Wani bincike na baya-bayan nan ya gano waɗanne manyan biranen Kanada ke gabatar da mafi kyawun damar da za a iya amfani da su ga masu siyan gida idan aka yi la’akari da ƙaura daga Amurka.
Sakamakon nasarar zaben Donald Trump na baya-bayan nan, an sami karuwar sha'awar Amurkawa na komawa Canada, kamar yadda aka samu tashe-tashen hankula a binciken Google na neman kalmomi kamar 'Move to Canada' da 'Visa work Canada'. Wannan yanayin yana nuna ƙarin sha'awa tsakanin jama'ar Amurka don bincika yiwuwar ƙaura.
Binciken ya kimanta yuwuwar haya da kuma tsawon lokacin da ake buƙata don tara ajiyar gida. Manazarta sun yi amfani da matsakaicin farashin haya mai daki ɗaya da kididdigar samun kuɗin shiga na shekara daga Statistics Canada don tantance adadin kuɗin shiga da aka ware don haya.
Don tantance farashin gida, binciken ya dogara da bayanai daga Ƙungiyar Gidajen Gidajen Kanada (CREA) don kimanta lokacin da ake buƙata don adanawa don ajiya na 10% akan matsakaicin gida mai tsada. Masu binciken sun yi amfani da ka'idar kasafin kuɗi na 50-30-20 don ƙididdige tanadi na wata-wata kuma sun tsara biranen bisa lokacin da ake buƙata don adanawa.
Birnin Quebec ya fice a matsayin farkon mako don masu siyan gida waɗanda ke son yin haya yayin da suke tara tanadi don gida na gaba. Hayar hayar gida mai daki ɗaya na wata-wata kusan $911 CAD, ya bambanta da matsakaicin albashi na shekara-shekara na $50,500.
Wannan yana haifar da mazauna ke ware kashi 21.65% na kuɗin shiga na shekara don haya, yana mai da shi wuri mafi kyau don tanadin kuɗi. Wannan adadi ya ragu da kashi 37 cikin ɗari fiye da matsakaicin ƙasa, inda ƴan ƙasar Kanada yawanci ke ba da kashi 34.5% na kuɗin shiga na shekara don kuɗin haya.
An gano Montreal a matsayin birni na biyu mafi dacewa ga waɗanda ke haya yayin da suke shirin siyan gida. Matsakaicin haya na wata-wata na rukunin daki ɗaya shine $960, tare da matsakaicin kuɗin shiga na shekara na $43,800. Saboda haka, masu haya suna ware kashi 26.3% na abin da suke samu don yin haya.
An san St. John's, NL a matsayin birni na uku mafi fa'ida don yin hayar yayin da ake tanadi don mallakar gida. Matsakaicin haya na wata-wata yana tsaye a $904, kuma tare da samun kudin shiga na shekara-shekara na $ 39,100, mazauna suna kashe kashi 27.74% na abin da suke samu a gida mai daki ɗaya.
Toronto tana matsayin babban birni mafi ƙanƙanta ga masu siyan gida waɗanda ke neman zaɓin haya, tare da matsakaicin haya na wata-wata don ɗaki mai daki ɗaya wanda aka saita akan $1,691. Idan aka yi la'akari da cewa matsakaicin kuɗin shiga na shekara-shekara ga mazauna Toronto shine $41,800, wannan yana haifar da masu haya suna ware kashi 48.55% na kuɗin shiga ga farashin gidaje, wanda ke iyakance ikonsu na yin ajiya.
Vancouver yana biye da shi a matsayin birni na biyu mafi ƙanƙanta don yin haya yayin ƙoƙarin yin tanadi don gida. Matsakaicin farashin haya mai daki ɗaya shine $1,697. Tare da matsakaicin kuɗin shiga na shekara-shekara na $ 44,200, mazauna a Vancouver sun sadaukar da kashi 46.07% na abin da suke samu don yin haya.
