 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表
2 { N6 H; D: z6 K2 L% I2 a( [/ b. I0 T
: O) G/ X2 x% I- x4 \) m7 c" s
谢谢，请继续。
/ ]. d$ D( c2 ]1 z2 B$ m' X2 v5 e9 i; p+ @2 ?
我知道一些房地产起家的人是靠的滚雪球的效应，把自己现有的房子抵押加上租金收入再贷款，最后越滚越大，最后拥有几十套房子。
' @8 J" b7 x' Q" J) |/ Q Y2 g
The following article is written by Peter Kinch.
/ i: \) h$ h+ v$ p! Z' a# G* s2 Q" ?% Y0 \6 ^4 c2 a5 x( U) q+ m
Spring Is In The Air! In some markets in Canada it may feel like
' E" U l+ _& r* Z6 uSpring is starting to arrive. Each and every year in late February and
. R! h. ], O1 {% k4 p" V8 Uearly March, the banks start rolling out their Spring market campaign of
" W5 s0 S9 ~( {2 y3 C' p, C- |+ E, Dnew products in an effort to attract new consumers. And, if early signs # s8 S; f! X% Q* p/ e$ w2 R$ ]. b5 a# S
are any indication, we're poised for yet another busy spring. The banks
2 f8 K T% Z/ e7 J# Uview this as the best time of year to get your attention by coming up 0 e$ z' {- ^7 P# ` }
with new products or simply putting twists on old ideas.
+ m) Q& I- M L7 P |& E L! e6 ]0 T
Over the next few weeks we'll see a variety of new products and this
! Q5 Q- K* S; X1 I' Syear the early theme I'm seeing is banks getting more creative in an
+ p9 s/ K0 o1 Deffort to help you borrow more money. This is partly in response to growing
& Z r+ G' ~2 k* `! y. ^/ r1 g/ |+ J0 Bconcerns about the potential of rising rates.
1 w9 Q/ D) k8 J; `1 N; Q
) q% q0 y9 r6 |; ?; `In an effort to take the focus away from rates, look for two lenders to
j/ C' C$ d j5 b9 {) \5 f( R9 Dcome out with 'True Equity' programs that will allow home buyers the
( N5 E7 P; @! b- ~& D# ~# hability to borrow up to 75% of the equity in their homes without having
{5 h1 H. x- t% M6 Ato qualify based on their incomes. These programs were previously only
% g, v$ `8 S/ r9 B8 J- e; k% |4 xavailable to self-employed borrowers. Income earners had to either put
4 ~7 t! Z+ B" O7 x( n7 N5 N4 gmore money down or pay higher rates. This will now be a mortgage based " A' h7 M9 s; q% R
on the equity and the rates will be fully discounted.; Y0 O* p! b; H2 ^; f: f3 K- g
Another product to keep an eye on is more lenders who will be combining - O( F: Q9 w% X+ H$ Y7 F: U
the mortgage with the line of credit and creating a 'Global borrowing 9 U1 e/ {% \ ^" A
limit' that will be re-advanceable. More and more consumers will be
6 w3 p) D* i4 U. Xlooking for these kind of products for tax planning and investment ) ~# k. b# f$ T9 o U
strategies. & u- k: G; K+ k- ]
; d, ?2 R# B+ U( W( B. GAnd speaking about investors, banks are starting to recognize the 8 l" \, s; a# T) F
growing number of home owners who are buying multiple revenue properties for & |: b( E$ B2 t! v/ d
investments and we now have an 'Interest-Only' mortgage available for ( @: h+ F0 i5 F/ Y! X
self-employed borrowers on a 'Stated-income' basis for revenue 2 `6 e/ e4 c1 A
properties. This marks the first time a self-employed individual can use 2 ^4 _- p K% ~, a' I7 Q* t& d
'stated-income' to qualify for a revenue property. 6 U) o1 |% t9 a
! x6 T4 x% U, ?4 T$ q" r5 x
The interest rates will be higher for this product, but it is
& w* A! G1 d0 Dreflective of a growing trend towards American-Style lending practices. A prime - o! P' a( Y6 W- ?4 p+ {7 L
example of an American trend influencing our banks will be longer
- u* ?- I0 R4 `0 Q' ]( Bamortization periods. Canada has held tight on 25 year amortizations for
* ~, e/ c1 W, X* Hyears, up until now that is. A few lenders have announced 30 year
5 j2 z* D0 Z8 }" L" Damortizations on CMHC insured mortgages at fully discounted interest rates.
6 n' a \- A# K& y; d
4 b; w4 \" @- f0 r' N* q* C& tFinally, in an effort to further take your attention away from the long . N$ _4 K; U3 A9 t
term rates, look for lenders to get more creative with the discounts 9 b. M* w( I) u
they offer on Variable Rate Mortgages. I fully expect to see stronger
( h0 u3 |8 n( N6 X& x) y9 Fcompetition in the form of creative 'front-end loaded' discounts and 9 M& ]) f: k# g# [
teaser rates that make it more confusing to compare an apple to an apple
3 T- t2 R& s6 I' {4 ?* ewhen shopping for the best mortgage option. It's going to be another busy
7 C$ i% [/ T6 s; s5 E( fspring market and consumers are going to be faced with more choices
* u2 v) f' K W/ \$ X* [$ b! ~, Ethan ever before. The key, like always, is to get expert advice and
' a7 d, I7 S# `: Iremember you have options. |
|
狗仔卡
发表于 2006-5-7 20:26
提升卡
置顶卡
沉默卡
喧嚣卡
变色卡
显身卡
发表于 2006-5-7 22:16
发表于 2006-5-7 22:22
