深度解剖佛州买卖房产过户清单

Here is the link.

在2016年之前，全佛州只有一种形式的过户清单叫做HUD（SETTLEMENT STATEMENT）。但是由于政治原因（具体不甚了解），2016年之后发生了改革，过户清单改为了两种形式：对于现金房产交易我们始终称之为HUD;而对于贷款购买的交易改名为了CD(CLOSING STATEMENT)。大家可以根据自己的买卖情况对号入座。

🔹HUD只包含了房产交易中正常的过户费用，而CD 除了包含房产过户费用，还包括银行贷款收取买家的各种费用（评估费，行政费，信用调查费，保险费等）；

🔹对于卖家而言，HUD和CD 没有区别（除了格式不一样），数字完全一样；而买家就会有区别（是否包含银行费用）；

🔹HUD 和 CD 的清单格式不同（虽然内容相似）；

🔹CD的内容会比HUD来的更加繁琐，因为有银行费用的介入；

🔹除了清单以外，CD的过户文件更多（主要是银行方面），HUD只有正常的过户费用。

HUD示例图

CD示例图

合约里面所规定的

买卖双方的费用清单

卖方过户费用包括：（如上图所示）

▶政府过户税（Doc Stamp）

▶房主产权保险（Owner’s Policy and Charges可选择）

▶房产调查(Title Search，可选择）

▶房产抵押调查（Lien Search，可选择）

▶物业信息核实信（HOA Estoppel fees）

▶信息归档费和其他费用（Recording and other fees）

▶卖方过户律师费（Seller’s attorneys’ fees）

买方过户费用包括：（如上图所示）

▶贷款方面的归档费和税费（Taxes and recording fees on notes and mortgages）

▶产权归档费用（Recording fees for deedand financing statements）

▶房主产权保险（Owner’s Policy and Charges可选择）

▶房产土地文件（Survey and elevation certification,只有独栋和联排才会需要）

▶银行房产保险（Lender’s Title Policy and Endorsements）

▶物业申请费用（HOA/condo Association Application）

▶房产调查(Title Search，可选择）

▶房产抵押调查（Lien Search，可选择）

▶贷款花费（Loan Expenses）

▶房产评估费用（Appraisal Fees）

▶检房费用（Buyer’s Inspections）

▶买家过户律师费（Buyer’s Attorneys’ fees）

▶房产保险费用（All Property Related Insurance）

上文中标记红色字体和“可选择”的内容是关于房产产权调查的内容，产权调查费用到底谁来支付，是可以有选择性的。 合约规定：这些费用既可以是由卖家来支付，也可以由买家来支付；当然也可以双方来分开支付。（合约具体如何规定和选择，请见后文）

其他费用

除了以上的费用以外，还有一些费用数字会出现在过户清单里面

➡房产交易价格

➡第一笔定金和第二笔定金金额

➡今年房地产税的分配

➡卖家给到买家的优惠

➡买卖双方房产经纪人的佣金（只出现卖家栏中）

➡电子扫描和印刷费

➡资金转账银行手续费

谁来支付产权调查方面的费用

在上文提到，合约可以规定由哪一方来支付房产产权方便调查的费用。这点很多买家卖家都很少知道。（如上图所示）这是佛州标准版购房合约中对产权费用规定的条文

选项i: 卖家来指定过户公司并且支付所有产权方面的调查费用，包括产权保险，产权调查，房产抵押调查

选项ii:买家来指定过户公司并且支付所有产权方面的调查费用，包括产权保险，产权调查，房产抵押调查

选项iii:(也是目前最大众的选项）根据郡县规定，买家来指定过户公司并且购买产权保险；卖家来承担产权调查和房产抵押调查的费用。换句话说，买卖双方来不平均分摊这些花费。

南佛州房产花费费用预估

买房花费表格

卖房花费表格

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不想吃亏？ 三分钟帮你了解佛州购房合约细则

Here is the link.

