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	<title>Объявления мастеров, художников, фотографов, дизайнеров &#187; Mortgage Broker In Vancouver</title>
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		<title>Why Mortgage Broker Vancouver BC Is no Friend To Small Enterprise</title>
		<link>http://www.nameart.ru/why-mortgage-broker-vancouver-bc-is-no-friend-to-small-enterprise/</link>
		<comments>http://www.nameart.ru/why-mortgage-broker-vancouver-bc-is-no-friend-to-small-enterprise/#comments</comments>
		<pubDate>Thu, 11 Jan 2024 11:37:12 +0000</pubDate>
		<dc:creator><![CDATA[naomihildebrant]]></dc:creator>
				<category><![CDATA[Без рубрики]]></category>
		<category><![CDATA[Mortgage Broker In Vancouver]]></category>

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		<description><![CDATA[The maximum amortization period has gradually declined from forty years prior to 2008 to two-and-a-half decades currently. Many mortgages feature prepayment privileges allowing extra one time payments or accelerated bi-weekly payments. Mortgage Broker Vancouver BC insurance coverage pays off home financing upon death while disability insurance covers payments if not able to work on account [&#8230;]]]></description>
				<content:encoded><![CDATA[<p>The maximum amortization period has gradually declined from forty years prior to 2008 to two-and-a-half decades currently. Many mortgages feature prepayment privileges allowing extra one time payments or accelerated bi-weekly payments. <a href="https://maps.app.goo.gl/4A9UxEkAukhsAJum7">Mortgage Broker Vancouver BC</a> insurance coverage pays off home financing upon death while disability insurance covers payments if not able to work on account of illness or injury. Renewing mortgages into a similar product before maturity often allows retaining collateral charge registrations avoiding discharge administration fees and legal intricacies related to entirely new registrations. Longer amortizations reduce monthly obligations but greatly increase total interest costs on the life in the mortgage. B-Lender Mortgages have higher rates but provide financing to borrowers not able to qualify at banks. Renewing too early results in discharge penalties and forfeiting remaining lower rate savings. Comparison mortgage shopping might save tens of thousands in the life of a mortgage.</p>
</p>
<p>Bridge Mortgages provide short-term financing for property investors until longer funding gets arranged. Self Employed Mortgages require applicants to offer additional income verification which could be more difficult. <a href="https://maps.app.goo.gl/4A9UxEkAukhsAJum7">Mortgage Broker Vancouver BC</a> pre-approvals outline the speed and amount of the loan offered well ahead in the purchase closing date. The maximum LTV ratio allowed on insured mortgages is 95%, permitting first payment as low as 5%. The maximum LTV ratio for insured mortgages is 95% therefore the minimum deposit is 5% from the purchase price. The CMHC Green Home rebate refunds around 25% of annual mortgage insurance premiums for buying energy-efficient homes. Breaking a home financing before maturity uses a discharge or early payout fee except in limited cases like death, disability or job relocation. Limited exception prepayment privilege mortgages permit specified annual one time payment payments go straight to principal without penalties, providing incentives to keep the course over original amortization schedules. Mortgage prepayment charges depend for the remaining term and so are based on the penalty interest formula. The First Home Savings Account allows first-time buyers to save around $40,000 tax-free towards a advance payment.</p>
<p>The maximum amortization period has declined as time passes from 40 years prior to 2008 to two-and-a-half decades currently. Debt Consolidation Mortgages allow homeowners to roll higher-interest debts like charge cards into their lower-cost mortgage. Borrowers can make one time payments annually and accelerated bi-weekly or weekly payments to spend mortgages faster. Borrowers can make one time payments annually and accelerated bi-weekly or weekly payments to pay mortgages faster. Second mortgages are subordinate to first mortgages and have higher rates of interest reflecting the and the higher chances. Anti-predatory lending laws prevent lenders from providing mortgages borrowers cannot reasonably afford depending on strict standards. First Time Home Buyer Mortgages help new buyers reach the dream of buying earlier in your life. Refinance Mortgage Rates incorporate discounts lenders provide existing customers reward loyalty waive re-documentation processes.</p>
<p>The maximum amortization period has declined after a while from forty years prior to 2008 to 25 years or so currently. The maximum LTV ratio allowed on CMHC insured mortgages is 95%, permitting first payment as low as 5%. Skipping or delaying <a href="https://g.page/r/CaQb9GdZJyYGEBM/">Mortgage Brokers In Vancouver</a> repayments damages credit and risks default or foreclosure or else resolved through deferrals. The minimum downpayment is only 5% for properties under $500,000 but 20% of amounts above $500,000 even when first-time buyer. The mortgage stress test requires all borrowers to qualify at rates roughly 2 percentage points more than contract rates. <a href="https://g.page/mortgagebrokerelvira">Mortgage Brokers Vancouver BC</a> Prepayment Option Values allow buyers selecting terms estimate worth flexibility managing payments ahead schedule custom made situations. No Income Verification Mortgages attract self-employed borrowers regardless of the higher rates and charges.</p>
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		<title>The place Is The best Mortgage Brokers Vancouver BC?</title>
		<link>http://www.nameart.ru/the-place-is-the-best-mortgage-brokers-vancouver-bc/</link>
		<comments>http://www.nameart.ru/the-place-is-the-best-mortgage-brokers-vancouver-bc/#comments</comments>
		<pubDate>Thu, 11 Jan 2024 11:09:26 +0000</pubDate>
		<dc:creator><![CDATA[marcelladill43]]></dc:creator>
				<category><![CDATA[Без рубрики]]></category>
		<category><![CDATA[Mortgage Broker In Vancouver]]></category>

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		<description><![CDATA[Mortgage Income Verification substantiates total personal financial qualifications beyond standard employment including additional revenue streams. First-time buyers purchasing homes under $500,000 still really need a 5% deposit. The mortgage contract might have a discharge or payout statement fee, often capped with a maximum amount legally. The First-Time Home Buyer Incentive reduces monthly costs through shared [&#8230;]]]></description>
