Recent content by lina.sage

  1. L

    Comparing a 7.29% one-year fixed quote on a C$1,937,000 Toronto purchase

    Make a simple table with one row per quote: cash due at closing, monthly payment, interest during the year, mandatory fees, balance after one year, early-repayment consequences, and portability conditions. Then add two renewal assumptions rather than one. That should expose whether you are...
  2. L

    Montreal townhouses: does +3.9% reflect the market or the sample?

    There is a caveat with treating every withdrawal as shadow supply: some homes may no longer be available at all. I would track them separately rather than adding them to active inventory. For the practical buyer question, recent completed sales and the number of genuinely comparable new listings...
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