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Home buyers guide RESIDENTIAL REAL ESTATE BROKERAGE BUYER ? S GUIDE A practical quick reference guide for the purchase of your property with a real estate broker CPublished and produced by the Organisme d ? autoréglementation du courtage immobilier du Qué

RESIDENTIAL REAL ESTATE BROKERAGE BUYER ? S GUIDE A practical quick reference guide for the purchase of your property with a real estate broker CPublished and produced by the Organisme d ? autoréglementation du courtage immobilier du Québec OACIQ Lapinière Boulevard Suite Brossard Québec J Z G ? Organisme d ? autoréglementation du courtage immobilier du Québec All rights reserved Legal Deposit Bibliothèque et Archives nationales du Québec Bibliothèque et Archives Canada ISBN - - - - November edition CTABLE OF CONTENTS WHAT YOU SHOULD KNOW ABOUT BUYING A HOME A REAL ESTATE BROKER IS YOUR SECURITY GUARANTEE THE OACIQ ? S MISSION THE BROKER AND THE AGENCY PLAY LEADING ROLES Learn the di ?erence between a real estate or mortgage agency and a broker and ?nd out about their duties and obligations STRONG SAFEGUARDS FOR THE PUBLIC Learn more about the various services the OACIQ has put in place to protect you when you carry out a real estate or mortgage transaction with the help of a broker D ETERMINE HOW MUCH YOU CAN AFFORD BEFORE CHOOSING A HOME HOW MUCH CAN YOU INVEST Make a budget in order to estimate your borrowing capacity HOW MUCH DO YOU NEED TO BORROW Learn how to calculate the loan amount you need based on your downpayment deposit and indirect costs THE MORTGAGE LOAN Familiarize yourself with interest loan repayment types of loans and the Home Buyer ? s Plan HBP THE BASICS OF WORRY-FREE TRANSACTION THINGS GO BETTER WITH A REAL ESTATE BROKER The main di ?erences between purchasing on your own and retaining the services of a real estate broker CTHE EXCLUSIVE BROKERAGE CONTRACT - PURCHASE See why it is advantageous to sign a brokerage contract with a broker for the purchase of your property HOW TO CHOOSE A HOME Learn how to de ?ne your needs and then acquire tools to organize your search and your visits See how your broker can help you estimate the market value of a property THE PROMISE TO PURCHASE Make sense of the content of the promise to purchase forms that are used when you do business with a broker including the information to be included the conditions to be de ?ned inclusions and exclusions etc THE COUNTER- PROPOSAL See how your broker can help you navigate through conditions and deadlines when dealing with counter-proposals EXPERTS AT YOUR SERVICE Learn about the main experts you will deal with when purchasing a home building inspector notary land surveyor etc THE PROPERT Y TRANSFER An overview of the ?nal steps at the notary ? s including title examination deed of sale and registration of ownership rights ARE YOU SATISFIED Ask your broker any question you may have You can also seek help from the OACIQ Info Center and the Assistance Department USEFUL LINKS The main resources to help you with your transaction associations government departments consumer protection agencies etc CWHAT YOU SHOULD KNOW ABOUT BUYING A HOME The Organisme d ? autoréglementation du courtage immobilier