对于大部分买家和卖家来说签署合约应该是最兴奋也是最紧张担心的时刻，客户在要买/卖房子的同时，对合约的不熟悉可能会使很多人小紧张一把。今天我们就请FTP团队的金牌房产经纪李梦超为大家详细解读一下二手房合约，帮助大家在最短的时间内去了解最重中之重的内容。

精读合约和精读一本书有共同之处，那就是遵循二八法则，意思是说一本书里面可能20%的内容是最重要的，它可能会涵盖80%的重点信息和文章要义。这点在购房合约中依然通用（虽然是英文版本，但是法则相同）。

佛州购房合约是由政府通过房产委员会所出台的统一购房合约，其中很多很多的条款内容都是政府约定俗成的东西，这部分就是前文所说的不那么重要的内容，里面包含了很多条款都已经确定了的条款，不管是谁签署协议，这些条款的内容不能被改变。通常这些条款是非黑即白的条款，为的是不产生歧义和模糊概念。所以像这种条款，我们没有必要去了解细则；而刨除固定条款之后剩下的就是我们需要详细了解的重要内容了，这部分内容是需要买卖双方商讨和填写的，也是今天我们要跟大家着重介绍的部分。

合约类型

佛州购房合约分为两个版本一个是CRSP 版本，另一个是 FAR BAR 版本。在目前的市场上，99%的交易合约会采用第二种 Far Bar 也就是As Is 的合约类型。

As Is 合约简单翻译过来是指：卖家卖的是现状下的房产，卖家有权利不对房子的现状负责；而买家有权利自行去检查房屋质量并决定是否要购买。 这种合约的好处是大大的缩短的购房时间和购房中因为房子状况达不成共识而造成的繁琐的步骤。

合约条款

由于买卖合约有固定的模板，所以这对我们了解合约内容提供了极大的便利，下面就让我们详细的解读一下合约中对于我们最重要的部分：

第1-2行——规定了买卖双方的名字。请注意这里一定是客户证件上的姓名。

第7-10行——对目标房产的信息进行描述，包括房产地址、所在郡县、法律描述等。

第15-23行——房屋内部什么是卖的，什么是不卖的。举例：一般情况下，与房屋墙体固定相连的东西，不容易移动的东西是包含在交易价格里的，包括但不限于冰箱，固定式微波炉，固定式烤箱，洗碗机，洗衣机，烘干机等。 什么是一般不带的呢？ 举例：窗帘，家具等可移动或者好移动的家具和家电。

第26-42行——这几行内容是整个合约的重中之重，包括了房产的价格、支付定金多少和时间点、过户公司的指定、贷款额度多少和过户当天余额。 其中定金一般情况下是分两次支付，支付到买家指定的第三方监管账户（属于过户公司），第一笔定金一般是合约开始后的48小时内支付金额$1000；第二笔定金是合约开始后的7-10天之内支付金额10%的房价。过户公司一般是由买家指定的。

第43-52行——对合约开始时间和结束时间的规定。一般情况下，是买家先签字递交这份合约给卖家并给与24-48小时考虑时间；对于现金交易25-30天即可完成，对于贷款交易45-60天即可完成。买卖双方可以根据此时间段并结合自身情况来定时间。

第81-124行——确定现金支付还是贷款。其中最重要的是81-87行，买家可以在这里选择是现金，还是贷款购买。如果是贷款，可以填写贷款种类（conventional，VA，FHA，可以咨询贷款律师），贷款利率大概是多少，贷款时长和确定贷款时间。

【温情提示】这里面需要注意的是确认贷款的时长，大众状况是买家要在30天内确定下来银行是否会确认贷款（loan approval）。如果30天内没有拿到贷款但是也没有通知卖家，那么买家违约，损失所有抵押金；如果30天内买家给出银行拒绝信的话，合约可以合理取消。如果30天内，银行没有完成审批，买家也可以申请延期。

