“Big proof of confidence”: access the property with the help of his relatives

“It was a great proof of confidence on their part”: a Quebec mother could not have access the property without the support of her parents-in-law, who financed part of her project.

• Read also: Access to property: Do you really have the means to help your child?

Isabelle Simard. Meanwhile, 28 -year -old housewife, tried as best they can buy her first property with her spouse, who works in the construction field. Therefore, The solution to save: acquire land and embark on a self -construction project.

“We had difficulty borrowing from the bank, because my household status automatically harmed our file,” explains the mother of two. For example, It takes a lot of funds at the start for a self-construction project, so my parents-in-law offered to help us. Meanwhile, ”

Isabelle Simard was able to carry out the self-construction of her house. Meanwhile, in Saint-Eustache in part thanks to the financial support of her stepfather. Similarly, Credit: courtesy Isabelle Simard Courtesy Isabelle Simard

Thanks to a loan of $ 70. Therefore, 000 without interest or defined timetable, M^me Simard and his spouse were able to acquire land in 2024 for $ 170,000 in Saint-Eustache. However, A year later and an additional investment of $ 230,000 “big proof confidence”: access property later, the family spins the perfect happiness.

“It has reinforced our link with my parents-in-law,” she says. However, The fact that they invest money like that, it demonstrated that they had confidence in our slightly crazy dream. Therefore, “

Isabelle Simard can easily reimburse this loan: the house is now estimated at $ 700,000 per bank.

“The market is difficult”

Martine Descoteaux and her daughter, Myriam. Similarly, Credit: Martine Descoteaux Courtesy Martine Descoteaux courtesy

A woman of the meadow. Nevertheless, allowed her daughter “to be “big proof confidence”: access property less limited in her choice” by giving her a financial boost in 2023.

The previous year, Martine Descoteaux was in the mourning of her parents. Moreover, A only daughter, she received an inheritance of around $ 300,000, “a gift she didn’t need to live her life”.

The 55 -year -old woman did not have the will to imitate the generation of her parents. die with her wealth. She thus offered a portion of her inheritance to her daughter to help her finance her funding.

“My daughter. Myriam, was looking for a new condo, bigger, in order to have a child as a soloparental mother,” she says. I gave him $ 60,000, which allowed him to meet all his research criteria. ”

Myriam was able to acquire a condo on plan in Candiac for $ 585,000 and, without crumbling under the debts.

The daughter of Martine Descoteaux. Myriam, was able to buy this condo in Candiac thanks to the gift of her mother. Credit: Martine Descoteaux Courtesy Martine Descoteaux courtesy

“The market is difficult,” notes M^me Descoteaux. I compare with what we paid at the time for our house …. it’s crazy to go into life with so many debts. It was a way to help her reach an ideal. to be able to see her evolve in this ideal. ”

Aligned stars

Mélissa Aubry was able to buy her property at the epiphany thanks. to her parents’ financial support. Credit: Melissa Aubry courtesy Melissa Aubry courtesy

“I am delighted, happy, lucky, pampered … I do not know how to say it”: a Quebecer was able to buy the house of his dreams. thanks to an unexpected donation from his parents in 2024.

Mélissa Aubry. 36, did not intend to move last fall, but an opportunity fell from the sky: the “big proof confidence”: access property house that shared a adjoining wall with the home of her best friend was for sale.

“The stars have lined up,” says the one working in a law firm. But I would never have been able to buy the house all by myself. With the price of life, today, being single, it is not easy. ”

Mélissa Aubry was able to buy her property at the epiphany thanks. to her parents’ financial support. Credit: Melissa Aubry courtesy Melissa Aubry courtesy “big proof confidence”: access property

Only child. she received financial assistance from her parents, which enabled her to reimburse her car loan and file a fundraising for the townhouse, acquired for $ 390,000.

“The donation was about $ 175,000, but I like to say that it is a loan,” she explains, full of recognition. Thanks to them, I owner … I am very close to my parents. We are like the three musketeers. ”

“My father always repeated me. with his big heart:” Your heritage, you will not have it when I died, but in my lifetime “.

“We want to take advantage of our lifetime”

“My daughters would have arrived there without me. but it gives them a lousse for something else”: a retired woman from Quebec says she has invested in her family heritage by making generous donations to her two daughters.

An Anne Théberge “would like to give everything “big proof confidence”: access property during her lifetime to see her family flourish and be happy”. With this in mind. she made donations of several hundred thousand dollars to her daughters, Émilie and Catherine, in 2024, so that they buy a new property.

“Emilie lives in San Diego and she needed a bigger house for her family,” she explains. We live with her when we visit her, so it was normal for us to contribute to the purchase. ”

Her other daughter wanted to acquire a chalet in Mont-Sainte-Anne, which serves as a family second home.

“It was the meaning of helping them. because we have enough money to live the rest of our life,” she concludes. We want to enjoy it with them during our lifetime. When we bought our first house in 1988, my stepfather had lent us money. We got this chance and we wanted to give it back to our children. “big proof confidence”: access property ”