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Decentralized Democracy

Salma Zahid

  • Member of Parliament
  • Member of Parliament
  • Liberal
  • Scarborough Centre
  • Ontario
  • Voting Attendance: 66%
  • Expenses Last Quarter: $131,199.78

  • Government Page
  • Dec/7/22 4:21:56 p.m.
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  • Re: Bill C-32 
In the spring, we were all focused on the high price of gas. It is still not cheap, but it is down substantially from its peak of over two dollars per litre. Groceries and other necessities remain more expensive than usual, and this trend is forecast to continue into the coming year. While my friends across the way may say otherwise, inflation is not a made-in-Canada phenomenon. Groceries are not more expensive because our government stepped up during the pandemic to stop people from losing their homes and businesses from declaring bankruptcy. In fact, our pandemic supports for Canadians, which I recall all members in the House working on together to deliver them to Canadians expeditiously, saw Canada emerge stronger from the pandemic. We were there for Canadians and we always will be. Inflation is a global phenomenon driven by the zero-COVID policy in China, ongoing supply chain disruptions, climate change impacting the harvest of vital crops and the war in Ukraine. Canada is not immune to these global pressures. We have done better than many of our peers. According to a report last month from CTV, Canada had the third-lowest inflation rate in the G7 at 6.9%, which is higher than only France and Japan, and faring much better than the United Kingdom, Germany, Italy and even the United States. That said, the challenges being faced by many Canadians are very real, and Canadians expect their government to be there to help those who need it the most. You and I do not need help, Mr. Speaker. We can tighten our belts and weather the storm until it passes. However, those families already on the edge, the seniors on a fixed income and the single mother trying to support her kids on a minimum-wage job are the people who need targeted assistance. It is those Canadians we are seeking to help with Bill C-32. I would like to focus on a few of the ways we are already helping constituents in my riding who need help the most. By doubling the GST tax credit for six months, we are directly helping lower-income seniors and families. Everyone below a certain income threshold is eligible for the GST tax credit, and this increased rebate is already putting money back into the pockets of Canadians who need help the most. A single person with no dependent children can receive up to $234, and a couple with no children can receive up to $306. This goes all the way up to $628 for a couple with four children. We are also topping up the Canada housing benefit with a $500, one-time payment. Everyone, from young people living on their own for the first time to families and seniors on a fixed income, is eligible based on their income and how much of their income they pay toward rent. In short, whether it is a family with a net income under $35,000 or it is a single person earning under $20,000 and paying 30% or more of their income on rent, then they can qualify for this payment, but they need to apply for it. Applications open December 12, and if someone is eligible, I strongly encourage them to go online to apply. We have also launched the Canada dental benefit for low-income families with children under the age of 12. It can provide up to $1,300 over two years to help with dental costs for eligible families. We expect this program to expand to lower-income seniors next year. I know it will make a difference for many seniors on a fixed income. If people take care of their teeth, their teeth will take care of them. This program means that lower-income families without employer coverage do not need to neglect their oral health needs. We are also working toward a national dental care plan for all Canadians. These are all targeted programs that are putting more money back into the pockets of lower-income families and seniors. We are building on these initiatives with Bill C-32. To address housing affordability, we are taking a number of steps, including an anti-flipping rule to discourage people from rapidly flipping homes for profit in a short time, which is driving up housing prices. Houses should be a home, not a business. We would make it easier to save for a down payment with the new tax-free first home savings account. We would change the rules around the tax on the value of non-resident, non-Canadian owned residential real estate that is considered to be vacant or underused. Also, we would double the first-time homebuyer's tax credit amount from $5,000 to $10,000. I also have a lot of multi-generational households in my riding, and the multi-generational home renovation tax credit would help families make their homes more suitable to their needs. I am particularly excited about the elimination of interest on federal Canada student loans and Canada apprentice loans, combined with no requirement for repayment at all until a graduate is making at least $40,000 per year. This would be a significant benefit for our young Canadians. I meet with student groups every year and with individual students all the time in my community. They have long told me about the burden of graduating with major student debt that weighs them down for years. In real dollars, tuition and other expenses are so much more than when we were in school. Even working full time, it can be hard to keep up. The elimination of federal student loan interest has been welcomed by many stakeholders. For example, the Canadian Alliance of Student Associations, which I met with last week, said: Big news for students across Canada! Starting on April 1, 2023, the Government of Canada will remove the interest on Canada Student Loans. This investment is welcomed by past, current, and future student loan borrowers. The Public Service Alliance of Canada said: We're pleased to see help to Canada's most vulnerable in today's economic update, including eliminating student loan interest payments for thousands of our members and increased funding for the services our members deliver to Canadians every day. By eliminating interest and delaying repayments, we would make it easier for young graduates just entering the workforce to begin a family, to begin saving and to enter the housing market. Without the burden of crushing debt payments and compounding interest, they could more easily realize their career goals and contribute to society, which would enrich us all. This measure would save the average graduate more than $400 every year, and that would be a real benefit for young families saving for their first homes. I could go on, but the sooner we pass this legislation, the sooner more help will begin to flow to Canadians who need help the most. I urge my colleagues to join me in supporting Canadians, and let us pass this bill.