第158-172行——约定谁来指定过户公司和支付相关产权调查的费用。一般情况下，是买家来指定过户经纪人，而产权方面的调查费用是卖家来支付。而过户费用是买家付买家的，卖家付卖家的。

【注意】即使是同在佛州，不同地区之间在这个费用支付方面也可能有所不同。

第248-289行——尽职调查的时长。尽职调查的时间一般是在7-10天，最多不超过15天，这段时间我也称之为反悔期。在规定时间内，客户可以请专业检房人士来对房子从里到外，从上到下做一个全面的房屋检查，包括屋顶，电力，家电，下水道和其他。 如果房屋状况不佳，可以和卖家沟通，看是否卖家同意承担一些大的维修或者降价，但是由于我们是 as is 的合约，卖家可以拒绝提供维修或降价。

【温情提示】个人建议：注重避轻。对于大的问题，一定要和卖家交涉，比如说屋顶漏水，电力系统老化，空调停止工作等；对于小的问题，只要是不影响使用的和可以简单搞定的问题，可以选择接受。但是不管是卖家维修还是降价，这个商讨过程必须要在指定的反悔期内提出来并且讨论。在反悔期外提出问题，卖家有权利不接受任何讨价还价。同时，在反悔期内，即使房屋问题不大，买家也可以单方面以任何理由撤销合约。

第569行——附属文件列表。在交易中，除了AS IS是主合同以外，还会需要一些附属合同来辅助双方协商条款。 这里的附属文件很多，但是常用的无非只有3-4个。

第571行——开放性附加条款，如果买卖双方想要商讨的内容不在合约范围内，那么可以由双方经纪人拟草在这里面。

如何签字

合约一共是12页，在每一页的左下角买家的简写名，右下角是卖家的简写名，在第12页最后一页除了签简写名，还需要在正文中签写全名。

简写名举例：假设卖家叫李晨光，那么按照英文写法应该是Chenguang Li, 简写名就是 CL；全名可以是Chenguang Li。

1008. Construct Binary Search Tree from Preorder Traversal

March 10, 2019

Introduction

It is a medium level algorithm. I spent 52 minutes to solve the problem. I need to look into the issue how to expedite my problem solving.

Think about all possible options

What I do is to find left child subarray start and end position, same as right child's start and end position.

What I calculate in the contest is the last index of left child subarray.

Here is the another idea to calculate the last index of left child. I saw the discussion link.

Hack a solution

Bonds | Using Debt to Invest

Here is the link.

1008. Construct Binary Search Tree from Preorder Traversal

March 9, 2019

Introduction 

It is a medium level tree algorithm. I learn a lesson today and I like to share what I learn. It is so much enjoyment that I find something to work on.

Performance

I wrote the solution in the weekly contest 127, and it took me 52 minutes. I came cross so many errors, stack overflow, and wrong results. I just could not believe that it took me so long.

After the contest, I checked ranking no. 1 - Neal wu's code, and it took him 3 minutes 16 seconds.

What makes huge difference? He just chose to use a list data structure instead of array. He just push the original list into two separate data structure.

I chose to use the array, avoid using extra space. And then there are two user cases. Left child is missing or not missing.

So in other words, it is mindset.

When I practiced tree algorithms last year, I had same issues; it took me over one hour to work on one tree algorithm using array and two indexes to specify subarray.

Source code

Here is the page to access ranking and source code.

Here is ranking No. 1 code for Leetcode 1008.


Here is my code.

Actionable Items

Now it is 3/9/2019 11:33 PM

I need to learn to use data structure to simplify the task, avoid tricky code with stack overflow, wrong answer, and extra user cases. It takes me a lot of time to debug the code in the contest.

Weekly contest 127

March 9, 2019

Introduction

It is my favorite weekly contest. I played the contest and I like to write a few words about my performance.

My performance

Here is my ranking.

Case study: 2005 citi bank credit card statements and my analysis

Open house visit

March 9, 2019

Introduction

It is my personal finance research. I have to push myself to go out to visit open house in the city of Surrey, and then I start to meet realtor and learn the city and real estate.