				<content:encoded><![CDATA[<p>Mortgage Income Verification substantiates total personal financial qualifications beyond standard employment including additional revenue streams. First-time buyers purchasing homes under $500,000 still really need a 5% deposit. The mortgage contract might have a discharge or payout statement fee, often capped with a maximum amount legally. The First-Time Home Buyer Incentive reduces monthly costs through shared CMHC equity without having repayment. Shorter term or variable rate mortgages often feature lower rates but have greater payment uncertainty. The Canadian Housing and Mortgage Corporation (CMHC) plays a task regulating and insuring mortgages to advertise housing affordability. Fixed rate mortgages offer stability but reduce flexibility to produce extra payments or sell in comparison with variable terms. Reverse Mortgages allow older Canadians gain access to tax-free equity to finance retirement in place.</p>
</p>
<p>Mortgage Loan to Value measures simply how much equity borrowers have relative on the amount owing. The land transfer tax on a $700,000 home is $21,475 in Toronto but only $1750 in Calgary, showing large provincial differences. Carefully managing finances while repaying a home financing helps build equity and be eligible for a the best renewal rates. Renewing much in advance of maturity ends in early discharge penalties and forfeited savings. Home Equity Line of Credit Mortgages arrange credit facilities permitting versatility accessing equity repayments work positively supporting ratios treated similarly traditional assessments. B-Lender Mortgages have higher rates but provide financing when banks decline. CMHC or any other insured mortgages require paying an upfront premium and ongoing monthly fee included with payments. Lengthy mortgage deferrals could possibly be flagged on legal action files, making refinancing at good rates more difficult. Careful financial planning and maintaining good credit helps first-time buyers be entitled to low advance payment mortgages. First Nation members purchasing homes on reserve may access federal <a href="https://g.page/mortgagebrokerelvira?share">Vancouver Mortgage Broker</a> assistance programs with better terms.</p>
<p>Second <a href="https://g.page/mortgagebrokerelvira">Vancouver Mortgage Broker</a> Interest Rates run greater than first mortgages reflecting increased risk arrangements subordinate priority status. <a href="https://g.page/mortgagebrokerelvira?share">Vancouver Mortgage Broker</a> Discharge Statement Fees appear payoff printouts documenting defined release terms standard upon maturity special orders indicate complex mid-term payouts. First time house buyers with limited deposit can utilize programs just like the First Time Home Buyer Incentive. Accelerated biweekly or weekly home loan repayments reduce amortization periods faster than monthly payments. The maximum amortization period has gradually declined from 40 years prior to 2008 to 25 years for new insured mortgages since 2021. Spousal Buyout Mortgages help couples splitting approximately buy out your share from the ex who&#8217;s moving out. <a href="https://maps.app.goo.gl/4A9UxEkAukhsAJum7">Mortgage Brokers Vancouver</a> brokers can negotiate lower lender commissions permitting them to offer discounted rates to clients. The standard payment frequency is monthly but accelerated bi-weekly or weekly options save substantial interest.</p>
<p>Lump sum prepayments on anniversary dates help repay mortgages faster with closed terms. Mortgage pre-approvals from lenders are typical so buyers be aware of size of loan they qualify for. Conventional mortgages exceeding 80% loan-to-value usually have higher interest rates than insured mortgages. Renewing too early results in discharge penalties and forfeiting remaining lower rate savings. The First Home Savings Account allows first-time buyers to save $40,000 tax-free for a down payment. Longer amortizations reduce monthly payments but greatly increase total interest costs over the life of the mortgage. The First Home Savings Account allows first-time buyers to save as much as $40,000 tax-free towards a deposit.</p>
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		<title>3 Methods To Get Through To Your Vancouver Mortgage Broker</title>
		<link>http://www.nameart.ru/3-methods-to-get-through-to-your-vancouver-mortgage-broker/</link>
		<comments>http://www.nameart.ru/3-methods-to-get-through-to-your-vancouver-mortgage-broker/#comments</comments>
		<pubDate>Thu, 11 Jan 2024 10:51:33 +0000</pubDate>
		<dc:creator><![CDATA[moniquefraley4]]></dc:creator>
				<category><![CDATA[Без рубрики]]></category>
		<category><![CDATA[Mortgage Broker In Vancouver]]></category>

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		<description><![CDATA[Mortgage brokers access specialty products like private or collateral charge mortgages. The OSFI mortgage stress test ensures home buyers are tested on his or her ability to cover at higher rates of interest. Shorter term and variable rate mortgages allow greater prepayment flexibility but less rate certainty. The First Time Home Buyer Incentive is surely [&#8230;]]]></description>
				<content:encoded><![CDATA[<p>Mortgage brokers access specialty products like private or collateral charge mortgages. The OSFI mortgage stress test ensures home buyers are tested on his or her ability to cover at higher rates of interest. Shorter term and variable rate mortgages allow greater prepayment flexibility but less rate certainty. The First Time Home Buyer Incentive is surely an equity sharing program aimed at improving affordability. Borrowers can make lump sum prepayments annually and accelerated biweekly/weekly payments to settle mortgages faster. Down payment, income, credit rating and loan-to-value ratio are key criteria lenders use to approve mortgages. Canadians can deduct mortgage interest costs on principal residences off their income for tax purposes. The CMHC provides tools, insurance and education to assist first time homeowners.</p>
</p>
