Mortgage Interest Rates Trinidad – RBC | TTMF | Scotia

Looking for information on mortgage interest rates Trinidad and Tobago? This article will provide information on mortgage interest rates from RBC, TTMF and Scotiabank.

Mortgage interest rates in Trinidad and Tobago are very low at present. As a result commercial banks are competing for your business. Trinidad and Tobago Mortgage Finance, RBC Royal Bank and Scotiabank are offering promotional packages. These include 2% and 5% programme from TTMF and “Friends and Family” from RBC.

Mortgage Interest Rates Trinidad and Tobago

mortgage interest rates trinidad

What is a Mortgage?

A legal agreement by which a bank, credit union, building society, etc. lends money at interest in exchange for taking title of the debtor’s property. With the condition that the conveyance of title becomes void upon the payment of the debt.

Mortgage companies is Trinidad and Tobago offer mortgages financing options for the following:

  • Purchase of residential property
  • Purchase of residential lots
  • Construction or renovation
  • Utilization of equity for investments, emergencies, expenses, debt, education, medical, etc.
  • Purchase, construct or refinance a non-owner occupied residential property for investment purposes

Quick mortgage loans

 




 

Is it a good time to get a mortgage?

When is it a good time to get a mortgage? There is no better time than the present. For many people, owning a home is the fulfillment of the Trinidadian dream. For others, it is their worst nightmare.

Purchasing a home is one of the biggest financial decisions you will make in your life. So, before you decide to buy, carefully consider the pros and cons of home ownership. Here are some benefits of being a home owner:

  • As a homeowner, you build your equity through paying down your mortgage over the years.
  • Homes typically increase in value
  • Costs are predictable and more stable than renting because they’re ideally based on a fixed-rate mortgage.
  • Rent money goes to the owner of the property
  • There’s pride in homeownership, which also closely ties you to your community.

Disadvantages of Owning a Home

Home-ownership is a long-term financial commitment.

You’re responsible for all maintenance on your home.

Owning a home ties you to your community, making it more difficult to suddenly pick up and leave a location.

Buying a home requires a down payment, closing costs and moving expenses.

The value of your house may not increase – especially during the first few years.

Why Pre-Approval Is Important For Mortgage Loan Trinidad

Two main reasons why pre-approval is important for a mortgage:

  1. It will show the sellers that you are serious about buying a home, which is particularly crucial when requesting a viewing. Real estate agents prefer pre-qualified buyers to avoid wasting both the agent and the homeowner’s time.
  2. It will let you know how much home you can afford. Before you start browsing onlinmortgage-interest-rates-trinidade listings and requesting viewings. Mortgage payment calculators from RBC, TTMF or Scotia Banks gives an estimate of your monthly payment.

Mortgage Companies In Trinidad and Tobago

Trinidad & Tobago Mortgage Finance Co. Ltd – Dundonald St, Port of Spain

Republic Bank Mortgage Center

The Trinidad Building & Loan Association – 89, Queen St, Port of Spain

Home Mortgage Bank – Prince’s Court, Keate & Pembroke Street, Port of Spain

RBC Royal Bank Mortgages

Mortgage Interest Rates Trinidad 2017

Trinidad & Tobago Mortgage Finance Co. Ltd

2% Mortgage Programme -If the income of the head of the household is $14,000 or less, you may qualify for an interest rate of 2% to purchase any property valued up to $1,000,000. Special conditions apply.

Features of the 2% mortgage interest rates Trinidad facility:

Included a graduated payment mortgage arrangement. The main features of which would allow for an increase of 0.5% annually. From the inception of the loan to the attainment of the next level of the subsidized mortgage rate of 5% in seven (7) years.

Property value must not exceed $1,000,000.00

Land owners can still receive financing up to $1,000,000.00 for construction

Up to 100% financing. For Purchase Price of house and land or land with immediate construction of a house. Help reducing the amount of savings required for the down payment on the property.

Monthly Income of borrower(s) must not exceed $14,000.00

Borrower(s) must be a first time home owner

Maximum Repayment Term of 30 years

Mortgage can be extended to age 70 with a gainfully employed younger family member being a co-borrower

Inclusive of $20,000.00 approved for major appliances

 




 

5% Mortgage Programme

The Expanded Affordable Housing Financing Regime, will cater to the needs of the middle and lower middle income families. Special conditions apply. 