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  • Jan/31/22 1:01:34 p.m.
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Mr. Speaker, we have committed over $1.7 billion in funding in budgets 2017 and 2018 for distinctions-based housing strategies, including $600 million over three years for first nations housing, $500 million over 10 years for Métis nation housing and $400 million over 10 years for Inuit-led housing. We have committed more than one billion dollars in the national first nations housing strategy, resulting in 1,429 homes being built, renovated or retrofitted and benefiting approximately 467,000 people in over 600 communities. I know more work has to be done, so I look forward to working with all the members of this House to make sure that every indigenous person has a place to call home.
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  • Jan/31/22 12:48:47 p.m.
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Mr. Speaker, before I begin, I would like to note that this past Saturday, January 29, was the fifth anniversary of the Quebec City mosque shooting. It was also the national day of remembrance of the Quebec City mosque attack and action against Islamophobia. Unfortunately, it was not safe for the in-person vigil that was planned here in Ottawa to go ahead, so here today, in the centre of Canada's democracy, I want the names of the victims of this senseless act of hate and Islamophobia to be heard and to be remembered: Ibrahima Barry, Mamadou Tanou Barry, Khaled Belkacemi, Aboubaker Thabti, Abdelkrim Hassane, Azzedine Soufiane. May Allah give them the highest place in Jannah. May they rest in peace. The people of Scarborough Centre sent me to Ottawa with a strengthened mandate and clear expectations, including affordable early learning and child care, housing affordability and good middle-class jobs as part of an inclusive recovery. I am pleased to see these priorities reflected in the Speech from the Throne. However, before we can look to the recovery, we need to finish the fight against COVID-19. Thanks to the hard work of Canadians and governments, amazing strides have been made on vaccination. We are nearly a decade ahead of the estimates made by some colleagues across the way. With vaccinations now open to those aged five and up, vaccination rates are rising ever higher. I have heard clearly from my constituents that they support vaccine mandates to end this pandemic. They want this pandemic to be over, and that means getting the job done on vaccines. Therefore, I say to Canadians to please, if they have not yet gotten their vaccines, when they are eligible, get the vaccine and get the booster. This is not just for themselves but for their neighbours and families, because in Canada we look out for one another. We have heard a lot of talk lately about inflation. While economists agree this is a global and, hopefully, temporary phenomenon largely attributable to pandemic and climate-related supply chain issues, we have to acknowledge this is a real phenomenon that is impacting Canadians' wallets. I have noticed this in my weekly shopping trip with staples like milk, fruit and meat getting more expensive. While families like mine can absorb the temporary increases, for many in my riding this will mean difficult choices at the grocery store. Often it is the healthier choices that become more expensive, so we need to look at ways to allow families to be able to make healthier choices, and we need to find ways to put more money into their pockets. The Canada child benefit put more money into the pockets of nine out of 10 Canadian families, and it is time to build on that with a national system of early learning and child care. This would be so impactful for the families in my riding of Scarborough Centre. Under the Liberal plan, an average Toronto family would save $11,197. That is a 50% reduction in fees, with even more savings coming by 2026 as we work toward $10-a-day child care. Over $11,000 staying in the pockets of families would be a real and immediate savings of almost $1,000 every month. For families in my riding, this would be life changing. Every province and territory in Canada has now signed on except Ontario, and families in some jurisdictions are already seeing significant savings. Unfortunately for families in Ontario, Premier Doug Ford and his Conservative government continue to stall and play political games. If my colleagues from Ontario across the aisle are serious about helping families deal with the cost of living, I would encourage them to urge their provincial cousins to get on board. They should be on board, because this is not just a social issue; it is an economic issue. Women have been slower to return to the workforce as the economy has opened back up because so often they need to stay home to take care of their children. There can be no recovery without a "she" recovery. Affordable early learning and child care is how we address the labour shortage and get the economy firing again. If there is one issue that vies with affordable child care in importance with my constituents, it is housing affordability. Prices are out of control, and people who are renting are afraid to move as they cannot