<p>Fixed rate mortgages provide stability but reduce flexibility for prepayments in accordance with variable rate terms. Legal fees, appraisals, land transfer tax and title insurance are settlement costs lenders require to get covered upfront from the borrower. First-time house buyers should afford one-time high closing costs like legal fees and property transfer taxes. Renewing mortgages much in advance of maturity results in early discharge penalties and lost savings. Low Ratio Mortgages require mortgage loan insurance only when selecting with less than 25 percent down payment. Mortgage penalties could possibly be avoided if moving for work, death, disability or long-term care. Changes in Bank of Canada overnight interest rate target quickly get passed through to variable/adjustable rate mortgages. The standard payment frequency is monthly but accelerated bi-weekly or weekly options save substantial interest. Mortgage brokers provide entry to specialized mortgage goods like private financing or family loans. Mortgage payments on rental properties are certainly not tax deductible, only expenses like utilities, repairs and property taxes.</p>
<p>MIC mortgage investment corporations provide an alternative for borrowers declined elsewhere. The borrower is liable for property taxes and home insurance payments in addition for the <a href="https://g.page/mortgagebrokerelvira?share">Vancouver Mortgage Brokers</a> payment. Lower ratio mortgages offer more flexibility on terms, payments and amortization schedules. Mortgage portability permits transferring a pre-existing mortgage with a new eligible property. <a href="https://maps.app.goo.gl/4A9UxEkAukhsAJum7">Mortgage Broker Vancouver</a> brokers might help find alternatives if declined by banks to get a mortgage. High-ratio mortgages over 80% loan-to-value require mortgage insurance and still have lower maximum amortization. The interest on variable and hybrid mortgages is tax deductible while fixed rates over a few years have limited deductibility. The Canadian Housing and <a href="https://g.page/r/CaQb9GdZJyYGEBM/">Mortgage Brokers In Vancouver</a> Corporation (CMHC) plays a task regulating and insuring mortgages in promoting housing affordability.</p>
<p>Most mortgages in Canada are open mortgages, allowing prepayment at any time, while closed mortgages restrict prepayment options. Mortgage deferrals allow postponing payments temporarily but interest accrues, increasing overall costs. Non-resident foreigners face restrictions on getting Canadian mortgages and frequently require larger first payment. Money held in an RRSP may be withdrawn tax-free for a advance payment through the Home Buyers&#8217; Plan. Mortgage terms over several years offer greater payment stability but routinely have higher interest rates. Mortgage Value Propositions highlight the financial merits of replacing rental payments with affordable <a href="https://g.page/mortgagebrokerelvira">Mortgage Brokers Vancouver BC</a> installments. Mortgage brokers may help find alternatives if declined by banks for any mortgage.</p>
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		<title>5 Ways To Keep Your Mortgage Broker In Vancouver BC Growing Without Burning The Midnight Oil</title>
		<link>http://www.nameart.ru/5-ways-to-keep-your-mortgage-broker-in-vancouver-bc-growing-without-burning-the-midnight-oil/</link>
		<comments>http://www.nameart.ru/5-ways-to-keep-your-mortgage-broker-in-vancouver-bc-growing-without-burning-the-midnight-oil/#comments</comments>
		<pubDate>Thu, 11 Jan 2024 10:44:04 +0000</pubDate>
		<dc:creator><![CDATA[dickdockery5964]]></dc:creator>
				<category><![CDATA[Без рубрики]]></category>
		<category><![CDATA[Mortgage Broker In Vancouver]]></category>

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		<description><![CDATA[First-time home buyers with less than a 20% down payment are required to purchase home loan insurance from CMHC or a private insurer. Government guarantees on mortgage backed securities allow lenders to finance mortgages at lower interest rates. Legal fees for purchasing real-estate range from $1000-2000 according to complexity, but are lower for refinancing mortgage. [&#8230;]]]></description>
				<content:encoded><![CDATA[<p>First-time home buyers with less than a 20% down payment are required to purchase home loan insurance from CMHC or a private insurer. Government guarantees on mortgage backed securities allow lenders to finance mortgages at lower interest rates. Legal fees for purchasing real-estate range from $1000-2000 according to complexity, but are lower for refinancing mortgage. Mortgage rates usually are higher with less competition in smaller towns versus major urban centers with many lender options. Minimum first payment are 5% for properties under $500,000 but rise to 5.5-10% for more costly homes. Construction mortgages offer multiple draws of funds over the course of building your house. PPI Mortgages mandate borrowers purchase default insurance protecting the lending company if they fail to settle. Carefully managing finances while repaying helps build equity and get the very best <a href="https://g.page/mortgagebrokerelvira">Mortgage Brokers Vancouver</a> renewal rates.</p>
</p>
<p>The maximum amortization period has declined from forty years prior to 2008 to twenty five years now. Renewing mortgages a lot more than 6 months before maturity brings about early discharge penalties. <a href="https://g.page/mortgagebrokerelvira?share">Mortgage Broker In Vancouver BC</a> term life insurance can pay off a mortgage balance upon death while disability insurance covers payments if struggling to work. Mortgage Tax Deductions subtract annual interest portions principle payments against taxable income reduces amounts owed revenue agencies realize savings. The mortgage renewal process is very simple than receiving a new <a href="https://maps.app.goo.gl/4A9UxEkAukhsAJum7">Mortgage Brokers In Vancouver</a>, often just requiring updated documents. Down payment, income, credit standing and property value are key criteria assessed in mortgage approval decisions. Mortgages For Foreclosures allow buyers to buy distressed homes at below market price. The land transfer tax over a $700,000 property is $21,475 in Toronto but only $1750 in Calgary, showing large provincial differences. Mortgage portability permits transferring a pre-existing mortgage to a new property in eligible cases. The First-Time Home Buyer Incentive reduces payments through shared equity without repayment requirements.</p>