Open house

Here is the plan from 2:00 PM to 4:00 PM. I like to visit one or two open house in the city of Surrey.

I need to push myself to meet people, ask questions related to purchase, and also learn basics.

I do not want to buy high and sell low. Now I am waiting for the condo market correction, and the price should drop. I need to go out to learn the market.

209 - 7144 133b street, surrey, west newton   $239,000  2 PM - 4 PM

L102 - 13468 King George blvd, Surrey, BC   $329,000  1 PM - 3 PM

Case study: 2002 to 2006 citi bank credit card expenses

Case study: 2004 citi credit card statement analysis

March 9, 2019

Introduction

It is my personal finance research. I have to review my past expense based on citi credit card statement, and I like to find things to work on.

Case study

Here is the analysis I prepared and it took me more than two hours to prepare. I need to export those data from statements in pdf file to excel sheet first, and then extract dollar amount, and then add store and category, month and year.

My analysis

I am struggling to build wealth and grow rich. I cannot tell the investment opportunity last 9 years in the city of Vancouver. I rent a place all the time, but I do not find any motivation to go out to purchase rental property when the price is low from 2010 to 2016, city of Surrey, Colverdale, and Chilliwack.

Now my cash in Canada asset is first time high in $50,000 Canadian dollars. I need to push myself to learn how to invest early, and baby step, reduce the risk, and get more experience.

Case study: 2003 citi bank credit card statements and my analysis

March 9, 2019

Introduction

It is my personal finance research. I wonder why I am struggling in my personal finance, and I decide to work on personal finance research. One thing I have to do is to export all transaction from citi bank statements in pdf file to an excel sheet, and then extract the amount for each transaction, add Category column and store column, and then generate report.

Case study

Here is my 2003 citi credit card statement's analysis.

Open research

I am working on personal finance research. I like to find ideas how to analyze those data. Based on a few more facts, I can tell that there are a few things I should work on.

Step to generate report

1. Download statements from citicards.com
2. Copy and paste all transaction into Excel sheet
3. Run excel script to extra last 5 or 5 chars to get dollar amount
4. Use Excel -> Data -> column from text to number
5. Add more columns like year, month, store, category
6. Apply filter on excel sheet, expedite the work to apply multiple transaction one time.
   Like filter 'publix', apply more than 30 transactions to grocery, store: publix once
7. Work on big purchase item, or multiple purchases expenses first.
8. Work on blank items on category, solve one by one for last 30 or 50 items.

Here is the github folder called

Top 10 mock interviews on interviewing.io

March 9, 2019

Introduction

It is my personal finance research. I have to work on citi bank credit card 2003, 2004, 2005 monthly analysis, in the same time, I like to replay last night mock interview. I was so amazed that the interviewee's performance, and it was so challenging for me to catch up as an interviewer. This is the first time I met a Stanford computer science graduate.

Top 10 mock interviews

I have to select top 10 mock interviews from those 150 mock interviews on interviewing.io platform, and then I can replay those videos more often and learn from those interviewees.

I have to work on personal finance research, one thing I have to do is to generate annual report based on citi credit card statements. I like to listen something while I work on book keeping using Excel today, and then prepare reports first. Usually I will tell the problems through those reports later.

I need to learn how to parent myself, discipline, and learn how to invest money, spend needs not wants.

No. 1     Standford graduate - March 8, 2019
No. 2     Facebook intern -
No. 3     Facebook intern -
No. 4     Graduate, Google engineer -
No. 5
No. 6
No. 7
No. 8
No. 9
No. 10

Focus on one algorithm 

I ask longest univalue path algorithm to warm up the interviewee, and then use a dynamic programming algorithm or depth first algorithm to challenge the interviewee.

I have worked with interviewees on univalue longest path over last six months. I have to push myself to learn how to work with others on algorithms.

Behavioural Finance: How psychology can affect investors - MoneyWeek Videos

Here is the link.