5% mortgage interest rate will be applicable to first time home owners only. For purchase of house and land or land with immediate construction of a house. Applied for properties valued up to $1.5 Million. Recipients of funding under the 2% Financing Regime would not be eligible for funding under the 5% programme.

Household income will reflect the incomes of the heads of the household, excluding the incomes of other parties. Household income must not exceed $30,000.

Qualified buyers receive 95% financing. As a means of reducing the amount of savings required for the down payment on the property.

The maximum term of the loan will be 30 years up to age 70.

Included a graduated payment mortgage arrangement. The main features of which would allow for an increase of 0.5% annually. From the inception of the loan to the attainment of the Approved Mortgage Company (AMC). Rate (currently 7%) in five (5) years.

The legal provision in the mortgage documents require that beneficiaries of newly built Government-financed properties cannot sell or sublet. Ten (10) years must expire after date of financing.

RBC Royal Bank Mortgage Interest Rates Trinidad 

Resident can obtain a mortgage for the purpose of purchasing an owner occupied residential property. Including single-family units, townhouses and condominiums.

Up to 90% financing is available (as Mortgage Indemnity Insurance is available for amounts in excess of 80%); therefore a minimum downpayment of 10% is required.

Amortized monthly payments of principal and interest can be granted for up to 30 years. (maximum term and age of client not to exceed government age of retirement).

2 yr fixed closed – 2.990%  | 3.040% APR
5 yr fixed closed – 3.390%   | 3.410% APR
5 yr variable closed – RBC Prime Rate + 0.000% | 3.220% APR

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Mortgage Loan Trinidad and Tobago

Shop around for a mortgage loan Trinidad and Tobago. Believe it or not, you should shop around for a mortgage before you start house hunting.

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Mortgage Loan Trinidad and Tobago




TNT Homes For Sale #1 solution for real estate in Trinidad wants to ensure you business it valuable. Fill out the form and 1 – 3 mortgage specialist will contact you for an interview or provide information.

Why Pre-Approval Is Important For Mortgage Loan Trinidad

Two main reasons why pre-approval is important for a mortgage:

  1. It will show the sellers that you are serious about buying a home, which is particularly crucial when requesting a viewing. Real estate agents prefer pre-qualified buyers to avoid wasting both the agent and the homeowner’s time.
  2. It will let you know how much home you can afford. Before you start browsing online listings and requesting viewings. Mortgage payment calculators from RBC, TTMF or Scotia Banks gives an estimate of your monthly payment.

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Houses For Sale In Trinidad and Tobago 2017

Finding houses for sale in Trinidad and Tobago 2017 was a challenge for many first time home owners. Homes for sale in the “safe areas” are in the two million range.

Many people are looking for properties for sale in Arima, homes for sale in Trinidad 2017 Arouca, houses for sale in St. Joseph, houses for sale in Trincity, cheap homes in The Crossings. Check out the following houses for sale in Trinidad and Tobago.

Featured Houses For Sale In Trinidad and Tobago 2017

 

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House For Sale In Ascot Gardens Arima

Price: TT $ 1,450,000.00 (neg)

Area: Ascot Gardens | Arima

 

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Property For Sale In Sangre Chiquito

Price: TT $ 2,500,000.00 (neg)

Area: Sangre Chiquito | Sangre Grande

 

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Home For Sale In Tunapuna

Price: TT $ 2,500,000.00 (neg)

Area: Tunapuna Road | Tunapuna

 

 

Price: TT $ 2,500,000.00 (neg)

Area: Roystonia | Couva

 

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Price: TTD $ 6,740,000.00

Area: Chateaux De Chantilly | Maraval

 

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Signature Park Trinidad House For Sale

Price: TT $ 2,800,000.00 (neg)

Area: Signature Park, D’Adadie |  Arima

 

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House For Sale in Westmoorings Trinidad

Price: TT $ 7,200,000.00

Area: Columbus Circle | Westmoorings 

 

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House For Sale In Santa Cruz

Price: TT $ 3,900,000.00 (neg)

Area: Gabriel Gardens | Santa Cruz

Houses For Sale In Tobago 2017

 

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House For Sale In Tobago 2017

Price: CAN: 1,050,000.00 (neg)

Area: Mt. Irvine | Tobago

 

tobago-property-for-sale
Guest House For Sale In Tobago 2017

Price: TTD: 4,868,500.00 | USD: 749,000.00 (neg)

Area: Englishman Bay | Tobago

 

Properties For Sale In Trinidad and Tobago 2017

Check out videos of homes for sale from TnT Homes For Sale. We strive to find houses for sale in Trinidad and Tobago 2017 for you our loyal clients.

