The first step to buying a HOUSE in Canada - A Credit Card! ✅

Buying a house is the most important and expensive decision that you are going to take in Canada - however, it is really important that we prepare for it from Day 1 - which is when we get a credit card.
In this video, we will talk about the 5 rules that you need to follow in order to improve your credit score from day 1. We will also talk about what makes a credit score and what can we do to improve it in a very short time.
Disclaimer: These videos are our personal views and opinion, they should NOT be considered as legal advice. We are not affiliated with any government organization or division. We assume no liability for how the information on this channel is used or interpreted and hence take no responsibility for any decisions that is made with regards to your application based on the information shared on this channel.
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[@architsharma6524]

I am a mortgage underwriter and points shared makes sense.

[@MsLizzie50]

If you find the videos beneficial, please do watch ads completely. I respect them alot, but need to save money. So, I watch one ad atleast completely :) Best channel EVER! You made my friend consider using credit card, who is strictly a believer in no spending anything on loan, just spend from your current savings/money which you have. :) Kudos!

[@arindamgupta6470]

A very engaging and fun way to talk about such a critical component of anybody's future success in Canada. Keep up the good work pal!

[@Potatotalkies]

Thanks 😀👍

[@karanbatth8007]

Very informative.. thank you for putting this together!

[@vikrantkulkarni1241]

That was damn interesting, and so clearly explained.

[@kartarsingh3394]

Interesting and important.. we appreciate your hard work and good wishes to you

[@Deepanshukaushik8]

Very well explained. I’m sure about that after watching this video Simran will have a better understanding of the topic 😊

[@prabhjeetsingh4965]

Thanx buddy i almost follow each and every Canadian vlogger. However, not a single vlogger has made any video on credit history. Keep up the good work thanx for sharing your knowledge .

[@Potatotalkies]

😀👍

[@BhavishyaBhatt]

Thanks for making videos even in these time. Your information are really very good. #fan you both rock together.

[@Potatotalkies]

😀👍

[@naveenaluri9344]

wow, such useful information. thank you.

[@tech4tie7]

bundle of thanks sir for this kind of information

[@sumeetgavade8492]

Thank you very much, that was very informative and crucial on details 👍👍

[@Potatotalkies]

👍👍

[@imthushar]

Very informative video. First of this kind and you nailed it.

[@Potatotalkies]

Thanks :)

[@travelingdiary5886]

You guys are doing best work...tysm for guidance

[@Potatotalkies]

Thank you 🤩🤩

[@sundaramsharma6210]

Thank you so much for this amazing information

[@asbindra]

Very informative post. Well researched and very beautifully presented. Keep up the good work👍

[@Potatotalkies]

Thanks 😀🤗

[@GurbaniAadhar]

Very Informative and Awesome Collaboration 🤘🏻

[@Imrankhanitsme]

This was highly useful. Thanks. I am certain it will come in handy. Keep making more such stuff. If you brief on some basic policies/laws on having multiple jobs, legal restrictions of having extra income, etc.

[@Potatotalkies]

It depends on the employment contract you sign.

[@harshadkh8798]

Very informative,Thank you

[@sajjadsaiyed]

Good research results in a good video. Keep it up 👌

[@Potatotalkies]

😀👍

[@germaineboatwala-sidhva1079]

Really crucial video! It's so easy to get into debt on a credit card! But if you use it responsibly it helps you have good credit.

[@Potatotalkies]

👍👍

[@nonu417]

Quite informative! Very useful for new immigrants. Liked the dual presentation of Navjot sir in a very interesting way!

[@Potatotalkies]

Thank you ... tried something different 😀

[@fantasticworldofcrystal]

This video was not at all boring. Infact, it was quite interesting with a lot of new information. 👍👍👍

[@Potatotalkies]

😃😃

[@alans2352]

I know that your main audiences are Indians but do you mind just speaking English so that we can all understand? I'm so sorry I dont want to be rude You keep switching and I sometimes get distracted. And anyway, if somebody's English is not good enough to come to Canada , why would they need to watch these amazing videos? Thank so much. You are amazing

[@dushyantsingh49]

Informative as well as entertaining Video Paji..