Case study: Leetcode 1000. Minimum Cost to Merge Stones (dynamic programming)

March 8, 2019

Introduction

It is a hard level algorithm, and also it is the algorithm in weekly contest 126. I like to study those top 100 players and their code on this algorithm.

Case study

It is hard for me to work on the dynamic programming solution. One of ideas is to work on top 100 players's code on this algorithm.

I like to review the code and then write C# code for at least more than three ideas.

Leetcode 1000. Minimum Cost to Merge Stones (dynamic programming)

March 8, 2019

Introduction

It is a hard level algorithm. I wrote one solution based on the dynamic programming algorithm.

Here is my discussion link.

Aswath Damodaran

Here is the professor's official website.

Aswath Damodaran: "Valuation: Four Lessons to Take Away" | Talks at Google

Here is the link.

Leetcode 1000. Minimum Cost to Merge Stones (greedy algorithm)

March 7, 2019

Introduction

It is hard level algorithm. I spent over 30 minutes to write a greedy algorithm. I like the experience and also it is good idea to write a blog for the practice.

Greedy algorithm

The greedy algorithm does not work. The counter example is [6, 4, 4, 6]. The greedy algorithm will start from [4, 4] to merge one pile, and then [8, 6], and then [6, 14]. The total cost will be 42. The minimum cost can be generated by not greedy algorithm, starting from [6, 4] to merge one pile 10, and then [6, 4] to merge to one pile 10, and then [10,10] is merged to one pile 20, the total cost will be 40.

Here is my greedy algorithm code.

How to divide into subproblems?

Based on the example [6, 4, 4, 6], K = 2. There are the following three subproblems to solve.

case 1:

subproblem:  array [6, 4, 4], K = 2 -> to K -1 piles
subproblem:  array [6], K = 2   -> to one pile


[6, 4, 4] to merge into one pile, the minimum cost will be 6 + [4, 4] to one pile, 6 + 8 + 8 = 22. So we can conclude that case 1's cost will be 50.

case 2:

subproblem:  array [6, 4], K = 2 -> to K - 1 piles
subproblem:  array [4, 6], K = 2 -> to one pile

case 2's cost will be 40.

case 3:

subproblem:  array [6], K = 2 -> to K - 1 piles
subproblem:  array [4, 4, 6], K = 2 -> to one pile

case 3's cost will be 50.

So the minimum cost will be minimum ( case 1, case 2, case 3).

Leetcode 1000. Minimum Cost to Merge Stones (II)

March 7, 2019

Introduction

It is a hard level algorithm. I also have chance to practice some combinatorics I learned from 1996 to 1997 FAU graduate course.

Series review

Good job to explain the recurrence formula. I write the formula by myself in the following:
How to build recurrence formula?

F(n-1) = F(n) - K + 1 <- we merge K piles to one pile. For example, F(n) is the array with length n, then F(n-1) array's length should be n - (K - 1).
F(n-2) = F(n) - K + 1
...
F(1) = F(2) - K + 1

Add above all formula's left item together, right item together. Both sides have common items to remove, F(2), F(3), ..., F(n-1). So left side and right side can be simplified in the following:
F(1) = F(n) - m * (K - 1).
In other words, 1 = n - m * (K - 1).
We can conclude that array's length n, (n - 1)/ (K - 1) = m, which means (n - 1)% (K - 1) == 0.

Be careful of ETFs - MoneyWeek Videos

Here is the link.

Leetcode 1000. Minimum Cost to Merge Stones

March 6, 2019

Introduction

It is a hard level algorithm. I spent over 10 hours to learn a few things. I find out that I have to push myself to learn dynamic programming algorithm and one of ideas is to work on algorithm and data structure more often.

My study

I did write a greedy algorithm, and failed to pass online judge. It took me around one hour. It is a good practice.

I started to work on dynamic programming solution. Here is my discussion link.

Lump Sum or Drip Feed Investing - Which Is Best?