Do you have a property for sale? Call 868 759 1712 to list your property for sale in 2018 – FREE.

Have a home you need rented? Call 868 759 1712 to list your property for sale in 2018 – FREE.

Are you a Real Estate Agent? Contact us to advertise your listings at the lowest rates in Trinidad and Tobago.

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House for Rent In Arima – Ascot Gardens

Renovated house for rent in Arima Trinidad. Ascot Gardens is a gated community in the borough of Arima. Perfect for a family with kids in a safe neighborhood.

House for Rent In Arima – Ascot Gardens

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Area:  Ascot Gardens | Arima 

Bedrooms: 3

Bathrooms: 2

Parking: 2

Size: 5,000 sq ft

Land: Freehold

Rent: TTD 6,000.00 (neg) .

Contact:  (868)-759-1712  

Ref: TnT1072

3 bedroom house for rent in arima borough of arima. A quiet neighborhood for families to foster and grow. Built in 2010, this is a well maintained home for rent Arima Trinidad. Move in ready with stainless steel appliances.

Bedrooms – (3)

There are three bedrooms. Two 12 x 12 and a master that is en-suite. Air-condition units and tiles are in all bedrooms.

Bathrooms – (2)

One bathroom serves the two smaller bedrooms and visitors. Master bathroom is private.

Kitchen

A bit on the small side and in need of more cupboards. The stainless steel appliances adds value and potential to the space.

Living Room

The living area measures approximately 14 x 14 and hold a living room set comfortably. Air-condition enhances the quality of the space. Modern colors and an accent wall make a statement.

Yard

Approximately 30 x 30 sq ft of yard space is available. Thousand gallon tank and pump is installed for an adequate supply of water.

House For Sale In Arima Trinidad and Tobago

ascot gardens arima home for sale

Owner migrating. Check out this Ascot Gardens Arima Home For Sale. A well maintained home in a quiet gated community in Arima Trinidad. Price adjusted for quick sale. A quiet neighborhood for families to foster and grow. Built in 2010, this is a well maintained home for sale in Arima Trinidad. Move in ready with stainless steel appliances

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Patio Furniture Trinidad – Modern | Contemporary | Rustic

Top design, selection and competitive prices on Patio Furniture Trinidad. Modern, Traditional, Contemporary, Rustic, Mid-Century styles are available.

Types of Patio Furniture Trinidad

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From poolside chaise lounges to picnic tables perfect for summer barbecues. Outdoor patio furniture can now withstand the elements. Take a look at common patio furniture materials:

Aluminum

Benefits: Lightweight, durable, doesn’t rust or fade, low maintenance and affordable.

Plastic, Polymer and Resin

Benefits:

Lightweight, low maintenance, inexpensive, stackable, available in a variety of colors.

Steel

Benefits:

Sturdy and durable. Steel furniture is heavier than aluminum, but lighter than wrought iron.

Wicker/Rattan

Benefits:

Lightweight, flexible and comfortable.

Wicker and rattan are suitable for indoor and outdoor use, making great additions to sun rooms, porches and decks.

Wood

Benefits: Solid, sturdy, heavy, non-heat-absorbing, long-lasting if well cared for. Wood furniture can be expensive. Teak, cedar, pine, and eucalyptus are common types of wood in outdoor furniture.

Wrought Iron

Benefits: Sturdy, durable, can be left out to withstand the elements. Wrought iron furniture is heavy and will need to be protected against rust if it isn’t powder coated.

Peckham Patio Furniture Trinidad For Sale

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Peckham Park RAF/LAF Loveseat, Corner, Ottoman W/Cushion – Beige/Brown

Part of Peckham Park collection, durable nuvella solution dyed polyester fabric, resin wicker. Includes three coordinating throw pillows and rust free aluminum frame.

