How to buy a house in Quebec: essential guide for newcomers

Buying a house in Quebec may seem out of reach or at least complex for non -residents. But be security: with the right information and good support, this approach is not complicated and can even represent an excellent opportunity for you and your family. As a newcomer to Quebec, you must understand the laws and steps that supervise the purchase of property to carry out your project without unpleasant surprises. This article provides the advice and tools necessary to prepare properly for the purchase of your first house in Quebec.

There Law on the prohibition of the purchase of residential buildings for non -singing It has been established to guarantee market stability and limit the increase in properties prices to the country. Despite popular belief, know that it is quite possible to buy a house without permanent residence. By understanding the exceptions of the law, you will discover that you are probably eligible for purchase or you can plan your project quickly after your arrival.

If you are in one of the following situations, you can completely become the owner in Quebec:

• People with a work permit or who are authorized to work in Canada can buy a residential building, if they have a work permit or a remaining work permit Valid for 183 days or more From the date of purchase and if they did not buy more than a residential building.

• No horns that buy residential properties with a spouse or a permanent spouse of customary law. If a person in the couple has a license, the couple legally qualifies for the purchase.

• Refugees and protected persons in the sense of the Refugee Immigration and Protection Law.

• Diplomats or consular or foreign states that buy for democratic or consular purposes.

The law does not apply outside the census of metropolitan regions or census agglomerations. See the card to verify if your home is aimed at the law or if you can buy without restriction: RMR interactive map.

L'The purchase of accidents is the simplest option for those who can pay it. It is a road that allows you to take all the steps before reaching the territory, with the help of a real estate corridor that represents it on the ground. Research properties and signatures that can be made 100 % remotely, you just have to sign the act of sale in the notary when you arrive and place your suitcases in your new at home.

In most cases, you must obtain a bank mortgage. This step can be a challenge as a newcomer, let's say. Each bank will have its own criteria to qualify and determine its debt capacity. As a rule, we will ask you 3 months in the employment of the Canadian soil With support heels to allow a loan. However, there may be exceptions that accelerate the process, hence the importance of being accompanied by a good mortgage corridor. His role is to present the best strategy for your project and explain the options: fixed or variable rate, minimum contribution, transfer of international funds, mortgage loans, etc. When working with a professional specialized in this type of file, you will put all the chances on your side and avoid disappointments when you are in love.

Investing in real estate in a foreign country can be intimidating. That is why it is essential to be supported by qualified professionals at the beginning of their immigration project. As soon as he questions his future place of residence, comply with a realized realization corridor specialized in immigration files so he can help him evaluate his options and understand all stages of a real estate transaction.

Not only will you answer all your questions about the market and costs, but you can help you prepare your archive from your country of origin to facilitate the process once there. It is your confidence in confidence in the field and even help you plan the necessary budget to cover costs related to the purchase price.

Quebec is large, and the characteristics of the real estate market may vary considerably from one city to another. When choosing collaborating with a corridor, it guarantees in depth knowledge of the particularities of the local market and the investment opportunities of its new city.

This professional will send you the new functions in the market in your real -time research sector, accompanied by specific details about each property. When a property pays attention, your corridor will direct it to the best strategies to adopt and inform you about the real value of the property.

It is not limited to supervising the transaction and defending their interests; It also coordinates all the necessary steps for the acquisition of your property. At each stage of the process, it facilitates its connection with qualified professionals, such as mortgage runners, inspectors, construction experts and notaries, to allow you to carry out your Immigration Project with Insurance.

In summary, becoming owner in Canada as non -resident requires good preparation, but represents an excellent opportunity for your family. The team with competent professionals can greatly simplify this process and avoid unpleasant surprises. Do not miss the opportunity to live in a house where you will feel at home. This will make all the difference for its integration into its new life in Quebec.

Make a free appointment today to see how our team and our partners can help you in your project.

WARNING: This information is provided to obtain information and does not constitute legal advice. The information in question is not legal opinions and should not be processed or invoked as such. It is recommended to consult a qualified professional to obtain advice adapted to their specific situation.