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Articles from Guaranti Group on guaranti perspective — written for families in Greater Vancouver.

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Guaranti Perspective2026-09-16Rate changes affect more than a mortgage paymentFrom borrowing costs and investment returns to the household balance sheet, interest rates affect far more than a monthly mortgage payment.Read Guaranti Perspective2026-09-15The Bank of Canada Holds Rates—What Does It Mean for Your Mortgage?Devinder Dhaliwal shares his perspective on the Bank of Canada’s latest rate decision and the factors borrowers may want to keep in mind when planning their next step. Mortgage choices should be assessed alongside personal cash flow, term preferences and future plans. This video is in English with Chinese and English subtitles.Read Guaranti Perspective2026-09-11When investing in stocks, protect both your capital and your relationshipsVicky Rong explains why stock investing is not only about potential returns, but also about understanding risk and maintaining clear decision-making boundaries. When discussing investments with friends or family, separating shared information from personal decisions can also help protect relationships. This video is in Mandarin with Simplified Chinese and English subtitles.Read Guaranti Perspective2026-09-03If a presale fails after prices fall, how much can the developer claim?When a presale does not complete, a dispute may involve more than the deposit, including a later resale shortfall and other contractual obligations. Whether a claim applies and how it is calculated depend on the contract and facts. This video is an excerpt from Vivian’s Cantonese seminar and provides general legal information only, not legal advice.Read Guaranti Perspective2026-09-02Can a developer forfeit my deposit during litigation?Entering litigation does not create a single automatic outcome for a presale deposit. The contract terms, claims being advanced and facts of the case all matter. This video is an excerpt from Vivian’s Cantonese seminar and provides general legal information only, not legal advice.Read Guaranti Perspective2026-09-01Problems before presale closing? Seek professional guidance earlyFunding, appraisal and contract issues before presale closing can create different choices in every case. Understanding the situation early and coordinating the right professionals can preserve more room for the next steps. This video is an excerpt from Elvis’s Cantonese seminar.Read Guaranti Perspective2026-08-28Can a lender still use the original price after property values fall?At presale completion, a lender may not rely only on current market sale prices; some projects may use a blanket appraisal as part of the mortgage review. Whether it applies depends on the project, lender policy and the borrower’s file. This video is in Cantonese with Traditional Chinese and English subtitles.Read Guaranti Perspective2026-08-28Before deciding whether to close, know your optionsBefore a presale closes, the market, appraisal, financing and funding picture may all have changed. Understanding your options and actual funding position first can lead to a more informed decision.Read Guaranti Perspective2026-08-27Are your funds ready for presale closing?Having the deposit ready does not mean every dollar needed for closing is in place. The appraisal, final mortgage amount, closing costs and any funding gap should be reviewed together before completion.Read Guaranti Perspective2026-08-20Small Business Financing: Is There a Second Option?When conventional bank financing does not fit a company’s current needs, exploring other compliant channels can clarify the available choices. Each option has different conditions and should be considered in the context of the business’s cash flow and stage of growth.Read Guaranti Perspective2026-08-20Insurance Can Be Your Financial FirewallThe value of insurance is not limited to the day a claim occurs; it can also add a layer of protection around family wealth. When coverage is aligned with long-term planning, unexpected events are less likely to leave a family without options.Read Guaranti Perspective2026-08-20A Business Loan Is More Than BorrowingThe cost of a business loan is not captured by one headline figure. Structure, tax considerations and cash-flow impact all matter when assessing how financing fits into the company’s broader plan.Read Guaranti Perspective2026-08-19How Insurance Can Support Tax PlanningInsurance can provide protection while also interacting with tax and estate-planning considerations. Whether it belongs in a broader strategy depends on the family’s assets, business structure and long-term goals.Read Guaranti Perspective2026-08-17Jewellery as an Asset, Not Just a PurchaseThe value of a piece isn't only in owning it — it's in how it carries forward.Read Guaranti Perspective2026-08-13A Mother’s Most Tender LegacyLove can be carried from one generation to the next through a treasured object and a thoughtful plan. What is passed on is often more than value—it is also memory, meaning and care.Read Guaranti Perspective2026-08-12When Will the Housing Market Turn?Housing-market turns are rarely announced by a single data point. They often begin with subtle shifts in supply, buyer confidence and financing conditions, making those signals more useful than guessing a date.Read Guaranti Perspective2026-08-12Your Presale Is Closing. What Now?Closing, assigning or considering another direction can each involve financing, cash and contract terms. Comparing the conditions and costs early can help prevent a rushed decision near completion.Read Guaranti Perspective2026-08-12Beyond Closing or Assigning: Is There a Fifth Option?A presale buyer facing difficulty may have more than two possible directions. Every route carries conditions and trade-offs, so the contract, financing and market context need to be considered together.Read Guaranti Perspective2026-08-12Why are more people earning money, yet feeling less and less secure?What leaves people feeling unsafe is not earning too little — it is that the future has become harder to predict. Security was never a number; it is whether you still have choices when things