Td Canada Trust Mutual Funds

Td Canada Trust Mutual Funds

Td Canada Trust Mutual Funds

Think the economic crisis has destroyed all possibilities for a better home life? Community Land Trusts offer a potential homeowner a more empowering future through their affordable homeownership programs.

What is a Community Land Trust?

Introduced in the 1960s by the founders of the Institute for Community Economics (ICE), a Community Land Trust (CLT) is a nonprofit organization that acquires and holds land in permanent land trusts. CLTs then sell the residential and commercial buildings on the property – minus land costs – to low-income workers, making housing more affordable.

A CLT homeowner is usually given a 99-year renewable lease on the land which grants the homeowner, his or her family, and their descendants the right to use the land for as long as they want to live in the house. While the homeowner do not own the land, he or she still enjoys all the benefits of homeownership including tax deductions, equity home building, and stable housing costs.