says CMHC. “As we grow up, grow old and welcome new people into our homes, our housing needs change. A house that is designed and constructed to reflect the principles of universal design will be safer and more accommodating to the diverse range of ages and abilities.” CMHC says universal design is only a subtle shift from what is typically done; designing for greater accessibility is not a new way of designing, simply a more focused one. “By providing flexibility in the selection of design features and incorporating adaptability into the house design, the life and usability of a home is extended, which promotes the concept of aging in place.” The universal house includes many
elements that contribute to universal accessibility and are of benefit to everyone, CMHC says. For example, level, smooth, slip-resistant and glarefree floor finishes provide enhanced safety and comfort, and 36-inch wide doors make it easier to carry grocery bags and children into the house. Other ideas from CMHC include windows that have easy-to-operate opening and locking systems; shades or blinds to help control interior light; and adding extra lighting throughout that can be adjusted to everyone’s needs. When renovating the kitchen, choose cabinets that have drawers and pull out shelves to eliminate the need to reach to the back of the cupboards. Handrails on both sides make stairways easier for everyone to negotiate. Bathrooms should include curbless showers that are large enough to accommodate a seat or stool. “Planning for individuals’ changing needs and abilities allows for periodic home customization based on changing requirements and reduces the need for future costly renovations,” CMHC says. Planning for future needs is good practice. Principles of universal design encourage flexibility, adaptability, safety and efficiency and makes life easier every day. In addition to universal housing, there is Visitable housing that makes it easier for people using mobility devices to visit a home; adaptable houses that can change to accommodate a variety of family types; and accessible housing that meets the needs of a person with a disability.
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Indo-Canadian Voice | Saturday, Oct 1, 2016
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Saturday, Oct 1, 2016 | Indo-Canadian Voice
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Indo-Canadian Voice | Saturday, Oct 1, 2016
BUY OR SELL, LET’S DO IT!
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13188 101ST AV.,N.Surrey 13037 59A Ave., Surrey 9689 126TH ST., Surrey 10827 Brandy Dr., N.Delta 13275 97th Ave., N.Surrey 2553 156th St., S.Surrey 8642 149St., Surrey 15387 82nd Ave.,Surrey 13067 59A Ave., Surrey 13029 59A Ave., Surrey
SOLD 10486 144th St., Surrey SOLD 14298 88TH AV., Surrey SOLD 15005 91AVE., Surrey SOLD 10938 131A ST., Surrey SOLD 10486 144TH ST., N.Surrey SOLD SOLD 15005 91A Ave, Surrey SOLD 13051 59A Ave., Surrey SOLD 13029 59A Ave., Surrey SOLD 941Qualding Ave., Surrey SOLD 9228159A St., Surrey
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Indo-Canadian Voice | Saturday, Oct 1, 2016