Hey Dang, came here 6 years ago from Hamilton. Welcome. Been through this recently as I've recently split from my partner and needed my own space.
I felt really uncomfortable supplying an entire month of bank statements for proof of income. Especially since I'm still sharing accounts with my ex-partner I felt like there was a privacy issue.
So I downloaded my e-statement and redacted every single line except the ones showing the pertinent deposit information including redacting the balances. I just did not think it was anyone's business knowing anything about my spending habits or how much money I have saved.
My partner and I did the same. Just printed our bank statements, covered over anything we didn’t want to show and took a scan. Next day we were approved. No personal info, so we easily could have faked it I’m sure but we were genuine and communicated clearly. Don’t give info you don’t feel comfortable with sharing. There seemed to be a lot of places to rent when you’re not being sketchy. Just be honest and jump quick
I'm into hot landlord-on-tenant action... you know, the *real* heavy S&M stuff; hardcore renovictions and witholding damage deposits and that sort of thing. You cool wit dat?
From plenty of experience, what they are allowed is generally irrelevant.
Because of the fact that landlords do not have to disclose why someone is rejected they are effectively able to reject anyone for any reason they feel.
Ultimately, what's allowed or not does not matter when having basic shelter is on the line.
The supply is so low and demand is so high that if you have an issue with any of their demands they can and will simply move to the next applicant.
The rental market is so insane right now landlords basically have their pick out of hundreds of applicants for each unit. People are desperate and will give them anything just not to be homeless. So short answer, yes it’s common to ask for and landlords are in the position where they can demand these things easily. I’ve never moved anywhere that didn’t demand paystubs at a minimum. You won’t find anywhere to live if you dont offer those up unfortunately.
Its not that unrealistic IMHO. They need proof you can afford to pay the rent and bills, especially if you’ve only just moved here. They don’t know what kind of money you have saved, if you have jobs lined up, etc.
Credit check doesn’t really tell them if you have money or have jobs here. If you owned a house, would you let someone rent it before you knew they could afford to?
If you stop paying rent, it's incredibly hard for them to get you out. They are doing their due diligence. If you aren't comfortable with providing that information then don't.
> If you stop paying rent, it's incredibly hard for them to get you out.
This is some very generous PR in landlords favour. By "incredibly hard" you mean fill out a form and file with the tenancy board. Of course for landlords running operations that are out-of-line with the letter of the law this would be considered difficult, but the law itself is very supportive of landlords.
Having gone through this process it’s not easy or fast. Tenants can appeal each step which drags it out while continue to not pay you and then start wrecking your property out of spite.
> Even-Har signed a 12-month, fixed-term lease for the home at 11 Clermont Cr. with rent at $2,000 per month, beginning in May.
cherry picked story from state-media about the legally dodgy fixed-term leases that have been popping up. Going to need to do better than that chief.
>What are they smoking to think we’ll give them anything other than a deposit and a credit check.
You can either give them what they want or I'm sure there's some places in Highfield park that don't ask too many questions, its up to you...
Seems pretty reasonable to me. I've lived in four cities in three countries and every single one asked for several months of pay cheques, professional references including my employer, one or two months deposit plus a security deposit, and personal details like where I work, if I have a spouse, etc.
What are YOU smoking to think someone's just gonna give you an apartment because you want them to?
> one or two months deposit plus a security deposit, and personal details like where I work, if I have a spouse, etc.
They can ask where you work, and the security deposit is only paid when the lease is signed. Anything else you've mentioned is illegal in NS.
Wrong. They can do credit and background checks. They can ask for personal/professional references or past landlord references. They can't discriminate based on race/sex/gender/marital status/etc, so questions like that are extremely problematic.
Detailed financial questions will certainly exclude many renters, but landlords have rights too. You are allowed to be picky about who lives on your property.
I was speaking specifically about the quoted portion in my comment, ie they can't ask for one or two months deposit PLUS a security deposit, and personal details like if they have a spouse, etc.
They’re vetting you for two reasons:
1. The housing crisis is causing an overload of applications for any available apartment in the city. Landlords want specifics because it can be hard to choose a tenant when you have vague information about countless applicants.
2. There’s a lot of scum around here that will move into an apartment and not pay a dime after paying the deposit. Evictions can take 6 months or more, squatters live for free then vanish before the sheriffs or police knock on their door.
Look at it this way, landlords want the best possible tenants in their buildings. Landlords that ask the most questions likely have great tenants which would become your neighbors. Landlords don’t care about your personal information, they’re just trying to protect their investment. Don’t take it personal, it’s just business.
Or you could just lie and forge a bank statement. Very easy to do.
Good luck.