Halifax, Nova Scotia, an gano shi a matsayin birni na uku mafi ƙarancin araha ga masu haya, tare da matsakaicin haya na $1,322 kowane wata don rukunin daki ɗaya. Idan aka ba da matsakaicin kuɗin shiga na shekara na $38,700, masu haya a Halifax suna kashe kashi 40.99% na abin da suke samu akan haya.
Yana da mahimmanci don tantance ba kawai mafi ƙanƙanta mafi ƙanƙanta biranen haya ba yayin adanawa don gida amma har tsawon lokacin da ake buƙata don tara ajiyar gida a kowane babban birni.
Yin amfani da ka'idar kasafin kuɗi na 50-30-20 dangane da samun kudin shiga na wata-wata, masu bincike sun ƙididdige lokacin da masu siyan gida masu yiwuwa za su buƙaci ajiyewa don ajiya na 10% akan dukiya.
Sakamakon binciken ya nuna cewa birnin Quebec ya fito a matsayin wuri mafi fa'ida ga masu siyan gida. Ba wai kawai yana fasalta mafi kyawun farashin haya ba amma kuma yana bawa mutane damar yin ajiyar kuɗi don ajiyan gida a cikin mafi ƙanƙantar lokaci.
Tare da matsakaicin kudin shiga na shekara-shekara na $ 50,500 da matsakaicin farashin gida na $ 343,200, ware kashi 20% na sakamakon samun shiga kowane wata a cikin lokacin ajiyar kusan watanni 40.77, wanda ke ƙasa da shekaru uku da rabi, don amintaccen ajiya na 10%.
Regina, Saskatchewan, tana matsayi a matsayin birni na biyu mafi dacewa don tara ajiyar gida. Tare da matsakaicin kudin shiga na shekara-shekara na $43,900 da farashin gida na $310,223, yana ɗaukar kusan watanni 42.39, ko kuma kusan shekaru uku da watanni shida, don adanawa don ajiya na 10%.
Winnipeg, Manitoba, tana matsayi na uku dangane da mafi saurin lokacin da ake buƙata don yin ajiyar kuɗi. Idan aka ba da matsakaicin kuɗin shiga na shekara-shekara na $42,300 da matsakaicin farashin gida na $346,654, masu yuwuwar masu gida za su buƙaci kusan watanni 49.17, wanda ke fassara zuwa sama da shekaru huɗu kawai, don adana 20% azaman biyan kuɗi.
Vancouver yana matsayin mafi ƙarancin babban birni na Kanada don masu siyan gida, wanda ke da tsadar haya mai tsada da kuma tsawon lokacin da ake buƙata don tara ajiyar gida 10%.
Tare da matsakaicin kudin shiga na shekara-shekara na $ 44,200 da farashin gida na yau da kullun na $ 1,193,808, zai ɗauki kimanin watanni 162.05-daidai da kusan shekaru 13 da watanni shida-don adanawa don ajiya, ɗauka cewa ana ware kashi 20% na samun kudin shiga kowane wata. Wannan lokacin ya kusan kusan shekaru goma fiye da wanda ake buƙata a cikin birnin Quebec.
Toronto tana biye kamar birni mai tsayi na biyu mafi tsayi da ake buƙata don ajiya don ajiyar gida. Tare da matsakaicin kuɗin shiga na $41,800 da matsakaicin farashin gida na $1,104,592, mazauna za su buƙaci kimanin watanni 158.55 don adanawa don ajiya na 10%.
Wannan yana fassara zuwa kusan shekaru 13 da watanni biyu, muddin dai mutane sun adana kashi 20% na abin da suke samu na wata-wata.
Lower BC Mainland yana matsayi na uku a tsakanin manyan biranen tare da mafi ƙarancin ajiyar ajiyar gida. Tare da matsakaicin kuɗin shiga na shekara-shekara na $ 43,900 da matsakaicin farashin gida na $1,128,008, masu siyan gida masu zuwa zasu buƙaci watanni 154.16 don ajiya don ajiya.
Wannan lokacin yana daidai da kusan shekaru 12 da watanni goma idan masu gida na gaba sun ware kashi 20% na kudaden shiga na wata-wata.