Dimensions:
RAF/LAF Love-seat: 55″ Width 29″ Depth 26″ Height
Corner: 31.50″ Width 31.5″ Depth 33.5″Height
Ottoman: 25.75″ Width 25.75″ Depth 18.50″ Height

Price: TTD$12,443.56 + Vat

 

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Abbots Court Loveseat Glider W/Table, Lounge Chair W/Cushion – Blue/Gray

Swing your worries away with the Abbots Court gliding love-seat and matching table. Soft driftwood-hued resin wicker adds romance without the worry of splintering or cracking. Comfortable cushions are covered in all-weather Nuvella fabric so they’ll look bright for years. Rust free aluminum with resin wicker. Durable Nuvella solution dyed polyester fabric. Love-seat glider includes two throw pillows. Wood look resin top coffee table.

Dimensions:
Loveseat Glider: 31.50″ 51.18″ 5.43″.
Cocktail Table: 40.55″ 19.69″ 16.93″.
Lounge Chair w/Cushion: 31.5″ Width 27.95″ Depth 35.43″ Height

Price: TTD$14,221.33 + Vat

Patio Furniture Shipped To Trinidad From Amazon

patio outdoor furniture

Keter 7.5-Gal Cool Bar Rattan Style Outdoor Patio Cooler Table, Brown

This item ships to Trinidad and Tobago

Cooler, cocktail table all in one

Keeps drinks ice-cold for hours

Easily pull up table top locks in place

Ideal BBQ and summer party accessory; Drain plug for easy clean up

Made from 100 percent recyclable and durable, weather-resistant plastic resin material

rattan patio furniture trinidad

Patio Rattan Garden Furniture Set of 3PCS, Wicker Chairs With Table

STURDY AND PRACTICAL:

Constructed from strong steel frame, good choice for patio, porch, poolside, garden and other suitable place in your home.

EASY TO ASSEMBLE:

Assemble easily and no need for maintenance, no worry to split, crack, fade, rot and deteriorate, we provide one year free component exchange.

TEMPERED GLASS:

Table with removable tempered glass, strong bearing, drinks, meals and decorative items on top are all great.

ALL DEPARTMENTS:

One coffee table with glass and 2 rattan chairs with cushion included.

 

best choice patio furniture trinidad

Hanging Chaise Lounger Chair Arc Stand Air Porch Swing Hammock

Relax on 2” foam filled cushions and an included pillow and enjoy the ergonomic, curved lounge design

Constructed with a powder-coated metal frame, water-resistant PVC-coated polyester cushions, and a 46” canopy, this lounge is built to last outdoors

Remove the attached umbrella canopy to use this chaise lounge indoors

The unique, modern silhouette adds a touch of fun and style to any indoor or outdoor space

Overall Dimensions: 73”(L) x 46“(W) x 78“(H); Weight Capacity: 265 lbs.

resin outdoor patio furniture

Resin Outdoor Patio Furniture Dining Bistro Set

Patio Furniture Stores In Trinidad

The ability to be comfortable and remain stylishly in fashion has evolved. In the past, manufacturers seemed to struggle with creating concepts that could take a beating from Mother Nature while retaining a sound architectural design. This is no longer the case as these outdoor furniture companies have gone above and beyond all expectations.

Quality varies vastly when it comes to outdoor patio furniture brands. As with everything in life, manufacturers have different standards of quality control. Attention to detail and customer service. These are among some of the factors that were used to compile this list of the Top Rated Patio Furniture Trinidad Stores.

Wood You Furniture -53 Tragarete Rd, Port of Spain

Roopnarine Furniture Gallery – Building 4, 172-198 Caroni Savannah Rd, Caroni

Courts Megastore Trinidad – Churchill Roosevelt Highway, San Juan

Signature Selection – Tissue Drive, Macoya




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Ascot Gardens Arima Home For Sale

Owner migrating. Check out this Ascot Gardens Arima Home For Sale. A well maintained home in a quiet gated community in Arima Trinidad.

Ascot Gardens Arima Home For Sale

ascot gardens arima home for sale

Ascot Gardens a gated community in east Trinidad. Located within Caparo in the borough of Arima. Situated on the southern side of the Churchill Roosevelt Highway with easy access to all amenities. Piarco International Airport, Guanapo and St. Helena are locations less than ten minutes away.

Buy This Ascot Gardens Arima Home For Sale

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Area:  Ascot Gardens | Arima 

Bedrooms: 3

Bathrooms: 2

Parking: 4

Size: 5,000 sq ft

Land: Freehold

Price: TTD 1,445,000.00 (neg) .

