 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表
7 i' @2 l# Z5 \! B4 \+ p' f2 t% B
/ Z! @7 S3 ?1 v$ `0 \; m8 v6 L) _# ^' r3 ^; c1 P! K# T
谢谢，请继续。( H% M4 h/ | M' X/ q7 R
! h7 I8 {% ]0 b# N$ G- ~
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。
* H3 q( p0 L5 U1 X
The following article is written by Peter Kinch.5 v) |3 Q! J$ \ {# J
" ]: ^" c( ?5 f0 t& a; \, `$ V6 `
Spring Is In The Air! In some markets in Canada it may feel like
1 v4 g* P5 B: w% X g _, K8 k1 zSpring is starting to arrive. Each and every year in late February and : q3 U# G0 C& s3 m7 p
early March, the banks start rolling out their Spring market campaign of
- O! ?$ S$ J% G" j h$ Vnew products in an effort to attract new consumers. And, if early signs & p" ]# b6 R: c: j
are any indication, we're poised for yet another busy spring. The banks 2 ?! U, H- c: C, G6 c
view this as the best time of year to get your attention by coming up " _: z% h3 t3 C- s0 P: q0 V
with new products or simply putting twists on old ideas.
9 N* u2 v7 l8 K% }8 t% I' y& ]& m
Over the next few weeks we'll see a variety of new products and this $ n' m y4 k/ W
year the early theme I'm seeing is banks getting more creative in an
4 y. _0 I1 P; R! R8 ^+ Deffort to help you borrow more money. This is partly in response to growing ) k' Q6 K4 |$ [% b. B# N
concerns about the potential of rising rates.
. c: R9 j7 m% p3 F" ?
8 E/ L$ `& }5 Y: c0 EIn an effort to take the focus away from rates, look for two lenders to 2 c" N# L I% j8 N8 N
come out with 'True Equity' programs that will allow home buyers the ! M9 V7 v1 K# s* U8 w
ability to borrow up to 75% of the equity in their homes without having : y& {3 U8 v5 r, C. U1 g
to qualify based on their incomes. These programs were previously only
8 S: P; _+ t+ W) R! Eavailable to self-employed borrowers. Income earners had to either put * ?( X8 C& ~, D# o+ [
more money down or pay higher rates. This will now be a mortgage based
5 D) d' t. p0 M3 [on the equity and the rates will be fully discounted.9 Z- L9 ]- Y7 j& R" Y8 a0 E$ C
Another product to keep an eye on is more lenders who will be combining
1 a2 o# [& Z0 J+ z" jthe mortgage with the line of credit and creating a 'Global borrowing ) R3 |, ?. d/ A2 t# Q. p% N
limit' that will be re-advanceable. More and more consumers will be
) R; g$ \& {* ]" ^/ x4 flooking for these kind of products for tax planning and investment : s. j% `6 \. [% Y" \
strategies. 1 E/ ^) l7 ] V
5 P [/ ^* u: x& {1 U u. v' n
And speaking about investors, banks are starting to recognize the 1 |! E- `& e1 D5 Q
growing number of home owners who are buying multiple revenue properties for & @% s# b7 r( c
investments and we now have an 'Interest-Only' mortgage available for 2 [7 a! I" M# `. P
self-employed borrowers on a 'Stated-income' basis for revenue ) e# s- b7 \. B# E7 Z% w
properties. This marks the first time a self-employed individual can use 5 U" ?( }+ V$ }, K. V
'stated-income' to qualify for a revenue property. ! ?" n$ t x$ D; l4 K7 l. z
2 [' B- o: |2 }$ J6 q4 [5 B
The interest rates will be higher for this product, but it is
& m; a) j7 w |3 o. Y, t! K5 H" Mreflective of a growing trend towards American-Style lending practices. A prime - z" p( U: b5 ]. x8 P L6 O, {
example of an American trend influencing our banks will be longer
" ? Z+ K N+ Mamortization periods. Canada has held tight on 25 year amortizations for 1 I; E+ _" [" a# \4 e$ i! V
years, up until now that is. A few lenders have announced 30 year ; Y: ^9 t6 t; e( g0 s
amortizations on CMHC insured mortgages at fully discounted interest rates.
( K7 a9 ^* @. G- {, _* o7 t8 g' ^- B2 o( x5 _- B+ _
Finally, in an effort to further take your attention away from the long
) n5 r! y5 o" s( F+ y3 J$ U' S Qterm rates, look for lenders to get more creative with the discounts * k2 @. ~0 }) l4 R9 p
they offer on Variable Rate Mortgages. I fully expect to see stronger
# D5 S+ i# U8 q1 l9 ocompetition in the form of creative 'front-end loaded' discounts and
- {7 Q+ Z! l, K. s# Cteaser rates that make it more confusing to compare an apple to an apple
C: O' |( [9 ~! swhen shopping for the best mortgage option. It's going to be another busy
w- u u: |: M. F6 _& H; dspring market and consumers are going to be faced with more choices 7 |3 T0 D* t% Z7 m; D/ x
than ever before. The key, like always, is to get expert advice and 3 G8 Q! d R8 G, M% g+ c1 h
remember 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
