Kin Real Estate
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🏡 Comment “OSHAWA” or DM me for the full breakdown! 📲
JUST LISTED: An Oshawa townhome option under $500K with 3 bedrooms, parking, and approximately 1,000 sq. ft. of living space.
For buyers who feel priced out of Toronto, this one may be worth comparing.
🏡 3 Bedrooms, 1 Full Bathroom, 1 Powder Room, 1 Parking Space
✨ Fresh Updates: New vinyl flooring, new appliances, and a new kitchen
🎓 Location: Close access to Durham College
🛒 Convenience: Easy access to Costco and nearby daily essentials
🚗 Parking: One parking space included
📐 Size: Approximately 1,000 sq. ft.
Financial Insights:
🔶 Listed Price: $465,000
🔶 Minimum Down Payment: $23,250
🔶 Total Mortgage: Approx. $460,304
🔶 Mortgage Default Insurance: Approx. $18,554
🔶 Monthly Mortgage Payment: Approx. $2,145
🔶 Maintenance Fee: Approx. $600/month
🔶 Property Tax: Approx. $150/month
🔶 Estimated Total Monthly Cost: Approx. $2,895
Income Requirements:
🔶 With Minimum Down Payment:
Household income needed: approx. $93,900/year
🔶 With 20% Down Payment:
Down payment: $93,000
No mortgage insurance
Household income needed: approx. $80,500/year
For first-time buyers, downsizers, or buyers looking for more space outside Toronto, this 3-bedroom townhome in Oshawa could be a practical option to compare.
📲 DM me if you want the details or similar listings in Oshawa or Durham Region.
Disclaimer: Numbers are estimates for educational purposes only and should be verified with a mortgage professional.
Listed by: ALIM SOVANI / GALAXY STARS REALTY INC., BROKERAGE
Listing Brokerage
01/11/2026
01/01/2026
2025 新年獻詞：點解我哋可以忍受自己一直咁痛苦咁活著？
各位好耐冇見嘅朋友，我係 Kin。
2025 年對我嚟講，係極之特別嘅一年。呢一年，生活節奏的確慢咗落嚟，但正因為呢份「慢」，反而比咗個空間我去重新審視自己嘅生命。
第一階段：從「向外求」到「向內修」
搬入新屋後，我開始走入社區。喺老人院陪長者傾偈、喺食物銀行派飯、支援單親媽媽、甚至參與將三文魚放歸大自然嘅保育工作。最重要嘅係，我終於放低咗部手機，帶住爸爸媽媽去旅行，睇吓呢個世界。
我發現，當我開始同社會上所謂嘅「弱勢群體」建立深層連結時，我內心嘅焦慮竟然慢慢消失咗。原來，「無私嘅付出」至係治癒身心最有效嘅良藥。
第二階段：誠實地面對內心嘅陰暗
當慈悲心慢慢長大，我嘅心境變得前所未有咁清明。呢種「清明」好殘酷，因為佢迫使我要真誠、慚愧地去望向自己一直唔敢睇嘅陰暗面。
我開始反思，點解我哋一直被教育：只要累積財富、追求慾望就可以得到快樂？其實呢條路只會令人越走越攰。我學習去接納、包容並轉化呢啲陰暗面，嘗試由追逐慾望嘅循環中抽身。
第三階段：戒掉「多巴胺」嘅成癮與痛苦
呢個係最痛苦嘅過程。我喺《多巴胺國度》呢本書入面得到啟發：大腦好似搖搖板，過度追求即時嘅快樂，背後必然會換嚟對等甚至更長久嘅痛苦。
我哋身處一個「快樂至上」嘅年代，卻缺乏「令自己快樂」嘅智慧。我哋成日為咗一刻嘅快感，而令自己陷入長期嘅習慣性痛苦。唯有內心堅強，先可以選擇一條「先苦後甜」嘅光明之路。 雖然艱難，但成果絕對豐盛。
結語：成為自己生命嘅燈塔
回望過去，我成日諗：點解以前我會容忍自己活喺嗰種痛苦無奈嘅狀態入面而唔自知？
答案好簡單：如果你唔努力去到下一個更高嘅階段，你永遠都無能力睇清上一個階段嘅自己有幾咁難堪。 只有不斷累積善法，先可以擦亮心境，明辨是非。
2025 年，係我活得最清醒、最無悔嘅一年。我想將呢一年修得嘅一點點功德分享比大家。
喺下元九運嘅大風大浪入面，希望大家都能夠擁有一顆清明嘅心，唔再倚賴外物去穩定身心。願我哋都能成為自己生命中嘅「光明燈塔」，做一個能夠抵禦內在風雨、超越命運嘅優良戰士！
祝大家 2025 年，身心清明，平安幸福。
Kin
2025 歲末
02/01/2025
“I would like to express my heartfelt merits and appreciation to the Wannapa Bhuboontem Foundation (Ajarn Oyy), along with disciples both abroad and in Thailand, who performed a great merit-making ceremony to release spirits at the Luang Pu Thongdee Anikho Dharma Practice Center in Nasam, Lom Kao, Phetchabun, Thailand. Ajarn Oyy played a pivotal role in this event, supported by her indispensable right and left hands, Ajarn Somchai Monsimkanwet (Ajarn Tay) and Ajarn Tan Seng Kiat (Ajarn Tep), who were highly important and skilled contributors. Sathu, Sathu, Sathu.”
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501 Queen Street W #200
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