{"id":58995,"date":"2026-03-16T15:45:35","date_gmt":"2026-03-16T19:45:35","guid":{"rendered":"https:\/\/www.fprofessionnels.com\/?p=58995"},"modified":"2026-03-19T15:54:27","modified_gmt":"2026-03-19T19:54:27","slug":"owner-or-tenant","status":"publish","type":"post","link":"https:\/\/www.fprofessionnels.com\/en\/owner-or-tenant\/","title":{"rendered":"Owner or tenant?"},"content":{"rendered":"
I would like to settle down somewhere for a while and build some wealth: should I consider buying a condo or a house?<\/strong><\/div>\n

 <\/p>\n

This option could meet your needs:\u00a0<\/h5>\n
    \n
  • Becoming a homeowner requires more money at the outset because it is an investment<\/strong>, usually over the medium or long term.<\/li>\n
  • It provides you and your family with some stability<\/strong> and a sense of control over your life and environment.<\/li>\n
  • You have access to certain grant programs<\/strong> (federal or provincial) to improve your home.<\/li>\n<\/ul>\n
    Key considerations before taking this step:<\/h5>\n
      \n
    • You must qualify for a mortgage and have the required down payment<\/strong> (5% to 20%<\/strong> of the asking price, plus insurance and taxes).<\/li>\n
    • The expenses<\/strong> associated with the purchase are significant (notary and appraisal fees, welcome tax, moving costs, etc.).<\/li>\n
    • It\u2019s a long-term financial commitment<\/strong> (mortgages have an average term of 25 years, with renewal every five years, and property taxes are an annual expenditure).<\/li>\n
    • You will need to invest regularly<\/strong> (repairs, renovations) to maintain the value of your property and set aside an emergency fund<\/strong> of three to six months’ salary to cover unexpected expenses.<\/li>\n
    • If you need to sell<\/strong> your property quickly<\/strong> for any reason, you could lose money.<\/li>\n
    • You\u2019re less mobile<\/strong> because you are tied to a specific geographic location.<\/li>\n<\/ul>\n

       <\/p>\n","protected":false},"excerpt":{"rendered":"

      Various events or certain opportunities may lead you to consider your options regarding your living conditions and where you want to practise your profession. Here are some questions and answers to help guide your decisions.<\/p>\n","protected":false},"author":1047,"featured_media":59014,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[5654,1],"tags":[],"categorie-profession":[],"class_list":["post-58995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-and-estate-planning","category-news"],"acf":[],"yoast_head":"\nOwner or tenant?<\/title>\n<meta name=\"description\" content=\"Various events or certain opportunities may lead you to consider your options regarding your living conditions and where you want to practise your profession. 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