Start-up costs

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Start-up costs

Start-up costs - Aurélien Pierache

Did you know that when buying a property, you need to have some amount of cash in hand to cover start-up costs? Indeed, the down payment and the payment of the mortgage are not the only costs to consider at the time of purchase.

Startup costs should not be taken lightly; it is therefore necessary to be able to count on sufficient funds. Many mortgage lenders will even make sure you have these funds in your possession before granting you a loan. The mortgage is calculated based on the value of the home and cannot be used for start-up costs.
Here are some common startup costs:

  1. Property inspection and appraisal
  2. examination of the file by the mortgage insurer, if applicable, as well as the taxes on the premium
  3. Notary fees
  4. Account adjustment fees indicated by the notary (electricity, heating, municipal and school taxes, equipment rental contract, etc.)
  5. Transfer tax (welcome tax)
  6. Moving expenses
  7. Connection fees (telephone, electricity, etc.)
  8. Furnishings (paint, curtains, etc.)

SOURCE: CENTRIS.CA

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