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. . i Rie Biya OG ye P46 EP 4 ee WOW CEEOE Gg OD ENE te ve ote 12A_ THE OSHAWA TIMES, Soturdey, September 19, 1964 eo building methods conducted by;to keep in mind 1s that of - 8 the National House Builders As-| 'choice'. Builders are finding it General Guide v3 W 1] sociation Research Committee|more difficult to locate land = T : in co-operation with Central) with the necessary community Mortgage and Housing Corpora-|facilities for good home con- For Payment ee ' tion and the National Research|struction. The excellent. loca- ; IT m nv r tm nt Council has contributed greatly] tions available in a community ; : in this field. this year may not be had at the Of NHA Loans | The latest step in this con- pret price --: if at all -- 18 Thousands of Canadians have;major step, now is a good time|Improved building materials tinuing research program will en oer: ' As a general guide, payments . Saiiictisd- in sew Goines. diiciaelth, thake voursdedeion, ° |and quality. in construction are|take place on September 25 at P The shortage of land suitable|to be made during the year on the past year and if you have| There is an excellent choice, Major factors. The component) Ottawa, when the NHBA Mark or development has been re-|your NHA loan and for munici- 4 y j 2 products of today's homes are/IV project will be - officially sponsible for a continuing pres-| pal taxes shoyld not exceed 27 | been thinking about taking thisjof homes available in most superior in both durability and| opened by the Hon. J. R. Nichol- sure on the selling prices of} er cent of your annual income, 4 ----jareas and certainly . today's! variety, Even the basic items, son, federal minister responsible homes. By utilizing improved|In establishing your total an- 'lless strenuous stair climbing.| modern designs offer the buyeT such as wood and concrete prod- for housing. \ techniques in their operations/nual income, the lender may Another advantage is the great-|an excellent product for hisiyets have been improved by Ready sources of mortgage) "ome builders have been able} consider any investment income «Z| er separation between the sleep-/money. By acting now a pur-\mitions of dollars and thou- funds, which over the years|'® maintain attractive prices on|vour wife may receive and, if ling and living area. If the lot}chaser can also take advantage)sands of hours spent. in re-/have been a real problem to the "°™ houses. she is working, up to 20 per cent jlyou have chosen is a sloping|°f the fact that the final 3 per/searching new materials for residential construction in-| But, the prospect of a reduc-|of her earnings during the year. Zione, the split-level would be|cent increment on the building] construction. dustry, are ample at the pres-|tion in housing costs is virtually) To determine how much you most 'useful in solving the prob-|Sales tax has not been applied ; ent time and this steady supply] out of the question. Every pennyjcan reasonably afford to bor- lems presented by such a lot. and this 3 per cent will likely BETTER TECHNIQUES of money has had a tendency to|SPent for a new home today is|row, take 27 per cent of your Each house-type has advan-\80 into effect on January 1, Great progress has also been decrease going interest rates. | Well invested. Facing the pros-jtotal annual income and sub- taxes. FINE OSHAWA HO eM Specific Needs Govern Designs House types vary considerably because they are designed to meet specific needs. The house in which you intend to live should be chosen with this idea in mind. At the same time you should relate your house-type considerations to your site and personal preferences. You would hot do yourself any favor by enoosing a house solely because of its attractiveness without giv- ing consideration also to its practical use in relation to the family needs. The bungalow offers many ad- vantages, the obvious one being the easy access to rooms which wife will appreciate this during the course of her work. Her only climb would be the basement stairs, Usually there are fewer accidents