Alma & 10th – Availability, Plans, Prices

At a Glance

• located at the corner of Alma & West 10th Avenue
• 4-storey mixed-use concrete building
• 32 condominiums
• 7 retail units at grade
• 80 underground parking spaces
• short walk to Broadway commercial district
• close to top schools
• near Jericho Beach & Spanish Banks watersports

Classically-Inspired
Contemporary form transitions into traditional charm to enhance this upscale neighbourhood. Classical lines and columns, large windows​,​ and a dramatic light and dark colour scheme distinguish this four-storey mixed-use project designed by Rafii Architects. The light marble outer structure contrasts beautifully with the sleek, modern backbone of the building, creating an interesting transitional juxtaposition of form which fits in nicely with the elegant and timeless aesthetic and scale of the surrounding neighbourhood.

Perfectly situated to take advantage of everything the city is famous for, there is an amazing array nearby of boutique shopping, intimate fine dining, as well as contemporary casual cafes, pubs, and restaurants to fit any mood or occasion. This great family neighbourhood has many excellent educational resources including private schools like St. George’s and West Point Grey Academy, and well-regarded public schools such as Lord Byng. UBC is next door and transit access to downtown is fast and efficient. Oceanfront recreational opportunities abound from the gorgeous sand beaches at Jericho, Kits, and Spanish Banks where you can swim, relax, take out a kayak or sailboat, or have a picnic.

Pricing for Alma & 10th
Landa have not yet made pricing for Alma & 10th public. Serious buyers are advised to sign up to our VIP list above for priority access to Alma & 10th updates.

Floor Plans for Alma & 10th
The following mix of residences are proposed for Alma & 10th:

• 29 x 2-bedrooms
• 1 x 3-bedroom
• 1 x 3 bedroom + den

Contact me today to discuss availability and plans according to your needs.

Amenities at Alma & 10th
All homes on the second and third floors have enclosed balconies. There is a also a small shared terrace on the second floor. Each of the top floor residences have open balconies with planters and their own outdoor staircase to a private roof deck.

Parking and Storage
Two levels of underground will provide parking for 80 vehicles – including 16 for retail, 6 for visitors, and 3 handicapped – and storage for 46 bicycles – 14 vertical, 33 horizontal. Eight bicycles can be accommodated at grade for visitors and one Class B loading space is proposed. All resident storage is in-suite.

Maintenance Fees at Alma & 10th
TBA.

Developer Team for Alma & 10th
With a history extending almost 30 years, and business operations stretching from Hong Kong and the Chinese mainland to the North American market, Landa has built its success on its unique vision, rich experience, genuine quality, and positive enterprising spirit.

Established in 1983, Rafii Architects is a Vancouver architectural firm offering comprehensive services in architecture, urban design, planning, and interior design. Rafii Architects provides client-focused consultation with a collaborative approach to each project. Their reputation is characterized by a proven ability to work with public officials and challenging client programs, while maintaining a timeless and refined design philosophy. Rafii’s extensive portfolio includes many well-received projects throughout the Greater Vancouver area, Vancouver Island, Alberta, and the US with particular recognition for high-rise residential and mixed-use projects.

Expected Completion for Alma & 10th
TBD.

Are you interested in learning more about other homes in Kitsilano, Point Grey, or Kerrisdale?

Check out these great Kitsilano Presales!

The post Alma & 10th – Availability, Plans, Prices appeared first on Mike Stewart.

from Blog – Mike Stewart http://ift.tt/2BMivT7

The Granville – Plans, Availability, Prices

At a Glance

• located at the corner of Granville and West 7th
• 8-storey, mixed-use concrete building
• 41 condominiums
• 4 retail units at grade
• numerous restaurants, shops, services in neighbourhood
• 10-minute walk to Granville Island
• convenient transit options on Granviile & Broadway
• 7th Avenue bike route

An Exclusive Collection
The Granville is comprised of three forms stepping up and away from the commercial street to the eight-storey high portion of the building. Retail spaces are shaped as separate units to follow Granville Street’s character and to break the building proportion to a pedestrian scale. Stone cladding will be used to give a warm and grand look to the stores. The residential portion steps back and rotates at the third and sixth storeys. As a result, residents will enjoy large patios with lots of sunlight and planters along edges.

Be A Presale Condo VIP!

Find Out About New Presales & Get Access to VIP Openings & Special Promotions!

