qusIN ikMnf mihMgf Gr KrId skdy ho?

qusIN ikMnf mihMgf Gr KrId skdy ho?
jdoN qusIN Gr KrIddy ho, qusIN kyvl KrId kImq df hI Bugqfn nhIN kr rhy huMdy[ quhfnUM AunHF sfrIaF lfgqF df Bugqfn
krn leI vI iqafr rihxf cfhIdf hY jo Gr dI KrId, mlkIaq aqy sMBfl Auwqy afAuNdIaF hn[
ieh pqf krn ivc mdd krn leI ik quhfzI ikMnf ku mihMgf Gr KrIdx dI smrwQf hY, Canada Mortgage and
Housing Corporation (CMHC), Gr dI mlkIaq nfl sbMDq ho skdIaF kuJ iek CupIaF lfgqF bfry hyT ilKy
suJfa idMdI hY:
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67400 24-06-11 How Much Home Can You Afford? (Punjabi version)
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jy qusIN kYnyzf dy bhuigxqI lokF vrgy ho qF, Gr nUM KrIdx leI sB qoN vwzf Krcf quhfzIaF mOrgyj dIaF mhInyvfr
ikÈqF hoxgIaF[ mOrgyj df afkfr quhfzI zfAUn pymYNt (Auh rkm jo qusIN Gr KrIdx leI jmF rkm vjoN dyx leI
iqafr huMdy ho) dy afkfr Auwqy inrBr krdf hY[
jy qusIN Gr dI KrId kImq dy kyvl 20 pRqIÈq qoN Gwt zfAUn pymYNt dy skdy ho, qF quhfnUM mOrgyj lon ieMÈorYNs dI
ËrUrq pYx dI sMBfvnf hY[
Gr dy mflkF leI KricaF ivcoN aglf vwzf Krc slfnf sMpqI kr (prOprtI tYks) hY[ ieh Auh tYks hn
jo Gr dy sfry mflkF nUM ies aDfr qy hr sfl dyxy pYNdy hn ik AunHF dy Gr df muwl kI hY[ sMpqI kr GrF aqy
imAUNsIpYltIaF dy ihsfb nfl vwK vwK ho skdy hn[ jdoN qusIN Gr KrId rhy huMdy ho qF rIal aYstyt ilsitMg nUM
quhfnUM dwsxf cfhIdf hY ik sMpqI kr ikMnf hoeygf[
jdoN qusIN Gr KrIddy ho, qF vkIl (jF kUbYk ivc notrI) nUM krnf afm krky cMgf ivcfr ho skdf hY[ quhfzf vkIl
jF notrI ieh pqf lgfeygf ik quhfzy Gr nfl bkfieaf krËy jF hor koeI smwisafvF qF nhIN juVIaf hoeIaF[
vkIl quhfzy leI lYNz tRFsPr tYks df vI Bugqfn krygf[ lYNz tFRsPr tYks Auh tYks hY jo qusIN quhfzy duafrf
kYnz
y f ivc ËmIn KrIdx ‘qy srkfr nUM idMdy ho[ ieh afm krky Gr dI KrId kImq df iek qoN cfr pRqIÈq hud
M f hY[ vkIlF dIaF syvfvF lYxf mihMgf ho skdf hY, ies leI ÈurU ivc hI puwC lvo ik Auh ikMny pYsy lYxgy, aqy afly-duafly
ssqf vkIl jF notrI krn leI pwuC pVqfl krn qoN nf GbrfAu[ cMgy vkIl nUM lwBx leI, dosqF dI slfh lAu, jF
sQfnk bfr aYsosIeyÈn nUM kfl kro aqy quhfzy ielfky ivcly AunHF vkIlF dy nF puwCo jo ËmIn jfiedfd dy kfnUMn ivc
mfhr hn[
quhfnUUM pRfprtI apryËl df vI Bugqfn krnf pY skdf hY, jo quhfzI mOrgyj df krËf dyx vfly nUM ieh inrDfrq krn
ivc mdd krdf hY, ik sMpqI dI KrId leI Auh quhfnUM ikMnf AuDfr dy skdy hn[
quhfnUM Gr dI jFc leI GrF dy ieMspYktr dIaF syvfvF vI lYxIaF cfhIdIaF hn[ Gr dy ieMspYktr df kMm
quhfnUM Gr dI hflq bfry sUicq krnf huMdf hY[ agr koeI cIË shI qrHF kMm nhIN kr rhI hY qF Gr df ieMspYktr
quhfnUM ies bfry dwsygf ik iesnUM bdly jfx dI ËrUrq hY aqy iewQoN qwk ik Auh cIËF vI ijnHF nfl aqIq ivc koeI
smwisafvF rhIaF ho skdIaF hn[
Gr dy mflk vjoN, qusIN quhfzy Gr nUM inwGf krn, roÈnI aqy pfvr df Bugqfn krn leI ijMmyvfr hovogy[ afpxy
iraYltr jF Gr dy mOjUdf mflk nUM puwCo ieMnHF XUitltIË df hr mhIny ikMnf Krcf afAuNdf hY[ afpxy Gr dIaF
murMmqF aqy sFB sMBfl leI hr mhIny kuJ vfDU bwcqF nUM vwK sFB ky rwKo[
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quhfnUM, Gr nUM awg lwgx, corI jF qoV BMn dI hflq ivc afpxy Gr aqy ies ivcly smfn dI surwiKaf leI sMpqI
bImf krvfAux dI ËrUrq vI pvygI[ asl ivc, iËafdfqr krËf dyx vfly quhfzy Auwqy jor pfAuxgy ik AunHF duafrf
mOrgyj krËy nUM mMËUrI dyx qoN pihlF qusIN Gr df bImf krvfAu[
bhuq sfry mfmilaF ivc, quhfnUM Aus ivakqI nUM, jo quhfnUM Gr vycdf hY, AUnHF XUitltIË jF sMpqI krF leI Bugqfn
vfps krnf pvygf, ijMnHF df kloiËMg zyt qoN bfad dy smyN leI, pihlF hI Bugqfn kIqf hoieaf hY[
iesdy ielfvf, jy qusIN koNzoimnIam KrId rhy ho, quhfnUM mhInyvfr koNzo PIs dyxI pvygI[ ies PIs koNzoimnIam
dIaF apRyitMg lfgqF aqy nfl dI nfl vwzIaF jF CotIaF murMmqF ijMnHF dI koNzoimnIam nUM BivwK ivc ËrUrq ho
skdI hY, leI pYsy iekwTy krn ivc mdd krdI hY[
irhfieÈ bfry vDyry jfxkfrI leI, ikrpf krky Canada Mortgage and Housing Corporation nUM
www.cmhc.ca/newcomers ‘qy sMprk kro[