afford the increased prices. It is harder than ever for renters to become buyers, with prices for new homes out of reach. This is an issue with no easy answers and it is not an issue that any one level of government can solve alone. From the federal government bringing people together, to provincial governments making smart regulations and laws to protect tenants and buyers, to municipalities making smart zoning decisions, to the provision of funding from all governments, it will take a collaborative team Canada effort. There will be no single silver bullet program, but the throne speech does put a number of federal initiatives forward. They include a more flexible first-time home buyer incentive, a new rent-to-own program and measures to reduce closing costs for first-time homebuyers. I am also optimistic because we now have a minister dedicated to the housing file. I wish him well in this important task. We need strong federal leadership to bring all these stakeholders together to deliver real results for Canadians. Everyone deserves a safe and affordable place to call home and everyone deserves to feel safe and at home in Canada. Incidents of hate based on race and faith have made too many feel uncomfortable and unsafe in their communities. We cannot shy away from this painful reality. We need to work hard to ensure that everyone in Canada is safe and has the opportunity to get ahead, regardless of their gender, whom they love, where they come from, what language they speak, who they pray to or the colour of their skin. Incidents of Islamophobia and anti-Semitism leave real and lasting scars in our communities, and the systemic anti-Black racism in many of our institutions must be grappled with. We must ensure that Canada's anti-racism strategy is aligned with the lived experiences of racialized Canadians. As well, we cannot ignore the rising gun violence experienced in many communities. I have heard strong support in Scarborough for a ban against assault weapons and for mandatory buyback. My constituents want us to follow through on these commitments and go further. We need to look at why youth turn to guns and gangs and provide more opportunities for our youth. Finally, my constituents want to see stronger action on the environment and climate change. We have seen first-hand the impact of a changing climate. We must ensure there is a just transition so that Canadians can find good, well-paying jobs in the new green economy. We must also vote to ensure zero-emission and electric vehicles are affordable and available to the average Canadian family, while also making significant investments in public transit. The people of my community sent me here to work for these issues that impact their daily lives. They do not want political cheap shots and partisan games. They want members from all sides to co-operate, get things done and deliver results to make their lives better. I am ready to support good ideas wherever they come from. Let us get to work.
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  • Dec/9/21 4:55:41 p.m.
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Mr. Speaker, it is really important that all levels of government work together to ensure that we have more housing built in Canada. The federal government should be a partner working alongside provinces and municipalities to ensure we can help those who want to rent affordable housing for Canadians.
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  • Dec/9/21 4:54:01 p.m.
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Mr. Speaker, yes, we are seeing inflation. It is a global phenomena. If the hon. member really wants to help Ontario families, it is really very important to talk to his Conservative cousins in the Ontario government on $10 a day child care. That program will put more money in the hands of families in Ontario. They will save approximately $1,000 every month if the Ontario government agrees to sign onto the $10 a day child care and early learning program. It will be direct money to buy better and healthier groceries and to put their kids into programs.
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  • Dec/9/21 4:52:27 p.m.
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Mr. Speaker, it is really important that we have a housing plan for indigenous peoples. We have invested in a plan for indigenous people. The national housing strategy targets many groups like seniors, indigenous people, and women and children fleeing home. I look forward to working with my colleague to ensure that we have more housing built for indigenous people.
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  • Dec/9/21 4:51:00 p.m.
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Mr. Speaker, yes, there is a need for more housing units to be built, which is why, in this mandate, we are proposing a $4-billion housing accelerator fund that will help to increase the supply of housing. It is why we are making it easier for new homebuyers to buy their new homes through the flexible first-time homebuyers incentive. We are trying to reduce the closing costs and to create a new rent-to-own program.
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  • Dec/9/21 4:41:29 p.m.