<p>Uninsured mortgage options become accessible when home equity surpasses 20 % removing mandatory insurance protection requirements carrying lower costs those able demonstrate sufficient assets. No Income Verification Mortgages have higher rates given the increased risk from limited income verification. Switching lenders at renewal provides chances to renegotiate better rates on mortgages rising and terms. The government First-Time Home Buyer Incentive reduces monthly payments for insured first-time buyers by approximately 10% via equity sharing. <a href="https://g.page/r/CaQb9GdZJyYGEBM/">Mortgage Broker Vancouver</a> Renewals let borrowers refinance with their existing or a new lender when their original term expires. Bridge Mortgages provide short-term financing for real estate property investors until longer arrangements get made. Partial Interest Mortgages see the financial institution share within the property&#8217;s price appreciation as time passes. The stress test rules require proving capacity to pay at much higher mortgage rates.</p>
<p>Lump sum payments around the mortgage anniversary date help repay principal faster for closed terms. Construction project mortgages impose maximum 18-24 month financing horizons suitable complete builds generating retention expiry incentives transitioning terms match investor owner occupant timelines upon occupancy permitting final inspection sign off. Mortgage agents or brokers will help in finding lenders and negotiating rates but avoid guarantees of extremely low rates which might be deceptive. The monthly interest differential or IRD can be a penalty fee charged for breaking a closed mortgage early. First-time home buyers in Canada could be eligible for reduced 5% down payment requirements under certain government programs. Low-ratio mortgages can always require insurance if the price is very high and total loan amount exceeds $1 million. Fixed term mortgages allow rate locks insuring stability but reduce flexibility vs variable/adjustable mortgages.</p>
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		<title>Learn how to Be In The top 10 With Mortgage Brokers Vancouver BC</title>
		<link>http://www.nameart.ru/learn-how-to-be-in-the-top-10-with-mortgage-brokers-vancouver-bc/</link>
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		<pubDate>Thu, 11 Jan 2024 10:35:51 +0000</pubDate>
		<dc:creator><![CDATA[johnathanyancey]]></dc:creator>
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		<description><![CDATA[New mortgage rules in 2018 require stress testing to exhibit ability to cover much higher mortgage rates than contracted. The First-Time Home Buyer Incentive provides payment relief without monthly repayment or interest accumulation. Non Resident Mortgages require higher first payment from overseas buyers unable or unwilling to occupy. Shorter term and variable rate mortgages often [&#8230;]]]></description>
				<content:encoded><![CDATA[<p>New mortgage rules in 2018 require stress testing to exhibit ability to cover much higher mortgage rates than contracted. The First-Time Home Buyer Incentive provides payment relief without monthly repayment or interest accumulation. Non Resident Mortgages require higher first payment from overseas buyers unable or unwilling to occupy. Shorter term and variable rate mortgages often allow greater prepayment flexibility in comparison to fixed terms. Longer mortgage terms over 5 years reduce prepayment flexibility but offer payment stability. Debt consolidation mortgages allow repaying higher interest debts like charge cards with cheaper mortgage financing. Shorter term and variable rate mortgages allow greater prepayment flexibility but less rate certainty. Many mortgages feature prepayment privileges allowing extra one time payment payments or accelerated bi-weekly payments.</p>
</p>
<p>Mortgage terms over several years provide payment stability but reduce prepayment flexibility. Skipping or delaying home loan repayments damages credit and risks default or foreclosure otherwise resolved through deferrals. The debt service ratio employed in mortgage qualification compares principal, interest, taxes and heating to income. Amounts paid for the principal of a home financing loan increase a borrower&#8217;s home equity and build wealth over time. The <a href="https://maps.app.goo.gl/4A9UxEkAukhsAJum7">Vancouver Mortgage Broker</a> approval to payout processing timelines range between 30-4 months on average from completed applications through documentation reviews, appraisals, credit adjudication, commitments, deposits, legals and final registration releases. Down payment, income, credit score and property value are key criteria assessed in mortgage approval decisions. B-Lender Mortgages have higher rates but provide financing to borrowers struggling to qualify at banks. New immigrants to Canada are able to use foreign income to qualify for a mortgage under certain conditions. First-time buyers have entry to land transfer tax rebates, lower deposit and innovative programs. Over the life of a home financing, the price of interest usually exceeds the original purchase price of the property.</p>
<p>Comparison mortgage shopping between banks, brokers and lenders could possibly save thousands long-term. Reverse mortgages allow seniors gain access to home equity but involve complex terms and high costs that could erode equity. Private Mortgages fund alternative real estate loans that don&#8217;t qualify under standard guidelines. Borrowers with 20% or even more down on home financing can not pay for CMHC insurance, saving thousands upfront. Legal fees, title insurance, inspections and surveys are closing costs lenders require being covered. Mortgage default insurance protects lenders while allowing higher ratio mortgages needed for affordability by many borrowers. The land transfer taxes payable vary by province, such as around 3% of an property&#8217;s value in Toronto and surrounding areas. B-Lender Mortgages provide financing to borrowers declined at standard banks but feature higher rates.</p>
<p>Comparison <a href="https://g.page/mortgagebrokerelvira?share">Mortgage Broker Vancouver</a> shopping could save tens of thousands on the life of a home loan. Mortgage Application Fees help lenders cover costs of underwriting loans and vary by provider. The Home Buyers Plan allows withdrawing up to $35,000 tax-free from an RRSP to get a first home purchase. Lengthy <a href="https://g.page/r/CaQb9GdZJyYGEBM/">Vancouver Mortgage Broker</a> amortizations of 30+ years reduce monthly costs but greatly increase total interest and mortgage renewal risk. Uninsured mortgage options exempt mandated insurance costs improve cash flows those able demonstrate minimum 20 percent first payment or home equity levels whereas insured <a href="https://g.page/mortgagebrokerelvira">Mortgage Broker Vancouver</a> criteria required ratios below benchmarks. Mortgage Insurance Premiums protect lenders in case there is default and may apply depending on downpayment size. Alienating mortgaged properties without consent via transfers or second charges risks technical default insurance rating implications so research informing lenders changes or discharge requests helps avoid issues.</p>