Here is the link.

How to invest in a stocks and shares isa - MoneyWeek Videos

Here is the link.

Four big investment mistakes - MoneyWeek Videos

Here is the link.

Five key dates every shareholder should know - MoneyWeek Investment Tutorials

Here is the link.

103-45761 Stevenson Road, Chilliwack, British Columbia

Here is the link.

$339,900 CAD

$1,390/moGet Mortgage

Get your credit report & score

• 1 Beds
 
• 1 Baths
 
• 737 Sqft

Property Type

Condo

MLS® Number

R2313342

Date Added

11 October 2018

Parking Info

1, Attached

Association Fee

148 CAD

Taxes

1,348 CAD (2018)

Location

Neighborhood

Sardis

Postal Code

V2R 0Y7

Attachments

View Listing Brochure

Description for 103-45761 Stevenson Road

Fabulous 1 bedroom + den, in the highly desired Park Ridge at Sardis Village! Modern finishes throughout such as: w/quartz countertops, soft close cabinets & s/s appliances, heated tile floor in bathroom. Bright & beautiful, like new! Large covered deck on quiet side of the building with beautiful mountain views; great for entertaining or sipping your morning coffee. Pets allowed with restrictions and rentals allowed. Amenities include exercise room, guest suite and in-suite laundry! Just a block away from the conveniences of bus, doctor, ban...

2016-09-16   $180,497

How to invest like Warren Buffett - MoneyWeek Investment Tutorials

Here is the link.

A lesson from Facebook -- avoid IPOs - MoneyWeek Investment Tutorials

Here is the link.

32. How to use a stock screener

Here is the link.

33. What is Goodwill on a Balance Sheet

Here is the link.

34. Warren Bufett's Owner's Earnings Calculation

Here is the link.

case study: molar tooth extraction

March 4, 2019

Introduction

It is the first time I like to write a blog related to my molar tooth extraction. I did extract two molar teeth last six months, and I need to extract one more in short future. They all are my right side.

Tooth is not decoration

I was experienced difficult time to miss four tooth in right side, two up and two down. But compared to suffering last two years, I choose to stay healthy instead of long-term pain. It all started from my lack of preparation to extract the tooth, instead of extraction, I chose to do gum surgery, and the shaking tooth caused the infection. The dentist asked me to go to see a periodontist.

I kept the tooth shaking in my mouth over two year, last November I could not stand any more, the gum infected so badly around two teeth. I decided to visit a different dentist and go back to visit my old dentist more than 6 years ago. After the ten minutes visit, I decided to extract the first tooth in Dec. 2018.

It was too tough to spend two months to wait for the appointment to extract the tooth. It was easy to extract the tooth.

Here are 4 marked teeth. I extracted No. 1 more than 4 years ago, and I did extract 2 and 3 in last six months. I will extract No. 4 in short future.

Another tooth

While I was waiting, the upper first molar tooth was infected. I did dirty cleaning job every day. I could not stand to live the life like that. I took the sick day on Jan. 8, 2019. I got the appointment, I chose to deep clean instead of extraction.

One month later, this February, I suffered the swollen gum and pain again. I decided to extract the tooth.

This time the extraction was like a horror movie, it was tough to extract a tooth with two pins healthy, one pin infected with the tissue.

Third tooth

The lower second molar tooth right side also has infection, pain. I need to set up an appointment to extract it.

It is like my personal finance. I did not invest time to learn the basics. I use dental insurance but I did not learn the basics of dental health.

It is disaster. I let this happen.

It all started from 2010, I did not extract the tooth ( right maxillary 2nd molar) with infections, a few deep cleaning, a root canal in 2012, followed by the extraction two month later. The infection went so badly and it spreads bacterial and hurt neighborhood tooth gum healthy status.

Actionable Items

It is my personal finance project. I know that those expensive gum surgery, root canal, or other implant are the dentist's playground. It is the way for them to generate income. I chose to suffer those pain and let those teeth living for extra few years; but I did not learn anything. I made wrong decisions.