[@jerinaelsa]

Thanks for the awareness. Please make a recent video on this based on your experience and knowledge.

[@musaaltaf6561]

an informative video for all....thanks bro👍

[@Potatotalkies]

👍👍

[@brotherhoodconsultancy254]

V good knowledge.. that know one ever has given. Will keep it in mind as planning to move to Canada. Keep discussing this type of topics rather than groceries bill. Aashish Mehta.

[@Potatotalkies]

😀👍

[@dollygoradia211]

Very informative and simply explained 👍🏻👍🏻

[@Potatotalkies]

Thank you :)

[@jagjit967]

Navjot, you have the enormous talent of making videos.🇨🇦

[@Potatotalkies]

Thank you 😀

[@bluemooncinemahd599]

amazing explanation ....thank you

[@sumitmaitraa]

Love your video content

[@mahmadalimomin2502]

Very nice video good information mentioned I like it very much and very important for newcomers and students and immigrants very great job done thank you very much for your time and hardworking.

[@Potatotalkies]

😀👍

[@jmschoudhary9063]

It's a very knowledgeable and relevant video Najvot aka Shanky.... Brilliantly presented... I've shared it to many of my friends... Enjoy Rab Raakha...

[@Potatotalkies]

😃😃

[@olsonpereira2405]

Very informative..thanks

[@poojavlogs7063]

Thanks for info

[@meanoopnandakumar]

Very informative ...... love your videos .....cheers

[@Potatotalkies]

🤩👍

[@amangrewal490]

very good information. thanks sir

[@bhaskarsoni3092]

Ek number video bro 🔥🔥

[@amrishsinghdhami5579]

very nice and interesting video.. Thanks!

[@Potatotalkies]

😀👍

[@loyalpur2kosmopolitan]

Indeed Mrs.Navjot miss this topic. It is most important for every expatriates

[@Potatotalkies]

😀👍

[@jaskaransingh5657]

Navjot job well done at explaining all these points. Specially it makes sense for people from India and other countries where credit cards have not yet taken off that well and the penetration and credit infrastructure is still not that developed. However, I would say the advice to make any expenses (after 30% limit is reached) using debit card or cash can be avoided, just that the credit used should not cross 30% at any time (though I know that you did say that). If one can anticipate more than 30% credit usage then just pay off the already used credit limit. Rest of it great content

[@Potatotalkies]

👍👍👏

[@sagarsridhar98]

Excellent video

[@gurujyotsingh4781]

Something really infor.🤘

[@Potatotalkies]

😀👍

[@shailaaman1637]

Fantastic bro 👍

[@durgeshvengsarkar7077]

Excellent information

[@freshoutofboat4287]

Great Video - I think it will help all new comers a great deal...

[@Potatotalkies]

👍👍

[@lakhpatraihostel]

Very helpful information

[@Savalakh_22]

brother as usual nice video

[@Potatotalkies]

Thanks :)

[@KhushmanpreetSingh]

I laughed so hard when Navjot from the Past said," Mera Bhi Byeeeeee....." :D

[@Potatotalkies]

😜🤣

[@jikkuthankachan6671]

I'm From Kerala and I just subscribed now :) you guys are awesome :)

[@jaswantdhaliwal7304]

I am very impressed by the way you explain things in detail. I have credit score of 860 still I watched your video till end to know if you have any different theory. You guys rock🤟

[@Potatotalkies]

😀👍

[@stanfordjones7586]

I bought cvv from dumpsmasterlord on telegram,best vendor I know and trustworthy, he sells 💳 credit cards,cash app,drops and dumps all all kinds of works

[@mazharali9900]

You are the best.