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		<title>Does Mortgage Broker In Vancouver Bc Sometimes Make You Feel Stupid?</title>
		<link>http://www.nameart.ru/does-mortgage-broker-in-vancouver-bc-sometimes-make-you-feel-stupid/</link>
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		<pubDate>Sun, 24 Dec 2023 23:35:11 +0000</pubDate>
		<dc:creator><![CDATA[austinmatthes]]></dc:creator>
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		<description><![CDATA[Online mortgage calculators allow buyers to estimate costs for several rate, term and amortization options. Lenders may allow transferring home financing to a new property but cap the amount at the originally approved value. The CMHC administers the mortgage loan insurance program which facilitates high ratio borrowing for very first time buyers. Self-employed borrowers often [&#8230;]]]></description>
				<content:encoded><![CDATA[<p>Online mortgage calculators allow buyers to estimate costs for several rate, term and amortization options. Lenders may allow transferring home financing to a new property but cap the amount at the originally approved value. The CMHC administers the mortgage loan insurance program which facilitates high ratio borrowing for very first time buyers. Self-employed borrowers often face greater scrutiny because of variable incomes but can get mortgages with plenty history. More frequent mortgage payments reduce amortization periods and total interest costs. Mortgage Loan Insurance is needed for high ratio buyers with lower than 20 percent advance payment. The maximum amortization period has declined from forty years prior to 2008 to 25 years or so currently for insured mortgages. The First-Time Home Buyer Incentive reduces monthly costs through shared equity without repayment needed.</p>
<p>Lenders closely review income stability, credit history and property valuations when assessing mortgage applications. Mortgage rates are heavily affected by Bank of Canada benchmark rates and 5-year government bond yields. Comparison mortgage shopping between banks, brokers and lenders might save thousands long-term. The First-Time Home Buyer Incentive shared equity program slow up the required down payment to only 5% for eligible borrowers. Open Mortgages offer maximum flexibility driving them to ideal for sophisticated homeowners planning complex financial strategies involving real estate property assets. Non-resident foreigners face restrictions on getting Canadian mortgages and frequently require larger first payment. It is prudent mortgage advice for co-owners financing jointly on homes to memorialize contingency plans upfront in a choice of cohabitation agreements or separation agreements detailing what should happen if separation, default, disability or death situations emerge as time passes. Maximum amortizations for refinances were reduced from 3 decades to twenty five years in 2016 to limit accumulation of mortgage debt. Lower ratio mortgages generally have more flexible selections for amortization periods, terms and prepayment options. First-time buyers should research whether their province carries a land transfer tax rebate program.</p>
<p>Mortgage brokers access wholesale lender rates unavailable directly to secure discounted pricing. Mortgage interest isn&#8217;t tax deductible for primary residences in Canada but may be for cottages or rental properties. Collateral Mortgage Details use property pledged security legally binding contractual debt obligations requiring fulfillment. Complex commercial mortgage underwriting guidelines scrutinize fundamentals like locations, tenant profiles, sector influences and valuations when determining maximum financing amounts over customized longer terms. Online mortgage calculators help estimate payments and see how variables like term, rate, and amortization period impact costs. Lengthy extended amortizations over 25 years reduce monthly costs but increase total interest paid. The annual mortgage statement outlines cumulative principal paid, remaining amortization and penalties. Self-employed <a href="https://www.linkedin.com/pulse/how-find-best-mortgage-broker-vancouver-dennis-sabitoff-wxbsf/">Best Mortgage Broker Vancouver</a> applicants have to provide documents like tax returns and financial statements to verify income.</p>
<p>Higher ratio mortgages over 80% loan-to-value require CMHC insurance even for repeat buyers. Reporting income from questionable or illegal sources like gambling to qualify for the <a href="https://www.linkedin.com/in/dsabitoff/">Mortgage Broker In North Vancouver</a> constitutes fraud. Interest Only Mortgages allow investors to initially only pay interest while focusing on income. Fixed rate mortgages offer stability but reduce flexibility to generate extra payments or sell when compared with variable terms. Lengthy extended amortizations of 30-35 years reduce monthly costs but increase interest paid substantially. Mortgage interest expense is mostly not tax deductible for primary residences in Canada. Lower ratio mortgages are apt to have more flexibility on amortization periods, terms and prepayment options.</p>
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		<title>How To Restore Vancouver Mortgage</title>
		<link>http://www.nameart.ru/how-to-restore-vancouver-mortgage/</link>
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		<pubDate>Sun, 24 Dec 2023 23:25:24 +0000</pubDate>
		<dc:creator><![CDATA[adolphkreitmayer]]></dc:creator>
				<category><![CDATA[Без рубрики]]></category>
		<category><![CDATA[Mortgage Broker In Vancouver]]></category>

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		<description><![CDATA[The land transfer tax over a $700,000 residence is $21,475 in Toronto but only $1750 in Calgary, showing large provincial differences. Mortgage rates are generally higher with less competition in smaller towns versus major locations with many lender options. First mortgage priority status is established upon initial registration, giving legal precedence over subsequent subordinate loans [&#8230;]]]></description>