Are you a realtor? Click here

• First/Last Name *
• E-mail *
• Phone
• *
  Select A Region * Vancouver Downtown Vancouver East Side Vancouver West Side Vancouver South North Shore Burnaby/New West Coquitlam/Tri Cities Richmond Langley/Surrey
• I Am Interested In *
  New Vancouver Presale Condos Buying a Condo Selling my Condo
• Realtor Status *
  I already have a Realtor I don't have a Realtor yet
• Comment/Notes
• Page Label
• Type
• Receipent
• Security Code *
  

  
• Should be Empty:

At the intersection of Granville Street and West 7th Avenue, The Granville is located in the midst of a well-developed community with a mature commercial district. Within the neighbourhood, you’ll find a wide variety of cafes, ethnic restaurants, shops, and professional services. Granville Island, with its famous market, vibrant arts scene, and pioneering craft brewery, is only a 10-minute walk away. Going to downtown Vancouver, Kits Beach, UBC, or Olympic Village? Numerous transit lines along Granville Street, Broadway, and 4th Avenue, as well as the Off Broadway bike route, make it easy to get there. With the Millennium Line extension along Broadway, a metro station will be just a five-minute walk away.

Pricing for The Granville
This development is currently in pre-construction phase. Sign up to our VIP list above for priority access to updates for The Granville.

Floor Plans for The Granville
The Granville will offer 41 luxury condominiums with the following family-friendly mix:

• 9 x 1-bedroom
• 16 x 2-bedrooms
• 16 x 3 bedrooms

This is a rare offering of residential units in a long-established commercial area. Don’t miss out on this outstanding opportunity to own a home in such a highly desirable location. Contact me today to discuss availability and plans according to your needs.

Amenities at The Granville
The Granville will have 239 sq ft of shared amenity space on the ground floor. A corner plaza at 7th & Granville will have seating and landscaping, which would be suitable as a patio for a cafe or restaurant in the adjoining commercial unit. A 24-stall Mobi bike share station is located beside the residential lobby entrance on 7th Avenue, a designated bike route.

Parking and Storage
Two levels of underground parking are accessed from the lane offering 48 residential vehicle stalls and 15 commercial stalls, of which four are for handicapped. Bicycle storage is provided by 52 spaces. There are also six visitor bicycle stalls at street level. Two at-grade Class B loading bays are located on the lane side, beside the entrance to the underground.

Maintenance Fees at The Granville
TBA.

Developer Team for The Granville
With more than 20 years of experience in developing quality real estate in China, Hong Kong, Australia, and Canada, Aoyuan Property Group has successfully implemented innovative concepts into various property development models from high-end residential developments to sports and education. They strategically integrate lifestyle concepts into their developments to create healthy, harmonious experiences to add value for their customers.

IBI Group, a globally-integrated architecture, planning, engineering, and technology firm, has been retained as architects for The Granville. From high-rises to industrial buildings, schools to state-of-the-art hospitals, transit stations to highways, airports to toll systems, bike lanes to parks, they have designed every aspect of a truly integrated city for people to live, work, and play.

Expected Completion for The Granville
TBA. Sales are expected to begin this spring/summer.

Are you interested in learning more about other homes in Kitsilano, Fairview, or Kerrisdale?

Check out these great Kitsilano Presales!

The post The Granville – Plans, Availability, Prices appeared first on Mike Stewart.

from Blog – Mike Stewart http://ift.tt/2sPDL7M

Continuum at Nature’s Edge in North Vancouver

Continuum at Nature’s Edge by Brody Development is located at 856 Orwell Street in Lynnmour.  This new development will have 23 strata units, approximately three two-bedroom, 19 three-bedroom with double attached garages and one four-bedroom.  All have rooftop decks, A/C, HRV, hot water on demand and elevated interiors and finishings.

The post Continuum at Nature’s Edge in North Vancouver appeared first on Vancouver New Condos.

from Buildings – Vancouver New Condos http://ift.tt/2ChhKTe

Continuum at Nature’s Edge in North Vancouver

Continuum at Nature’s Edge by Brody Development is located at 856 Orwell Street in Lynnmour.  This new development will have 23 strata units, approximately three two-bedroom, 19 three-bedroom with double attached garages and one four-bedroom.  All have rooftop decks, A/C, HRV, hot water on demand and elevated interiors and finishings.

The post Continuum at Nature’s Edge in North Vancouver appeared first on Vancouver New Condos.

from Buildings – Vancouver New Condos http://ift.tt/2ChhKTe

What is the FICO 8 Bankcard Score

The FICO 8 Bankcard Score is a credit score specifically designed for the credit card industry. Here’s what we know about the score and how it can affect you.

You want to know your credit score, right? You know–THE Credit Score–as in, the one and only. As it turns out, that’s mostly a fantasy. There is no one credit score. In fact, each consumer has many.

If you subscribe to one of the free credit score services, you’ll get a credit score. But chances are, it’s not your real credit score. At least, it’s not the one that a lender is likely to use.

You Have Many Different Credit Scores

Free credit scores are usually educational scores. These credit scores are designed to parallel lender credit scores. Free credit score providers can obtain these free. This is why you can get them for nothing.

But their main purpose is informational. They let you know approximately where your credit scores are without revealing the actual scores that lenders use. These credit scores are typically based on an approximation of the FICO scoring algorithm.

Many lenders will use official FICO or VantageScore scoring models, depending on their preferences and practices. Those credit scores may be slightly different from what you see as an educational score.