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Mr. Speaker, congratulations to you on your new role. Affordable housing and the high cost of safe and suitable housing is one of the biggest issues for the residents of my riding of Scarborough Centre, so I welcome the opportunity to speak to this pressing issue and share some of the solutions our government is already working on, which, unlike the few actual specifics proposed in this motion, actually can and are addressing this issue in a serious and meaningful way. Our government is committed to ensuring that Canada’s communities are healthy, sustainable and productive places to live and prosper. An essential part of attaining that goal is making housing affordable and accessible. In the Speech from the Throne, we committed to further investment in housing that will see more units built, increase affordable housing and ultimately put an end to chronic homelessness in Canada. In fact, investments in affordable housing are front and centre in our government’s efforts to build diverse, inclusive communities that strengthen our economy and support our continued prosperity. Everyone deserves a safe, secure and affordable place to call home. Since 2015, our government has invested close to $30 billion in housing, and we have helped create more housing for over one million Canadians from coast to coast to coast. It is why we introduced Canada’s first-ever national housing strategy in 2017, a 10-year, $72-billion plan that is improving housing affordability for all Canadians. The national housing strategy addresses housing security needs with an emphasis on populations made vulnerable, such as seniors, indigenous people, and women and children fleeing domestic violence. By supporting climate-compatible, resilient and affordable housing, we are taking important steps to support Canada’s climate change initiative. The national housing strategy will help ensure that the current and next generation of affordable and community housing in Canada is sustainable and built to last. As part of the national housing strategy, we have introduced the rapid housing initiative, a $2.5-billion program to finance the construction of modular housing, as well as the acquisition of land and the conversion of existing buildings to affordable housing. I had an opportunity earlier this year to take part in a modular housing announcement in my riding with the City of Toronto, a 57-unit supportive housing site that will be managed by a non-profit housing provider. This is the kind of initiative that makes a real and immediate difference in the lives of people made vulnerable across Canada. Let me talk about another program, the rental construction financing initiative. This program has seen incredible uptake since it was launched five years ago, and it is making a real difference for middle-class Canadians. It is a well-known fact that there is a shortage of purpose-built rental supply in Canada. Many of our cities have extremely low vacancy rates. This has driven up prices to the point where the very people who make our cities run can no longer afford to live in them. We cannot just keep pushing the middle class to the suburbs if we want vibrant, inclusive cities. I see this every day in Scarborough. Our rental stock is old and dated and ill-suited to the needs of the many multi-generational families who call Scarborough home. People are afraid to move to new rental housing that may be more suitable, because they just cannot afford the massive increases in rent they have been somewhat shielded from as long-term tenants in their current rental units. The rental construction financing initiative addresses this exact problem. It gives developers low-cost loans during the riskiest phases of construction. This helps developers to better predict costs, and they are more incentivized to build rental projects, all while meeting important criteria in terms of affordability, accessibility and energy efficiency. From the beginning, the program generated great interest from the housing sector. To meet the growing demand, we increased our investments to $13.75 billion. It is estimated that when the rental construction financing initiative comes to an end in 2028, the $26 billion invested will have created more than 71,000 new rental housing units across this country. In other words, 71,000 more middle-class families will be able to find housing they can afford in the cities where they live. We are taking steps to make housing more accessible, more sustainable and more affordable. These investments will give Canadians a healthier, greener and more affordable place to call home. We are helping communities implement more permanent housing solutions by providing them with the flexibility to direct funds toward local priority areas as part of the response to this pandemic. We have heard the concerns of Canadians, and they want us to do our part to ensure that they have affordable options wherever they are on the housing continuum. We know that housing affordability is a priority for people across Canada, as it is a priority for this government. When I look at the motion from the opposition, I do not see much that will help my constituents in Scarborough. We do not have surplus federal land. Our government is implementing, as of January 1, 2022, a national tax on non-resident, non-Canadian owners of vacant, underused housing, and we will extend this to include foreign-owned vacant land within large urban areas. We also committed in our platform to temporarily banning new foreign ownership in Canadian housing, to ensure that Canadians have more access to purchasing homes. The idea of a capital gains tax on the sale of a primary residence has never been considered by our government. It is a Conservative fiction designed to distract from their own lack of serious ideas and a decade of a Conservative government where they abandoned any federal role on housing. Again, the Conservatives decry the support that our government provided to Canadians during this pandemic. This $400 billion they villainize in the motion before us is money that allowed people in Scarborough and across Canada to make their mortgage and rent payments during the height of the pandemic. It allowed businesses to keep staff on the payroll, stay in business and keep their doors open in the darkest hours. These programs literally allowed people to stay in their homes. How can Conservatives say they want to solve the housing crisis when they oppose helping people keep their homes during a pandemic? On this side of the House, we are taking strong action to make a real difference in the lives of families. We laid out that plan in the recent Speech from the Throne. The government will help families buy their first home sooner with a more flexible first-time homebuyer incentive and a new rent-to-own program, as well as by reducing the closing costs for first-time buyers. The $4-billion housing accelerator fund will increase the housing supply. We are building stronger communities in which people can live, play, work and do business, and we are committed to working with the municipalities, provinces and territories as partners to address this housing crisis. Canadians expect serious leadership and collaboration, and that is what we will deliver.
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