change.Read Guaranti Perspective2026-08-11Which Price Is the Real Presale Price?The contract price, current market value and lender appraisal may all be different. Confusing the three can lead a buyer to underestimate the cash required at completion.Read Guaranti Perspective2026-08-10A Presale Lost Value. Are You Out of Options?A price decline does not mean every presale buyer faces the same outcome. The available directions depend on the contract, financing and market conditions, so an early review can preserve more choices.Read Guaranti Perspective2026-08-10Developer Claims the Price Gap. How Might a Court Decide?A developer’s claim for a resale shortfall usually turns on the contract, evidence and specific facts. The legal outcome may not match either side’s assumptions, which is why the boundaries of responsibility matter.Read Guaranti Perspective2026-08-07The Presale Price Fell—but the Bank Uses the Original Price?A lender’s presale assessment can depend on its valuation method, lending conditions and the borrower’s file. An early indication is not a final approval, so the complete terms still need to be confirmed before closing.Read Guaranti Perspective2026-08-07A $100K Appraisal Shortfall Can Mean $65K More CashA lower appraisal can affect more than the property’s stated value; it may also change the financing ratio and closing cash gap. Understanding that calculation makes the required funds easier to estimate.Read Guaranti Perspective2026-08-06Don’t Overlook Your Child’s Future TFSA and FHSAFamilies often begin with an RESP but may overlook the TFSA and FHSA a child can use as an adult. Understanding these accounts can connect education, saving and future home ownership within one long-term plan. This content is general information only and is not investment, tax or legal advice.Read Guaranti Perspective2026-08-06You Thought the Loan Was Ready—Then the Bank CalledEven a well-prepared financing plan can be affected by changes in income, credit, valuation or documentation. Confirming the key conditions early is safer than waiting for a final call just before closing.Read Guaranti Perspective2026-08-06The best investment you can make is always in yourselfWe've learned to book a physical every year. A family's plan deserves the same habit.Read Guaranti Perspective2026-07-31More than half of new housing is now being built to rentFor the first time in Canadian history, more new housing is being built to rent than to sell. That happened in the data, not the headlines.Read Guaranti Perspective2026-07-31What's worth thinking through before you incorporateIncorporating solves today's problem. Share structure is about the ones that arrive later.Read Guaranti Perspective2026-07-23One Cent Keeps Doubling. What Happens After 30 Days?This number exercise is not a promise of returns; it is a way to help children understand compounding, time and patience. Financial literacy begins when small choices can be connected to long-term outcomes.Read Guaranti Perspective2026-07-22Wealth Grows Like BambooSustainable wealth often takes root long before the growth becomes visible. Clear goals, consistent habits and enough time matter more than reacting to every short-term move.Read Guaranti Perspective2026-07-22Would you give your child $1,000, or a single cent?Teaching children about money is about responsibility and choice, not arithmetic.Read Guaranti Perspective2026-07-22You assume the building’s insurance covers everything. It does not.Strata insurance and a personal condo policy are two different things — the gap shows up on the day you claim.Read Guaranti Perspective2026-07-10What Canada's World Cup run says about building a structureA team doesn't go far on one striker. A household balance sheet has the same problem.Read Guaranti Perspective2026-07-10The one thing clients regret most: starting too lateAfter years in wealth planning, the sentence Christine hears most often is “I wish I had started earlier.”Read Guaranti Perspective2026-07-10Buying presale: is the deposit really all you need to prepare?Buyers focus on choosing the unit and paying the deposit, and overlook the financing question waiting at completion.Read Guaranti Perspective2026-07-10Why does the insurer keep asking how old the roof is?With an older home, the premium is not the only thing worth reading closely.Read Guaranti Perspective2026-07-03You think it makes no difference whether you leave a will. It makes every difference.If you do not say who inherits, the law says it for you — and it may not say what you would have.Read Guaranti Perspective2026-06-25Why Your Broker Matters During a ClaimBuying coverage is only the beginning. When a loss occurs, documentation, assessment and communication can all shape the claims process, and an informed broker can help clarify the steps and scope of coverage.Read Guaranti Perspective2026-06-24No Agreement—How Much Risk Are You Carrying?Marriage property, asset protection and business succession rarely rest safely on verbal assumptions alone. Clear documents and boundaries can reduce uncertainty when circumstances change. This content is general legal information and is not legal advice.Read Guaranti Perspective2026-06-24A High-Rise Leak: What Should You Do First?A high-rise water leak can affect several units, common property and questions of responsibility at once. Knowing the scope of personal condo coverage and the response process can reduce confusion when an incident occurs.Read Guaranti Perspective2026-06-02If you live to ninety, will your money last?Longevity is a gift on one condition — that the money holds out as long as you do.Read Guaranti Perspective2026-06-02Property is slow to sell — what else is there?With the Greater Vancouver market under pressure, Elvis walks through seven options and who each one suits.Read Guaranti Perspective2026-05-30Guaranti Group: one platform for a family's financial lifeA family office built around one idea — that a family's financial decisions were never separate problems.Read Guaranti Perspective2026-05-21The house hasn't grown. The payment has. Now what?What a soft market actually tests isn't the value of the house. It's whether the household still has choices.Read

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