Wagner da Silva

Sales Representatives

Coldwell Banker - R.M.R. Real Estate, Brokerage *

Mobile:
905-449-8705
Office:
1-888-472-2767
Email Me
  Wagner  da Silva

Wagner da Silva

Sales Representatives

Mobile:
905-449-8705
Office:
1-888-472-2767
Email Me

I am a very effective communicator. My clients can depend on me to ensure that all elements of the transaction are complete properly and professionally. I am disciplined and as such I approach all tasks with one objective in mind to get the job done well.

You can trust me to handle one of the biggest financial decision of your life. I Understand your needs to provide a service that will surpass your Real Estate needs.

Support of great and experience team. Top-notch marketing tools and exposure with most up-to-date photography, video and web communication 

I am positive that I can be an impactful Real Estate Agent for you. So connect with me today to learn more about me and how I can help you to: SELL / BUY / RENT your property.

 

Falo Português & Hablo con fluidez español

Education: Engineering, MBA
Area Covered: Clarington, Oshawa, Whitby, Brooklin, Ajax, Pickering, Toronto, Mississauga, Milton, Oakville, Vaughan, Richmond Hill
Languages Spoken: English, Portuguese, Spanish
Rosa  da Silva Rosa  da Silva

Rosa da Silva

Sales Representative

Mobile:
905-447-6895
Office:
1-888-472-2767
Email Me

Rosa really enjoys helping people to achieve their dreams of real estate ownership in Canada.

Always looking to do everything much more quickly and efficiently, she uses the technology and social media to extend the range of services provided to her clients and customers.

Rosa knows how some aspects of real estate transactions can be confusing; therefore she takes the time needed to explain the process to her clients in ways that are easy to understand.

Her clients can always rely on her. In order to keep everything on track and smooth during the process of buying or selling a property, she stays one step ahead on every detail to reach closing.

Education: Buyer's Specialist Senior Specialist E-pro Specialist
Specialty:
§  "Accredited Buyer Specialist”: I have successfully helped First-Time Home Buyers, especially Brazilian immigrants, to stop paying rent and buy a new home.
§  "E-PRO Accredited Specialist”: I'm fully prepared to use the internet in all its potential such as MLS, Websites, and Social Media.
Experience: 11 years
Awards: Coldwell Banker International Sterling Society
Area Covered: Toronto, GTA, Durham Region (Pickering, Ajax, Whitby, Oshawa, Clarington)
Languages Spoken: English, Portuguese
Wagner  da Silva

Wagner da Silva

Sales Representatives

Coldwell Banker - R.M.R. Real Estate, Brokerage *

Mobile:
905-449-8705
Office:
1-888-472-2767
Email Me

Stress Test pode ser removido e preço das casas subirem

É possível que o Banco Central do Canada venha eliminar o “Stress Test” atualmente em vigor.

É amplamente reconhecido que os formuladores de políticas federais monetárias  que implementaram o famoso “STRESS TEST” (teste de acrescenta 2% no cálculo das “mortgages” (hipotecas)   introduzidos há 16 meses atrapalharam as vendas e os preços das residências, uma vez que alguns compradores não estão qualificados para empréstimos que teriam obtido de outra forma.

Mas até que ponto o mercado está sendo impactado?

De acordo com um novo relatório da TD Bank sugere, se o teste de estresse para Mortgages não seguradas (entrada 20%+)  fosse desfeito hoje, até o final de 2020 os preços das casas no Canadá iriam aumentar entre 4% e 6%.

Dois pontos percentuais podem não parecer muito, mas se traduz em uma diferença de dezenas de milhares de dólares.

Os mutuários que não conseguirem efetuar um pagamento inicial de pelo menos 20% exigem um seguro para o mortgage, e os candidatos a hipotecas seguradas já estavam sujeitos a testes de estresse antes da decisão de janeiro de 2018 para implementá-los no segmento não segurado.

Mas este teste de estresse está tendo um impacto “desproporcional” nos compradores de casas pela primeira vez( first time home buyers)

As novas regras parecem ter afetado os compradores de casas pela primeira vez (first time home buyers) mais do que outras compradores. Os proprietários de casas existentes não foram sujeitos às diretrizes se optaram por renovar seu mortgage com o credor atual.

O efeito prolongado do teste de estresse no mercado imobiliário de  fato criou efeitos colaterais inesperados.

Por exemplo, os comentários sugerem que alguns mutuários que não conseguem passar no teste estão recorrendo a credores mais arriscados que não estão sujeitos à regulamentação federal. Outros, enquanto isso, continuam a alugar, sobrecarregando o mercado de aluguel.

Vamos torcer que isso aconteça.

Have Questions?

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Call Wagner:905-449-8705

   

Call Rosa:905-447-6895

   

1-888-472-2767

   

I am a very effective communicator. My clients can depend on me to ensure that all elements of the transaction are complete properly and professionally. I am disciplined and as such I approach all tasks with one objective in mind to get the job done well.

You can trust me to handle one of the biggest financial decision of your life. I Understand your needs to provide a service that will surpass your Real Estate needs.

Support of great and experience team. Top-notch marketing tools and exposure with most up-to-date photography, video and web communication 

I am positive that I can be an impactful Real Estate Agent for you. So connect with me today to learn more about me and how I can help you to: SELL / BUY / RENT your property.

 

Falo Português & Hablo con fluidez español



Education: Engineering, MBA

Area Covered: Clarington, Oshawa, Whitby, Brooklin, Ajax, Pickering, Toronto, Mississauga, Milton, Oakville, Vaughan, Richmond Hill

Languages Spoken: English, Portuguese, Spanish