[@lubnaambreen2255]

Very well explained !!double likes for double roles 😊👍👍

[@manjunathams8865]

No need of any guest.. you guys are enough..always I feel eager to listen to you and watch your contents.. creativity 👌 started spending more time here than on Instagram 😜

[@DrBilalHussain]

Hey pa ji! Sasriakaal from Hong Kong! Thank you for your videos! :)

[@Potatotalkies]

😃👍

[@varshakalra4926]

Hey Navjot, flashback was super cool!! Simran, you too should have been there in flashback scolding him for not using cards prudently 😁. Jokes apart, it was interesting topic you touched upon Nav and of corruption a must to be aware of!!!

[@Potatotalkies]

Hahahah

[@kamalmarok]

Hehe I like that special guest appearance. 🤣🤣🤣

[@Potatotalkies]

😀🤣

[@anunischal2948]

It's really helpful 👌👍 god bless

[@Potatotalkies]

😀👍

[@chakarwartibhardwaj1370]

Precise and to the point information. lot of Good advice just in 11 min. I like you initiative to provide information in less time(not increasing the time of video unnecessarily) Missing Simran Bhabhi ji in this Vlog As she always make us laugh during the video. Take Care of yourself Stay Safe Stay Home!

[@Potatotalkies]

Thank you 😀 I know, she is the funny one 😀

[@Maverick-ld2xc]

This is helpful

[@kumailjemani3823]

Hi, I'm new subscriber and I missed your live q&a session Awaiting soon and please let us know where we can find second hand things for house setup

[@Potatotalkies]

Value village is great... furniture bank too.

[@zeekayv]

Hi Navjot, thanks for the advice. Should the same principle of buying a car on a loan apply to buying a house?

[@chakraview389]

Koi boring nai h bhot achi video thi sahi mein :))) very helpful for big spenders like me 🥴🤣

[@Potatotalkies]

😃👍

[@evaangel9345]

Guys you are doing great.. stay blessed n keep it up... Well 1 thing i didnt get clearly.. as you mentioned at the time of arrival, your credit score was around 618. Right.. was that score affected/considered your credit history back in India or it was kind of minimum score assigned to you right after opening your bank n getting credit card. ?? I know linking it with India doesnt make sense however as i said i made me a bit confused to could you please make it clear to me..

[@musaaltaf6561]

What a guest bro...😂 Wish u best of luck for ur new life bro✌️👍

[@Potatotalkies]

😀

[@shenisundar5837]

Informative vlog Bhai

[@Potatotalkies]

Thanks!

[@santoshkumaragnihotri6646]

Bhai really special guest SE mil ke Maza aa gaya

[@Potatotalkies]

🤣🤣

[@pankajdey8959]

Paji tusi great ho

[@adriankennett1154]

Thanks for simplifying it, and love the flashback Navjot. I had one question. In one of ur video u had mentioned to not take the bankers cheque and u did a wire transfer to Scotia bank which helps increase your credit score.. Can you please elaborate how that really works? Thanks Mate

[@heyshine8431]

yes, even i want to know that.

[@Potatotalkies]

Hey, naa... that's not true for Canada. now I know that :) I mixed it up with Hong Kong's credit bureau where I have lived for 4 years thinking that credit cards work the same everywhere:)

[@adriankennett1154]

@@Potatotalkies Ohh OK. Thanks for letting us know that. So in that case I will proceed with the bankers cheque. Have a nice day ahead mate..

[@heyshine8431]

@@Potatotalkies Now I understood, thank you for clarifying.

[@rdicxon]

Hi Navjot....I have recently joined your channel....really like the way you guys share information. Please confirm here in Canada the credit score you get when you get the credit card....has anything to do with Indian credit history?