But even when it comes to official FICO scores, there’s still some room for mystery.

Surprise!–There’s More than One FICO Score

There are several FICO scores. FICO released the FICO Score 9 most recently. But many credit card lenders, in particular, still prefer the FICO Score 8. But FICO has several other scoring models, most of which are geared towards specific types of lending situations.

For example, the most common scores used in auto lending are FICO Auto Scores. The most common scores used for mortgage lending are FICO Scores 2, 4, and 5.

Credit card companies are the ones that use the biggest variety of FICO scores. Credit card issues may use the FICO Score 3, the FICO Bankcard Score 2, 4, or 5, or the FICO Bankcard Score 8.

Each of these models weights information in a slightly different way in an effort to get lenders the exact information they need. So they’re all important. But since credit card applications are probably the most often-used, the FICO 8 Bankcard Score–the most popular option for credit card issuers–is particularly important.

What is FICO 8 Bankcard Score?

Since FICO 8 Bankcard Score is specifically designed for credit card lenders, it uses credit criteria more conducive to that type of lending. For example, such a score might put more emphasis on your payment performance on credit cards than it does on mortgage loans, student loans, or auto loans.

It may also give greater weight to your credit utilization. After all, that particular credit criteria focuses specifically on credit cards. So it will carry greater weight with credit card lenders. A credit card lender would be more concerned that you are close to your credit limits than a mortgage lender or auto lender might be. These other lenders have the advantage of collateral to secure their loans.

This doesn’t mean that FICO ignore some credit categories in favor of others. They still provide a basic breakdown of the five factors that determine your credit score. On a broad level, these will hold true no matter which credit score you’re looking at. But each variety of your FICO score will give slightly more or less weight to certain indicators. This just helps make credit scores more useful for particular industry lenders.

Who Uses FICO 8 Bankcard Score and How is it Used?

As noted above, credit card companies are the primary users of the FICO 8 Bankcard Score. It is unlikely to be used by other types of lenders, due to the very specific nature of the scoring model.

The purpose of FICO 8 Bankcard Score, from a lender’s standpoint, is to predict performance specifically related to credit card loans. It gives greater weight to a borrower’s performance on credit cards than on other types of debt.

This isn’t to say all credit card lenders use FICO 8 Bankcard Score, or even a specific alternative. The credit card industry is highly decentralized. Each lender establishes its own guidelines. They can use any one of the wide variety of FICO scores or an alternative like the VantageScore or an in-house model.

If you’re looking to apply for a credit card, you can ask the creditor which score they use. Not all will provide this information, but it’s always worth asking.

How is FICO 8 Bankcard Score Different than Other FICO Scores

In addition to being slanted specifically toward credit card use, FICO 8 Bankcard Scores have a wider scoring range than other FICO scores. The range is between 250 and 900, compared to a range of 300 to 850 with the other scores.

There’s also a difference in the way FICO calculates these scores. As noted earlier, credit utilization ratio is given greater weight. It normally accounts for 30% of your credit score, and is second only to payment history in its contribution to your score. Under FICO 8 Bankcard Score, a high credit utilization ratio is more damning than it is for other FICO versions.

This makes sense with credit card use. A high ratio could be an indication that a borrower is having cash flow problems. This sends up a warning flag for potential credit card lenders. In the credit card universe, a high credit utilization ratio is a major predictor of default.

Ironically, FICO 8 Bankcard Score is less likely to penalize you for an isolated late payment. It will still have a negative impact, but not as much is it will with other FICO scoring models. Conversely, if you show a pattern of consistent late payments, even in the 30-day range, the negative impact is likely to be greater than it will be with the other scoring models.

Managing Your FICO 8 Bankcard Score

It’s natural for consumers to want to optimize their credit scores. If you want to do the same with FICO 8 Bankcard Score, perhaps because you frequently take advantage of new credit card deals, you’ll need to concentrate your efforts on those areas of your credit the scoring model specifically evaluates.

This will include making your payments on time, and, of course, keeping your credit score utilization ratio as low as possible.

Still another credit category to keep close control of is applying for new credit. If you are applying too frequently, it will have greater negative weight than with other FICO scoring models. Credit card lenders may see it as a sign that you are looking for new credit anywhere you can find it.

Confused? It’s not just you. Credit scores aren’t as simple as we like to believe. FICO 8 Bankcard Score is just one example.

• Visit myFICO to view your FICO 8 Bankcard Score

Topics: Credit

The post What is the FICO 8 Bankcard Score appeared first on The Dough Roller.

from The Dough Roller http://ift.tt/2HGCgfx

Why personal income plays a large role for mortgage qualifications

The post Why personal income plays a large role for mortgage qualifications appeared first on Team RRP.

from Team RRP http://ift.tt/2GCbX8S

Citi Simplicity Card Review – 0% Intro APR for 18 Months