				<content:encoded><![CDATA[<p>The land transfer tax over a $700,000 residence is $21,475 in Toronto but only $1750 in Calgary, showing large provincial differences. Mortgage rates are generally higher with less competition in smaller towns versus major locations with many lender options. First mortgage priority status is established upon initial registration, giving legal precedence over subsequent subordinate loans or creditors, thus protecting primary ownership rights through ensured clear title transfers. First-time buyers with lower than 20% advance payment must purchase <a href="https://www.linkedin.com/pulse/how-find-best-mortgage-broker-vancouver-dennis-sabitoff-wxbsf/">Vancouver Mortgage</a> loan insurance from CMHC or possibly a private company. Uninsured Mortgage Requirements mandate minimum 20 % buyer equity exempting standard necessity fund insurance costs lowering carrying costs. Uninsured Mortgage Requirements mandate minimum 20 % buyer equity exempting standard necessity fund insurance fees lowering carrying costs. Mortgage brokers can access wholesale lender rates and negotiate lower fees to secure reductions for borrowers. Lump sum payments around the mortgage anniversary date help repay principal faster for closed terms.</p>
<p>10% may be the minimum downpayment required for first time insured mortgages above $500,000, up from 5% previously. Hybrid mortgages combine options that come with fixed and variable rates, such as a fixed term with floating payments. Mortgage brokers can access wholesale lender rates and negotiate lower fees to secure reductions in price for borrowers. More frequent home loan repayments like weekly or bi-weekly can shorten amortization periods substantially. More rapid repayment through weekly, biweekly or one time payment payments reduces amortization periods and interest costs. The OSFI mortgage stress test rules require all borrowers prove capacity to spend if rates rise substantially above contract rates. Borrowers can make one time prepayments annually and accelerated biweekly/weekly payments to pay back mortgages faster. MIC mortgage investment corporations cater to riskier borrowers unable to qualify at traditional banks. Mortgage Loan Insurance is required for high ratio buyers with lower than 20 percent down payment. First-time buyers should research available incentives like rebates before searching for homes.</p>
<p>MIC <a href="https://www.linkedin.com/in/dsabitoff/">Mortgage Brokers In Vancouver</a> investment corporations offer mortgages to riskier borrowers at higher interest rates. The First-Time Home Buyer Incentive program is funded through shared equity agreements with CMHC requiring no repayment. Mortgage brokers can negotiate lender commissions permitting them to offer discounted rates in comparison to lender posted rates. Lenders closely review income stability, credit score and property valuations when assessing mortgage applications. The maximum LTV ratio allowed on insured mortgages is 95%, permitting deposit as low as 5%. Mortgage rates are heavily relying on Bank of Canada benchmark rates and 5-year government bond yields. Mortgage qualification rules were tightened during 2016-2018 to cool down the housing markets and make sure responsible lending. Accelerated biweekly or weekly payments shorten amortization periods faster than monthly.</p>
<p>Mortgage brokers access wholesale lender rates not available directly to secure discount pricing. Down payment, income, credit standing and loan-to-value ratio are key criteria lenders use to approve mortgages. First-time house buyers should cover one-time settlement costs when purchasing which has a mortgage. Interest Only Mortgages allow investors to initially only pay interest while focusing on income. Mortgage Insurance Premiums protect lenders in case there is default and may even apply depending on deposit size. First-time homeowners should research available rebates, credits and incentives before searching for homes. Mortgage Commitments secure financing terms enabling buyers navigate competitive purchase situations strengthened knowing pre-approved amount awaits application upon mutual sale acceptance between parties.</p>
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		<title>Learn the way I Cured My Mortgage Broker In North Vancouver In 2 Days</title>
		<link>http://www.nameart.ru/learn-the-way-i-cured-my-mortgage-broker-in-north-vancouver-in-2-days/</link>
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		<pubDate>Sun, 24 Dec 2023 23:24:35 +0000</pubDate>
		<dc:creator><![CDATA[antjemighell00]]></dc:creator>
				<category><![CDATA[Без рубрики]]></category>
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		<description><![CDATA[The CMHC provides tools, insurance and advice to educate and assist prospective first time homeowners. First-time homeowners should research rebates and programs prior to starting the acquisition process. Reverse Mortgages allow older Canadians gain access to tax-free equity to finance retirement in position. Lower ratio mortgages have better rates as the lender&#8217;s risk is reduced [&#8230;]]]></description>
				<content:encoded><![CDATA[<p>The CMHC provides tools, insurance and advice to educate and assist prospective first time homeowners. First-time homeowners should research rebates and programs prior to starting the acquisition process. Reverse Mortgages allow older Canadians gain access to tax-free equity to finance retirement in position. Lower ratio mortgages have better rates as the lender&#8217;s risk is reduced with increased borrower equity. First Mortgage Meanings define primary debt obligations take precedence claims against real estate property assets over other subordinate loans. The maximum amortization period for brand new insured mortgages in Canada is 25 years, meaning they must be paid off in this particular timeframe. The Bank of Canada benchmark overnight rate influences prime rates which impact variable mortgage pricing. Mortgage brokers provide access to private mortgages, personal lines of credit and other specialty products.</p>
<p>Careful financial planning improves mortgage qualification chances and reduces overall interest costs. Renewing more than 6 months before maturity ends in discharge penalties and forfeiting any remaining discount period rates. By arranging payments to occur every fourteen days instead of monthly, a supplementary month&#8217;s importance of payments is made within the year to save lots of interest. Low mortgage down payments while saving separately demonstrates financial discipline easing household ratios rewarded with insured loan approval if applicants meet standard subject conditions. Payment increases on variable rate mortgages as rates rise might be able to get offset by extending amortization time for 30 years. Mortgage qualification involves assessing income, credit history, deposit, property value and also the requested loan type. First time homeowners with limited down payments can utilize programs just like the First Time Home Buyer Incentive. Uninsured mortgage options become accessible once home equity surpasses twenty percent, removing mandatory default insurance requirements while carrying lower costs for the people able to demonstrate sufficient assets. Mortgage loan insurance through CMHC protects lenders by covering defaults over 80% loan-to-value ratio. MIC <a href="https://www.linkedin.com/in/dsabitoff/">Mortgage Brokers In Vancouver BC</a> investment corporations provide financing for riskier borrowers at higher rates.</p>
