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A consumer guide and workbook - page 53 / 79

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Mortgagor*………………………………44 Moving ……………………………38-40 Net worth* ……………………………44 New housing, see Builder, Housing

types and Warranty Notary, see Lawyer Offer to Purchase* …………15, 20, 21,

34-38, 42-44 Option agreement*

  • ……………………

    44

  • P.

    I.T.* (principal, interest and taxes) ………………………………44

  • P.

    I.T.H.* (principal, interest, taxes and heating) ………………13, 14, 33, 44

Prepaid taxes and utility bills …15, 44 Principal*, also see P.I.T.*

and P.I.T.H.* …………12, 24, 25, 27, 30, 42-44 Property appraisal, see Appraisal* Property value ………………………5, 21

46

  • INDEX

Property tax, see P.I.T*, P.I.T.H.* and

Tax Real estate representative, see also

Realtor* ........5, 7, 8, 20, 21, 36, 38, 43 Realtor* ………………………………44 Refinance* ………………………………44 Renovation/repair costs 12, 13, 15, 20,

25, 41, 42 Resale housing, see Housing types Service charges, also see Fees ………15 Statement of Adjustment* ………38, 44

Survey*

  • …………………

    15, 35, 38, 44

Survey fee ………………………………15 Tax, also see P.I.T.* and P.I.T.H.*

GST

  • …………………………

    6, 15, 37

property tax ……………5, 12, 15, 38 land transfer tax ………………15, 39

prepaid tax

  • …………………………

    15

Term*

  • …………

    25-27, 29, 30, 42-44

Title*

  • ……………………………

    6, 44

Total Debt Service ratio (TDS)* 13, 14,

30, 33, 44

Utilities

  • ………………………

    15, 38, 40

Utility bills (prepaid)

  • …………………

    15

Vendor,

  • ………

    15, 20, 26, 34-36, 38,

39, 42-44 Vendor take back mortgage* (VTB),

see Mortgage*

Warranty ……………………………6, 37

builder warranty ……………………6 Water quality/quantity ………………15 Zoning/zoning bylaws* ……5, 7, 37, 44

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