年轻洋“土地主”贷款专家拥有出租房,自己却长时间住在车里,皆因收不到房租。并非所有“洋大人”都懂得生活,亦或生活就是为了赚钱(租金)

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Man sleeping in his car says tenants owe more than $31K, won't leave his rental property​

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Ontario government says it's working to speed up hearings at Landlord and Tenant Board​


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Erica Johnson · CBC News · Posted: Nov 07, 2022 4:00 AM ET | Last Updated: 3 hours ago

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Marco has to sleep in his car because tenants at his Collingwood, Ont., income property have refused to pay rent for months, leaving him unable to afford his own place. (Craig Chivers/CBC)


Just last year, Marco had two houses to his name, but for months has been sleeping in his car — all because his tenants, whom he's been unable to evict, haven't paid their rent.

Marco, 33, lost his marital home in a separation agreement in January. He still owns an income property — a two-suite house in Collingwood, Ont. — but says his upstairs tenant hasn't paid up since June; the one downstairs hasn't since February.

"I'm covering all housing expenses, the mortgage and property taxes and can't afford to rent in the terrible financial situation I'm in," he said. "I'm drowning in debt."

CBC News is not revealing Marco's last name because he works as a commission-based mortgage specialist and fears it would affect his employment.

He's filed complaints about both tenants with Ontario's Landlord and Tenant Board (LTB). But because of a backlog that formed during the pandemic, an adjudication process that once was supposed to take no more than one to three months has ballooned to roughly eight. Year-long delays to fully address disputes are becoming more common.

  • Got a story you want investigated? Contact Erica and the Go Public team
"I'm at the lowest point of my life," Marco said. "I don't understand how something like this can happen."

The problem appears to be widespread, with tenants across the country refusing to pay rent, refusing to vacate a property, or both. In B.C., the normal waiting period to have a dispute heard has mushroomed from about one month to over four. Nova Scotia is also reporting delays.


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Because of a backlog that formed during the pandemic, a process that once was supposed to take no more than one to three months at Ontario’s Landlord and Tenant Board (LTB) has ballooned to roughly eight. (Kimberly Ivany/CBC)
In Ontario, as in many provinces, tenants can legally stay in their rental units, even without paying rent, until the dispute is heard and an eviction order is issued.

That, combined with the backlog, has created a climate that often favours tenants, says Asquith Allen, director of policy and regulatory affairs at the Federation of Rental-housing Providers of Ontario (FRPO).

"More and more people are understanding that the [Landlord and Tenant] Board is taking a while to get to cases," he said. "Tenants are just not paying rent, waiting until the result of that application … It's frustrating."

The emotional toll on property-owners can be "devastating," he said.

Marco says after he and his wife bought the property in September 2021, his basement tenant didn't pay rent in full, asking to make partial payments instead.


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Marco says the tenants were already living at the property when he and his wife bought it in September 2021. (Google Maps)
Later that month, a city water pipe broke and flooded the basement. Marco says he offered to reduce the next rent payment of $1,700 by $1,000, but says the tenant kept paying even less for several months and, in February, stopped paying any rent at all.

The upstairs tenant stopped paying the $1,900 rent in June, he says.

Marco estimates he's owed over $31,000.

"It boggles my mind that people can get away with this," he said. "If I stole that much money from a store, I would be charged."

The tenants were already living there when Marco and his wife bought the house. He says they asked the selling agent for the last six months of rental statements, but "got the runaround" and were under pressure to close the deal.

"We should have clued into that," he said. "I didn't do enough due diligence."


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The tenant renting this Abbotsford, B.C., house refused to pay rent for almost two years and then destroyed the home when an eviction notice was ordered. (Submitted by Morgen Yuan)
He's hired a paralegal to try to get his cases expedited with the LTB, but so far, he's heard nothing back. He's received only an automated response that his complaint has been registered and is still waiting for hearing dates.

"Once you're at a place where you find you need to file an application with the [Landlord and Tenant] Board, you're pretty much at their mercy," said Allen.

A spokesperson says the LTB is looking at adding more hearings to address the backlog, but that there are "many considerations."

Ontario Attorney General Doug Downey, who oversees the LTB, declined an interview request. In a statement, a spokesperson said the government is making "significant progress in appointing additional adjudicators" to the LTB, but would not elaborate.