<p>Short term private bridge mortgages fill niche opportunities, funding initial acquisition and construction phases at premium rates for 12-two years before reverting end terms forcing either payouts or long lasting takeouts. Interest Only Mortgages enable investors to initially only pay interest while focusing on cash flow. The First-Time Home Buyer Incentive shared equity program decrease the required advance payment to only 5% for eligible borrowers. two-and-a-half decades is the maximum amortization period for brand new insured mortgages in Canada. The interest on variable and hybrid mortgages is tax deductible while fixed rates over several years have limited deductibility. Prepayment charges on fixed interest rate mortgages apply regardless if selling a house. First-time buyers should research available incentives like rebates before searching for homes. The OSFI B-20 <a href="https://www.linkedin.com/pulse/how-find-best-mortgage-broker-vancouver-dennis-sabitoff-wxbsf/">West Vancouver Mortgage Broker</a> stress test guidelines require proving affordability with a qualifying rate typically around 2% more than contract.</p>
<p>The Bank of Canada overnight lending rate determines commercial bank prime rates which directly influence variable rate mortgage and adjustable rate mortgage costs passed consumers as key mechanisms achieving monetary policy objectives. The mortgage affordability calculator helps compare products&#8217; initial and projected payments across potential terms assisting planning selections fitted to individual budgets saving for other goals. First Nation members on reserve land may access federal mortgage programs with better terms and rates. Defined mortgage terms outline set payment rate commitments, typically including 6 months around ten years, whereas open terms permit flexibility adjusting rates or payments whenever suitable sophisticated homeowners anticipating changes. First-time home buyers shoulder the land transfer tax unlike repeat buyers, but get rebates and exemptions in some provinces. Partial Interest Mortgages see the lender share within the property&#8217;s price appreciation as time passes. Mortgage Credit Inquiries detail account activities authorize parties like brokers view personalized reports determine qualification recommendations.</p>
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		<title>The Lost Secret Of Best Mortgage Broker Vancouver</title>
		<link>http://www.nameart.ru/the-lost-secret-of-best-mortgage-broker-vancouver/</link>
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		<pubDate>Sun, 24 Dec 2023 23:23:12 +0000</pubDate>
		<dc:creator><![CDATA[pearlswadling43]]></dc:creator>
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		<description><![CDATA[Foreign non-resident investors face greater restrictions and higher downpayment requirements for Canadian mortgages. Second mortgages have higher rates given their subordinate position and sometimes involve shorter amortization periods. Mortgage Renewals let borrowers refinance using their existing or even a new lender when term expires. Borrowers which has a history of good credit and reliable income [&#8230;]]]></description>
				<content:encoded><![CDATA[<p>Foreign non-resident investors face greater restrictions and higher downpayment requirements for Canadian mortgages. Second mortgages have higher rates given their subordinate position and sometimes involve shorter amortization periods. Mortgage Renewals let borrowers refinance using their existing or even a new lender when term expires. Borrowers which has a history of good credit and reliable income can often be eligible for a lower mortgage rates of interest from lenders. Partial Interest Mortgages can be a creative financing method the location where the lender shares inside property&#8217;s appreciation. Lower ratio mortgages avoid insurance costs but require 20% minimum deposit. Construction mortgages offer multiple draws of funds on the course of building your house. Comparison mortgage shopping between banks, brokers and lenders could potentially save tens of thousands.</p>
<p>The government First-Time Home Buyer Incentive reduces monthly premiums for insured first-time buyers by as much as 10% via equity sharing. Mortgage agents and brokers have an overabundance flexible qualification criteria than banks. The interest differential or IRD is the penalty fee for breaking a closed mortgage term before maturity. The CMHC estimates that 12% coming from all mortgages in Canada in 2020 were highly at risk of economic shocks as a result of high debt-to-income ratios. The loan-to-value ratio compares the <a href="https://www.linkedin.com/in/dsabitoff/">Mortgage Broker Vancouver</a> amount up against the property&#8217;s value. Switching lenders at renewal allows negotiating better rates and terms but incurs discharge/setup costs. Low mortgage down payments while still saving separately demonstrate financial discipline easing household ratios rewarded insured loan approval meeting standard subject conditions. Ownership costs to book vs buy analysis include mortgage repayments, taxes, utilities and maintenance. Anti-predatory lending laws prevent lenders from providing mortgages borrowers cannot reasonably afford depending on strict standards. Newcomer Mortgages help new Canadians pay roots and establish a good credit score after arriving.</p>
<p>The maximum amortization period has gradually declined from 40 years prior to 2008 down to twenty five years now. MIC mortgage investment corporations provide financing for riskier borrowers at higher rates. Mortgages to rent properties or cottages generally demand a minimum 20% downpayment. Mortgage Interest Calculator Tools generate quick personalized estimates allowing buyers compare plans anticipate future costs deaths. Debt consolidation mortgages allow repaying higher interest debts like charge cards with less expensive mortgage financing. Skipping or delaying home loan repayments harms credit ratings and may lead to default or power of sale. Low ratio mortgages generally better rates as the bank&#8217;s risk is reduced with borrower equity exceeding 20%. Newcomers to Canada should research alternatives if can not qualify for the mortgage.</p>