[@Amiralyb]

Good informative video :) . I would agree to all your points BUT you need to see that you don't have credit cards from all the banks. You should have at-lease 1 Visa and 1 Master (as some stores only accepts Master like Costco, NoFrills etc). I have manage to have more credit cards and are able to pay them on time and utilizing it 30% of credit limit still the lender will see how much you are spending and are paying it off and still you have money to survive (i don't know what this concept is called). Though lender will see that you are paying off your credit bills on time there are no hard credit check or any dues still the amount they will lend you will be less as you need money to survive so also consider that.

[@Amiralyb]

Few more things the credit check is hard credit check (which reduces your credit score regardless if your loan is approved or not) and other is soft credit check (no impact on your credit score) which is commonly done by internet/cellphone service providers when you get credit limit increase on your credit card(s). The other thing is you can check your credit score once in a year which is free (though your bank offers it for free but not all banks provides it for free). Thirdly, if you are checking your credit score frequently other then FREE (make sure its free and do read the fine print which as it will not impact your score) service provided by your bank/institution you could end up decreasing your credit score as credit beaurue will consider it as hard credit check request/inquiry. In Canada there are 2 credit beaurues Transunion and Equifax make sure your information is upto date with them.

[@Potatotalkies]

Thanks for the detailed info 👍👍

[@54neelkamal]

Well done 👍 missed simron

[@Reddylion]

Nice

[@pankajgambhir5771]

This rule is somewhat applicable in India too..

[@Simrandahion]

Useful information bro... Thanks for sharing.😊👍 What is the scope of marketing job in Canada and what type of product you sale in past and now??

[@Potatotalkies]

It's good in normal circumstances. My expertise is CPG marketing.

[@aasthadeshpande7085]

Navjot, Though Simran was missing from the vlog today, still its an insightful & informative vlog .

[@Potatotalkies]

Thank you! I missed Simran too 😀😜

[@JGJ9999]

Potato Talkies - Canada Potato Talkies - Canada dear sweetie couple. Ssa Aap dono ko. I must say u are making very nice vedios. U guys are blessed Aap ke sare kaam Mast ho rahe hain u reached Canada on time simran got job u got house and so on. Ran da shukrana Karo. Blessings to u both wah Guru thwanu chadhdi Kala vich rakhe. Pls what's app me on [phone] or [phone]. 🙏🏻🙏🏻🙏🏻WGJKK WGJKFF

[@Potatotalkies]

Hi, thank you so much. Please ping me on Instagram @potatotalkies and ask your questions there :) Will be happy to answer your questions there.

[@gaganbhambra2381]

Still waiting for the “Special Guest “....Good way to hold the attention of the audience...Lol...

[@princemushfiq]

His past guy was the special guest

[@Potatotalkies]

Haha... correct, Navjot from the past was the guest ;)

[@mushthaqrumy8909]

Thanks a lot for the informative video bro :) By the way did you all get two credit cards for the same account? TIA :)

[@Potatotalkies]

One credit card only

[@sushilk4]

Informative vlog....good work Other than tht. Put one tag line while ending each video..😊👍🏻

[@Potatotalkies]

Yes... need to think of something:) Thanks...

[@sushilk4]

@@Potatotalkies your welcome bro.. Ur doing good..n I want u 2 go high with this

[@kamalmarok]

There is one thing you are missing The credit score we check in scotia Bank that is made by Trans Union Credit Score.... Actually that's not real credit score we can get an idea though plus this credit score is only centred or limited to your scotia bank. Means if u take credit card from Canadian tire and miss the payments that will not effect your Trans Union credit score. But in real it will impact real credit score

[@Potatotalkies]

Thanks for the constructive input.. I agree, this is only indicative 👍

[@anksrao3355]

Nice info👍🏻 good work.. have you applied for the driving license?

[@Potatotalkies]

Not yet. They are closed.

[@sudeeppillai2501]

I like this couple a lot

[@jay39157]

Bhai,hatts off to your video. We get plenty of information from this. Pls tell me what are the other factors to buy a first house @4.5 to 5 Lacs Dollars in Can. Consider I have enough @20K down payment is available from the first day of landing.