Elsewhere, in Abbotsford, B.C., a tenant refused to pay rent for most of 2021 and the first half of 2022. When he was finally ordered evicted, he demolished the inside of the house, cutting support beams in the roof, tearing off drywall and tossing about insulation.

"I've never seen anything like it," said realtor Morgen Yuan, who told the offshore homeowner that he would check in on the property.

WATCH | Homeowner sleeps in basement, says evicted tenants won't leave:

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Ontario family living in basement because of delays at tenant-landlord tribunal | Go Public​

10 hours ago
Duration 2:04
An Ontario family is being forced to live in their basement because a long wait-list for the provincial tribunal has meant they've been unable to evict delinquent tenants.
Yuan says police told him no charges would be laid, because tenancy issues fall outside police jurisdiction.

In Brampton, Ont., Hasan Khan, his wife and their one-year-old are sleeping on a single mattress in the basement of their own house, because a couple renting the main floor with their adult son refuse to leave. The Khans rented the space while they were in India for six months.

The last time the tenants made a full rent payment of $2,400 was in December. Then they made partial payments, and in May stopped altogether.

The Khans are stuck paying housing costs, so they can't afford another place for themselves.

They also can't afford to do much of anything, he says. The family spent most of the summer in the backyard and drove to Toronto's Pearson airport a couple of times to sit and watch airplanes take off and land.

"We do things where we don't have to spend money," said Khan. "I feel bad for the kids and how my wife feels."


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Once a landlord files a complaint with the LTB, 'you're pretty much at their mercy,' says Asquith Allen, of the Federation of Rental-Housing Providers of Ontario. (Kimberly Ivany/CBC)
It's been six months since he complained to the LTB, which rejected a request that his case be expedited, saying Khan failed to prove he was experiencing "significant financial hardship."

"[The tenants] laugh when I threaten to go for eviction," he said. "It looks like they are very aware of the loopholes."

Go Public asked the tenants — a couple who appeared to be in their late 40s — why they'd stopped paying rent.

"We are having some problems," said the husband. He claimed he had recently lost $90,000 in a business investment, then blamed having only sporadic work.

The man vowed to pay up. But in September and October, according to Khan, paid only one-quarter of their rent.

Ontario's ombudsman launched an investigation into LTB's delays in January, after receiving 110 complaints from property owners, tenants, advocacy groups, MPPs and other stakeholders. Since then, it's received another 1,700 complaints.

A spokesperson told Go Public that the investigation is in its "final stages," but no date has been set for the report's release.

Meantime, Marco says living out of his car is taking a toll.

"It's super difficult," he said. "My mental health is deteriorating."

He hopes one day to recover what he's owed, evict the tenants and move into that house himself.

He also vows he'll never rent to tenants again.
 

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华人房东哭惨:租客搞大麻致房屋爆炸保险不赔​


发布:2022年05月30日 11:05 来源:加国无忧 51.CA 作者:谈海

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万锦一位华人房东将独立屋主卧出租给一家华人租客,没想到租客用此房地下室生产大麻毒品引发爆炸和大火,房屋被夷为平地,损失高达150万。当房东找保险公司理赔时遭到拒绝,因为保单有物业不得用于犯罪和生产大麻的例外条款。房主不服,认为自己不是火灾肇事者,应该获赔。房主为此打官司失败,上诉也被驳回,所有损失只能自己承担。

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图源:微信截图​
法庭文件显示,华裔房主在2014年购买了万锦市45 Douglas Haig Drive独立屋,并向Aviva General Insurance Company保险公司投保。
2015年两个分别姓翁的同居男女租用了房子的主卧,并在地下室放置了一些个人物品。
翁性男女有3个年龄很小的小孩,据报道二人并没有结婚,从2011年开始同居并生下3个孩子。事发时3个孩子年纪最大的也只有3岁半,最小的女孩刚刚两个月大。3个孩子均在加拿大出生。