Contact:  (868)-759-1712  

Ref: TnT1071

Price adjusted for quick sale. A quiet neighborhood for families to foster and grow. Built in 2010, this is a well maintained home for sale in Arima Trinidad. Move in ready with stainless steel appliances (TBN).

Bedrooms – (3)

There are three bedrooms. Two 12 x 12 and a master that is en-suite. Air-condition units (needs repair) and tiles are in all bedrooms.

Bathrooms – (2)

One bathroom serves the two smaller bedrooms and visitors. Master bathroom is private.

Kitchen

Women will need to update this kitchen. A bit on the small side and in need of more cupboards. The stainless steel appliances adds value and potential to the space.

Living Room

The living area measures approximately 14 x 14 and hold a living room set comfortably. Air-condition enhances the quality of the space. Modern colors and an accent wall make a statement.

Yard

Approximately 30 x 30 sq ft of yard space is available. Bearing Chinese coconut trees are in the back yard. Thousand gallon tank and pump is installed for an adequate supply of water.

Upgraded Ascot Gardens Home For Sale

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Cheap Homes For Sale In Trinidad and Tobago

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Property For Sale In Sangre Chiquito

This is a great residential and/or commercial property for sale in Sangre Chiquito. With 6 lots of land there is enough land to build apartments and expand.

Sangre Grande. … The Spanish name for blood is ‘Sangre’, so they called the larger tributary ‘Sangre Grande,’ grande meaning ‘big’ in Spanish; and they called the smaller river ‘Sangre Chiquito,’ chiquito being the Spanish word for ‘small’

Property For Sale In Sangre Chiquito

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New Property For Sale In Sangre Chiquito

Area:  Sangre Chiquito | Sangre Grande

Bedrooms:

Bathrooms: 2

Parking: 5

Size: 30,000 sq ft ( 6 lots)

Land: Freehold

Price: TTD 2,500,000.00 (neg) .

Contact:  (868)-759-1712  

Ref: TnT1073

Located on the Eastern Main Road with parking this property is full of potential. Newly built bar comes with tiled floors, gypsum ceiling and air-conditioned. Six lots of land in total for $ 2.5 million make this a steal of a deal. Lights, water and all necessary paper work are available for  potential buyers.

Land for sale in Sangre Chiquito. Five lots of land are available for apartments or business. Flat land with all the amenities makes this an investment opportunity.

Sangre Chiquito, a small village located after Sangre Grande. Sea bathers use the Eastern Main Road which passes through Sangre Chiquito to get to Manzanilla Beach making it a potential goal mine.

TnT Homes For Sale can sell your home or property. Looking for a home in 2018? Check out our Facebook Page, Youtube channel, Twitter and Homes for Sale In Trinidad website.

Advertise on our website for FREE. This is a limited offer and special conditions may apply.

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Organizing Your Wardrobe

How to start organizing your wardrobe properly once and for all. After all, learning how to organize your wardrobe can save you so much time and energy.

organizing your wardrobe

Organizing Your Wardrobe

Understand the Reasons for Organizing the Wardrobe

It is important for one to realize why he or she needs to arrange their wardrobe in an organized manner. In most cases, the major reason for most people is to get the available space organized and well utilized.

This enables one to do away with statements such as I cannot find this, what am I wearing today among others. These are common complaints heard daily in most homes, and it comes from unorganized wardrobes.

Therefore, one should first understand the need for an organized wardrobe, and this will act as the driving force.

Steps To Organizing Your Wardrobe

Empty the Wardrobe

The first step will be to empty your wardrobe. Then get started with the arrangement. Here one is in a position to see all the clothes he or she has and available space for sorting clothes once put inside the wardrobe. Sorting becomes very difficult when things are removed one at a time and so removing everything is, therefore, the best option.

Access the Available Space

At this step, those with plenty of space have an advantage because they would be able to house all their clothes in an organized way. However, for those with less space can also find a solution to working with the space that they have by having small sections of different clothes. This can be done by either hanging or use of shelves and drawers

Sort the Items

Do not procrastinate at this stage. Clothes can be sorted depending on frequency of use and season. What action to be taken either cleaning or mending, donating to charity and the giveaway.


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