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Weekly contest code study

March 2, 2019

Introduction

It is a good plan to read weekly contest top players' source code. I like to advance myself to next level, it is so hard for me to come out good ideas last three months, and also I learn that Leetcode discuss may not be best place for me to learn. I find a new idea which is to study weekly contest code.

weekly contest code study

I could not advance my weekly contest ranking. I am looking for ideas last few months. Today it is the first time that I learn that the source code is available.

I like to study those top 100 ranking players and also how they write code for weekly contest. I can easily find those top players and their source code for the contest.

Here are steps how to find them.

1. Go to the specific contest, for example, contest 126.
Here is the link.

2. Find top 10 players, each player there is a row and the icon can be clickable and source code is available.

For example, ranking No. 4, nhho, here is the source code for question 3.

Weekly contest 126

March 2, 2019

Introduction

It is my favorite weekly contest. I played the contest and I like to share my performance.

My performance

Here is my performance.

Source code from top 10 players

I just could not believe that I can read top 10 players source code. I never know that I can do it until today I read the instructions.

I could not believe that I am so careless. I will figure out best solutions through those top 100 players.


Score two algorithms:

1003. Check if word is valid after substitutions. Here is the link.
1002. Find common characters. Here is the link.

Fail to pass all test cases:
Here is the folder to contain the code.

Time to change

It is time for me to work on one hard level algorithm a week. I can just choose to work on the hard level algorithm in weekly contest.

I really like those algorithms in the weekly contest. The hard level algorithm in the contest and also the third algorithm I usually do not have time to complete, because I do not come out short and elegant solution. I involve too much detail in the implementation.

How to motivate myself? Think about those huge reward in the salary to work for top 4 software companies. Usually dynamic programming solution is hard level, and it is used to differentiate that you are senior level or just junior level. Why I stop practice dynamic programming? Should I practice one at least a week for fun, and continue to learn things from the problem solving?

Another idea is for me to work on, I need to choose one classical algorithm to ask in the interview. I should ask one dynamic programming algorithm. Usually it is the first algorithm in Google phone screen. I should hold high standard to quickly filter out the interviewee.

Since I schedule four interviews a week as an interviewer on interviewing.io, I can plan to work on dynamic programming algorithm more often this year.

I also should use the opportunity to learn and improve my dynamic programming solving skills.

Open house visit

March 2, 2019

Introduction

It is my first visit to the open house in the city of Surrey. I had chance to talk to realtor and then I got the documents to read from condo association.

Financial data

It is hard for me to make decision to give an offer. Even though I have saved 20% down payment, but I could not get the loan from the bank. $225,000 dollars, $80,000 dollar below market value, but $180,000 Canadian dollar mortgage is not not easy to be approved just after the stress test is released shortly.


The home address is 10560 154 ST SURREY V3R 8A3, unit 103.

Here are some transactions last three years in 35 units.


309 2016-03-30 $126,000  (893 square foot) 2 bedroom unit

307 2017-04-18 $160,000

306 2017-06-19 $208,000  (893 square foot) 2 bedroom unit

405 2017-08-28 $255,000  (893 square foot) 2 bedroom unit

302 2017-09-03 $210,000

206 2018-05-03 $313,983

       2018-06-25 $310,000

Open house

March 2, 2019

Introduction

It is time for me to go out to Surrey, and I like to visit open house from 2:00 PM - 4:00 PM. I like to see how many I can visit in one road trip.

Multiple homes

Here are multiple homes I like to stop by.

I could not afford the expensive homes. The most cheapest one is still too expensive for me. I could not afford the purchase right now.

I like to visit a few place in the order high priorities:

10560 154 STREET, Surrey, British Columbia V3R8A3

7144 133B STREET, Surrey, British Columbia V3W8A4

I will work on my personal finance research, and then I like to push myself to learn how to invest as a single person. I do not like to kill the money to spend on wants, not needs.