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他们于2015年12月开始拖欠租金,2016年2月,房主要求翁家支付欠款并在2016年3月中旬之前搬家。
就在2016年3月15日,房主外出工作时,翁性男子在地下室试图从大麻中提取大麻脂,引发爆炸和火灾,房产被毁。
翁某被严重烧伤,幸好他们的3个孩子安全无恙。翁性男子被捕后承认涉毒及纵火罪名。后来获轻判入狱3年,他的难民申请被拒绝。
据报道事故发生时女人和孩子不在屋内,3个幼小的孩子,年纪最大的孩子也只有3岁半,最小的女孩刚刚两个月大。
突然发生的事故引发华人社区对3个孩子的担心。网友自发组织的志愿者团队轮班帮助母亲照看3个孩子,以便让母亲能腾出时间来去寻找房子。同时有热心网友在很短的时间内就捐出了3000余元现金,帮助这个家庭度过难关。
2017年5月12日,Aviva保险公司依据保单条款拒绝了房主财产损失索赔申请。房主的理由是火灾是由租客行为引发的,而且他对此并不知情。但是Aviva保险单中有“大麻排除”条款,其中写道对于种植、收获、加工、制造、分销、储存或销售大麻或任何衍生自或含有大麻的产品导致的建筑物和财产的损失不在理赔范围之内,无论被保险人是否知道此类活动或财产的使用。
房主对保险公司决定不服,于2018年3月9日提起诉讼。
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图源:微信截图​
几周后,即2018年4月30日,加拿大国会对《保险法》增加了一项修正案,将犯罪和故意活动的例外条款的适用范围,仅限定于肇事者,或知道肇事行动的人的索赔。即只有当肇事者提出索赔时,保险公司才能使用这个例外条款拒绝赔付,但如果是非肇事者索赔,保险公司就需理赔。
按照修改后保险条例房主有权获赔,但是法院审理后裁定新条例不具追溯力,即新法规不能追溯其颁布日期之前已经签订的保险单,而且新法规不适用于生产大麻例外条款。
房主不服法院判决再提出上诉。
安省上诉法院的法官认为,如果国会立法时打算将修正案适用于已经发生但保险公司尚未理赔的个案,就会在法律条文中用明确的语言来说明。但该修正案并没有这样做,因此也就对之前的保险合约没有追溯力,因此驳回房主上诉。
 

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A housing bubble burst would be worse in Canada than U.S.: Rosenberg​


Iva Poshnjari, BNN Bloomberg


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Mortgages of Canada CEO sees more bankruptcies as interest rates ...


A prominent Bay Street economist says if a housing bubble burst were to happen, it would be far worse in Canada than in the U.S.

“There can all be a little doubt that the housing market in Canada is heading into a steep downturn,” David Rosenberg, the president, chief economist and strategist of Rosenberg Research, wrote in a note to clients on Friday.

“The bubble north of the border is far more acute and will pay a deeper price for the interest-rate hikes that have already been implemented.”
Rosenberg pointed to the reality of Canadian home prices reaching far above the average income level throughout the country, especially when compared to those in the United States.

He cautioned that debt to disposable income in Canada is far greater than in the U.S. For every dollar Canadians earn, they owe $1.65 to debt, whereas Americans owe $1 to debt for every dollar they make, according to data from Havers Analytics.

“On a relative basis, Canada is extremely exposed compared to the United States,” Rosenberg stated.

The average price of a home in Canada is $640,479 as of September 2022, according to the Canadian Real Estate Association (CREA). In the country's more densely populated regions, like Toronto, the average home price remains well above $1 million, according to the Toronto Regional Real Estate Board.

Rosenberg is also concerned about the large amount of Canadians who have taken on variable interest rates for their home mortgages in comparison to Americans.

Slightly over one third of Canadians hold a variable rate mortgage that will be renewed within the tightened interest rate environment versus only the five per cent of U.S. homeowners who have a variable rate, according to Havers Analytics.

“That is an absolutely astonishing number. I’m talking about that 34 per cent share in mortgages that respond quickly to higher interest rates in Canada,” he stated.

The data also revealed that Canadians have tied 46 per cent of their assets to residential real estate and 55 per cent of their net worth is from housing.

This is double compared to their U.S. counterparts, the data showed.
 

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LACKIE: Real estate market looking more like 'crash' than 'correction'​


Yet buyers are still buying, sellers are still selling -- the ones who need to at least -- and multiple offers continue in some pockets of the city
 

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翁性男子被捕后承认涉毒及纵火罪名。后来获轻判入狱3年,他的难民申请被拒绝

SIN都没有租个毛的房子给他呀?
 
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