in a one-floor home, particularly where children and elderly people are concerned. FLOOR AREA The 1%-storey house provides the greatest amount area for the least cost, and allows for expansion if needed without interfering with external appearance if only the first floor is required at the outset. The one thing you should be aware of is that designs for this type of house often require dormers. ME -- JASMINE CRESCENT of floor lot and famyily needs. tages and disadvantages and the| 1965. wise person will consider the! | merits of each in relation to his|sons why the new home owner|A' constant process of field test- lis obtaining real value today.Jing and experimentation with' today's prospective home buyer) time to buy'. --" seman mat | made in construction techniques There are a number of rea-|employed by the home builder. QUESTION OF CHOICE pects of rising costs and limited}tract annual municipal |choice, those who know the/The remainder must meeet Another important point for) housing market say, 'now is the] monthly payments of principal and interest on the loan over each 12-month period. It takes should try to obtain a plan that allows for light through the gable ends. Many people prefer a house with an upper floor, but they may wish for more than two bedrooms. The two-storey is the answer in this case. It has hap- pened that a person likes a par- ticular neighborhood but can only find a narrow lot, and here the 2-storey house is the answer. It can be used to great advan- tage on a narrow lot where a wide frontage is impracticable. Due to its compactness the 2- storey -house is easy to heat, and would not present the heat- ing problems often encountered with a bungalow. The split-level is a relative newcomer to the housing scene and embodies some of the ad- vantages of the bungalow and the 2-storey house. One wel- come advantage is that there are only six or seven steps be- FIX-UP YOUR HOME OUTDOOR LIVING © Enjoy outdoor liying more make arrangements with us today . . » have that Patio to enjoy this summer ! RED, CHARCOAL OR GREY 8" x 16" Slab 2B CALI. US FOR FREE ESTIMATE PHONE 668-4159 HAMBLY CONCRETE PRODUCT HWY. 2 AT THICKSON RD. ACTRESS ALRIGHT $6.55 each month to replay LOS ANGELES (AP)--Anne|$!;000 of loan at 6% per cent | Blythe was reported in gooa| merest ~~ er enemy Wednesday at St. Vin-| vual income is $4,000. Twenty cent's hospital in Los Angeles} seven per cent of this is $1,080. after an operation. Spokesmen) when you deduct taxes say of said the 36-year-old actress un-|g949 your annual aedaant for derwent surgery last Wednes-| principal and interest is $840 | day and is to be released Thurs-| oy $70 monthly. To arrive at day. It had not been announced|the loan you can afford, take For example, say your an- pital, and the nature of the divide by $6.55. The answer will operation was not disclosed. (be $10,687, Plant Now ! Vy Imported DUTCH BULBS From VAN BELLE GARDENS "The Friendly Garden Centre" HIGHWAY 2. -- PHONE 623-5757 OSHAWA-WHITBY 3 MILES EAST that she was entering the hos-| $70, multiply it by $1,000 and' are all on one level. The house-/ As dormers add to the cost, you'tween floors which makes for WITH OVER $900,000 REAL ESTATE SOLD DURING FIRST MONTH IN BUSINESS . . « IsPleased to Announce the Opening of Their New Real Estate Office 08 Meus E 48 Simcoe St. South ACROSS FROM THE POST OFFICE FOR ACTION cau ACTIVE FOR Buying or Selling RALPH VICKERY BILL HORNER STEVE ZURBA DOUG WILSON HERTHA KIRK PAULINE BEAL President Vice-President Sec't-Treasurer | Sales Representative Sales Representative Sales Representative PAT MONROE Secretary WHERE REAL ESTATE IS SOLD NOT JUST LISTED Specializing In ST LOTR @ SUBDIVISION and LAND DEVELOPERS @ CONSULTING APPRAISERS e@ LOANS and MORTGAGES @ PROPERTY MANAGEMENT e@ RESALE HOMES e@ NEW HOMES e@ COMMERCIAL e@ INDUSTRIAL © OPEN DAILY 9 A.M. to 9 P.M. Where Real Estate Is SOLD! - « » Not Just LISTED! 48 SIMCOE SOUTH OSHAWA BOB JOHNSTON Sales Representative STEVE LEHAN GUY BELL | Sales Representative i, Sales Representative GALL "ACTIVE" GET MOVING 128-010f REALTY LTD.