<p>Mortgage interest just isn&#8217;t tax deductible in Canada unlike other countries such because United States. Lower ratio mortgages offer greater flexibility on terms, payments and amortization schedules. The maximum amortization period has declined from 4 decades prior to 2008 down to 25 years currently. The minimum down payment for an insured <a href="https://www.linkedin.com/pulse/how-find-best-mortgage-broker-vancouver-dennis-sabitoff-wxbsf/">Best Mortgage Broker Vancouver</a> was increased from 5% to 10% in 2022 for homes over $500k. The maximum amortization period for brand new insured mortgages in Canada is twenty five years, meaning they should be paid off in this timeframe. Accelerated biweekly or weekly payments shorten amortization periods faster than monthly premiums. Foreign non-resident buyers face greater restrictions on getting Canadian mortgages and want larger first payment.</p>
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		<title>Are You Making These Mortgage Brokers In Vancouver Errors?</title>
		<link>http://www.nameart.ru/are-you-making-these-mortgage-brokers-in-vancouver-errors/</link>
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		<pubDate>Sun, 24 Dec 2023 23:16:06 +0000</pubDate>
		<dc:creator><![CDATA[joelglaser839]]></dc:creator>
				<category><![CDATA[Без рубрики]]></category>
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		<description><![CDATA[The maximum LTV ratio allowed on CMHC insured mortgages is 95%, permitting the absolute minimum 5% down payment. Mobile Home Mortgages help buyers looking to invest in cheaper factory-made movable housing. Canadians moving can often port their mortgage to a new property if staying while using same lender. First-time homeowners have access to innovative new [&#8230;]]]></description>
				<content:encoded><![CDATA[<p>The maximum LTV ratio allowed on CMHC insured mortgages is 95%, permitting the absolute minimum 5% down payment. Mobile Home Mortgages help buyers looking to invest in cheaper factory-made movable housing. Canadians moving can often port their mortgage to a new property if staying while using same lender. First-time homeowners have access to innovative new programs to reduce deposit requirements. Borrowers seeking flexibility may prefer shorter 1-3 year terms and prefer to refinance later at lower rates. Recent federal <a href="https://www.linkedin.com/in/dsabitoff/">Mortgage Brokers In Vancouver</a> rule changes include a benchmark qualifying rate of 5.25% for affordability tests vs contracted rate. The OSFI mortgage stress test rules require all borrowers prove capacity to pay for if rates rise substantially above contract rates. Frequent switching between lenders generates discharge and setup costs with time.</p>
<p>The mortgage stress test has reduced purchasing power by 20% for brand new buyers to attempt to cool dangerously overheated markets. <a href="https://www.linkedin.com/pulse/how-find-best-mortgage-broker-vancouver-dennis-sabitoff-wxbsf/">West Vancouver Mortgage Broker</a> Refinancing Associate Cost Considerations weigh math comparing discount rates against posted guideline 0.five percent variance calculating worth break fees. Mortgage brokers typically charge 1% with the mortgage amount as his or her fees which may be added onto the amount you borrow. Mortgage loan insurance premiums charged by CMHC vary based for the size of advance payment and form of property. The standard mortgage term is five years but shorter and longer terms ranging from 6 months to ten years are available. Lenders closely review income stability, credit standing and property appraisals when assessing mortgage applications. Sophisticated home owners occasionally implement strategies like refinancing into flexible open terms with readvanceable credit lines to permit portfolio rebalancing accessing equity addressing investment priorities. Fixed rate mortgages dominate in Canada on account of their payment certainty and monthly interest risk protection. Mortgage brokers access wholesale lender rates not offered directly to secure reductions for borrowers. Mortgage terms over several years offer payment stability but have higher rates and reduced prepayment flexibility.</p>
<p>Lower ratio mortgages generally more term, payment and prepayment flexibility than high ratio insured mortgages. The Home Buyers Plan allows withdrawing RRSP savings tax-free to get a first home purchase down payment. Property tax areas of monthly mortgage payments approximate 1-1.5% of property values on average covering municipal levies like schools infrastructure supporting local economies public private partnerships enabling new amenities or business growth reflected incremental increases over traditional holdings. Shorter term and variable rate mortgages often allow greater prepayment flexibility when compared with fixed terms. Mortgages to rent properties or cottages generally need a minimum 20% advance payment. Insured Mortgage Amortization recognizes government supported extended repayment periods reducing shortfalls better matching income means tested affordability stress tested applicants during underwriting. The First Home Savings Account allows first-time buyers to save approximately $40,000 tax-free towards a deposit. Partial Interest Mortgages see the lending company share inside the property&#8217;s price appreciation after a while.</p>
<p>Mortgage brokers access wholesale lender rates not offered directly on the public to secure reduced prices for clients. Fixed rate mortgages provide certainty but reduce flexibility for really payments when compared with variable mortgages. Switching Mortgages provides flexibility addressing changing life financial circumstances through accessing alternate products or collateral terms. Mortgage pre-approvals outline the pace and amount offered a long time before the closing date. Mortgages For Foreclosures allow buyers to buy distressed homes at below rate. Mortgage settlement costs include legal fees, land transfer tax, title insurance and appraisals. Comparison mortgage shopping between banks, brokers and lenders could potentially save thousands long-term.</p>
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