[@abbakabb]

Planning to come to Canada, but cant make up my mind as m in my 32yrs of age. Plz share ur experience and advise about the same. Thanks and keep posting awesome content about Canada and your experiences

[@Potatotalkies]

Age doesn't matter. We are talking about a lifestyle change which will impact the next 40 years - not just for you but your family too. Btw, I am also 32 - so get what you are saying.

[@abbakabb]

@@Potatotalkies thanks a ton. Means a lot when someone understands what someone is feeling exactly. B safe and thanks again

[@RahulReddyMunakala]

Does the Indian credit score and history be counted in Canada? Is it possible to have bad credit history in India and make a strong 750+ credit score in Canada?

[@gurindersingh6302]

Make a video on buying a car in brampton...which car to buy and how much range it should be in.

[@Potatotalkies]

Will do when we get one.

[@rashmishetty6578]

Please can you share which site do you use to check the credit card score for your Indian and international cards like i was in the US for some time. Do scores from credit cards that were used in the US also matter in Canada

[@Potatotalkies]

You start fresh in canada. We check on credit karma.

[@Saather]

If someone has taken loan outside Canada and paid half of the amount and lost job and then couldn't pay the loan. The bank filed a case and that person had to pay fine but still has to pay off the remaining amount . will they check his credit history ? Will it affect on his PR application?

[@Potatotalkies]

Your indian credit history doesn't matter in canada as long as you don't have a criminal / fraud strike in india against you.

[@sandeepshresthasir]

nice editing

[@22kjs22]

Hey Navjyot!!! As you said if one is planning to buy a house in Canada, he or she has to start planning from the day one lands in Canada. My question is can an international student plan to buy a house in Canada?

[@Potatotalkies]

Sure.. you still need to build your credit history for when you are a PR and able to buy

[@whiskerrisker6616]

Hello...your videos are very clear and informative. I have a query. What if someones has enough money to pay for like 20% down for a house in canada within a short time of arrival from their previous savings. Can they get a house right away?

[@Potatotalkies]

Sure… but the rate of interest may not be the best as your credit score will be on a low end. Do check with a mortgage broker about your options

[@yanishppt]

Do they check your credit from your previous countries as well ?

[@Potatotalkies]

No

[@mybaap123]

Hello, You must have known me by now becoz i have already ask so many questions. Here is one more: Does my Cibil(Credit) score in India be applicable even when we start over with Banking in Canada or do we get a seperate PAN/Credit History there.. Also, does my previous Credit History have an impact on Credit Score in Canada

[@Potatotalkies]

You start fresh from scratch in canada

[@kanwalpreetsingh6213]

I am not sure but i have heard, that our credit score gets a hit as many times we check it..

[@Potatotalkies]

That's a myth. What we check is a soft enquiry which doesn't impact our credit score

[@princemushfiq]

Will the Canadian credit score and Indian credit score be the same ? For example if my credit score is 750 in India and if i move to canada and open an account will my credit score start from 750 or from base in Canada ?

[@Potatotalkies]

You start fresh in canada.

[@abishasan1]

Is the credit same for all countries? As you credit was ruined in India, did it carry to Canada?

[@Potatotalkies]

No.. start afresh in canada

[@abishasan1]

@@Potatotalkies thank you so much for this reply. This puts my mind at ease as my wife made mistakes. Btw I love your channel and videos

[@vedangshende1511]

I don't have credit card in India so if I get a credit card after landing in Canada, my Credit score will start from that time correct?

[@canadianjatti]

yes

[@shalinifernando96]

Hi Can you enable English captions for all of your videos ♥️

[@Potatotalkies]

I wish it was that easy :( Captions need to be made, which takes a couple of hours per video

[@sumitthaper3437]

Plzzz make a detailed video on the Quebec immigration system for those who are in canada & for those who are outside canada

[@Potatotalkies]

It requires a job offer or french! So, I dont see a lot of demand for it from india.