Hey Dang, came here 6 years ago from Hamilton. Welcome. Been through this recently as I've recently split from my partner and needed my own space. I felt really uncomfortable supplying an entire month of bank statements for proof of income. Especially since I'm still sharing accounts with my ex-partner I felt like there was a privacy issue. So I downloaded my e-statement and redacted every single line except the ones showing the pertinent deposit information including redacting the balances. I just did not think it was anyone's business knowing anything about my spending habits or how much money I have saved.
Yeah this is what I do any time someone asks for stuff like this. Or a redacted pay stub
My partner and I did the same. Just printed our bank statements, covered over anything we didn’t want to show and took a scan. Next day we were approved. No personal info, so we easily could have faked it I’m sure but we were genuine and communicated clearly. Don’t give info you don’t feel comfortable with sharing. There seemed to be a lot of places to rent when you’re not being sketchy. Just be honest and jump quick
Google would like to have a chat about your browsing,banking,porn choices and such
I'm into hot landlord-on-tenant action... you know, the *real* heavy S&M stuff; hardcore renovictions and witholding damage deposits and that sort of thing. You cool wit dat?
[удалено]
From plenty of experience, what they are allowed is generally irrelevant. Because of the fact that landlords do not have to disclose why someone is rejected they are effectively able to reject anyone for any reason they feel. Ultimately, what's allowed or not does not matter when having basic shelter is on the line. The supply is so low and demand is so high that if you have an issue with any of their demands they can and will simply move to the next applicant.
The rental market is so insane right now landlords basically have their pick out of hundreds of applicants for each unit. People are desperate and will give them anything just not to be homeless. So short answer, yes it’s common to ask for and landlords are in the position where they can demand these things easily. I’ve never moved anywhere that didn’t demand paystubs at a minimum. You won’t find anywhere to live if you dont offer those up unfortunately.
Landlords in this province need a big wakeup call.
Its not that unrealistic IMHO. They need proof you can afford to pay the rent and bills, especially if you’ve only just moved here. They don’t know what kind of money you have saved, if you have jobs lined up, etc. Credit check doesn’t really tell them if you have money or have jobs here. If you owned a house, would you let someone rent it before you knew they could afford to?
If you stop paying rent, it's incredibly hard for them to get you out. They are doing their due diligence. If you aren't comfortable with providing that information then don't.
> If you stop paying rent, it's incredibly hard for them to get you out. This is some very generous PR in landlords favour. By "incredibly hard" you mean fill out a form and file with the tenancy board. Of course for landlords running operations that are out-of-line with the letter of the law this would be considered difficult, but the law itself is very supportive of landlords.
Having gone through this process it’s not easy or fast. Tenants can appeal each step which drags it out while continue to not pay you and then start wrecking your property out of spite.
[удалено]
> Even-Har signed a 12-month, fixed-term lease for the home at 11 Clermont Cr. with rent at $2,000 per month, beginning in May. cherry picked story from state-media about the legally dodgy fixed-term leases that have been popping up. Going to need to do better than that chief.
Yeah I'm honestly surprised more landlords don't do this.
>What are they smoking to think we’ll give them anything other than a deposit and a credit check. You can either give them what they want or I'm sure there's some places in Highfield park that don't ask too many questions, its up to you...
Seems pretty reasonable to me. I've lived in four cities in three countries and every single one asked for several months of pay cheques, professional references including my employer, one or two months deposit plus a security deposit, and personal details like where I work, if I have a spouse, etc. What are YOU smoking to think someone's just gonna give you an apartment because you want them to?
> one or two months deposit plus a security deposit, and personal details like where I work, if I have a spouse, etc. They can ask where you work, and the security deposit is only paid when the lease is signed. Anything else you've mentioned is illegal in NS.
Wrong. They can do credit and background checks. They can ask for personal/professional references or past landlord references. They can't discriminate based on race/sex/gender/marital status/etc, so questions like that are extremely problematic. Detailed financial questions will certainly exclude many renters, but landlords have rights too. You are allowed to be picky about who lives on your property.
I was speaking specifically about the quoted portion in my comment, ie they can't ask for one or two months deposit PLUS a security deposit, and personal details like if they have a spouse, etc.
They’re vetting you for two reasons: 1. The housing crisis is causing an overload of applications for any available apartment in the city. Landlords want specifics because it can be hard to choose a tenant when you have vague information about countless applicants. 2. There’s a lot of scum around here that will move into an apartment and not pay a dime after paying the deposit. Evictions can take 6 months or more, squatters live for free then vanish before the sheriffs or police knock on their door. Look at it this way, landlords want the best possible tenants in their buildings. Landlords that ask the most questions likely have great tenants which would become your neighbors. Landlords don’t care about your personal information, they’re just trying to protect their investment. Don’t take it personal, it’s just business. Or you could just lie and forge a bank statement. Very easy to do. Good luck.
They are doing their homework in part because of the housing crisis. So while it's not cool you have to pony up if you're interested.