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原帖由 dgg 于 2006-5-8 10:12 发表
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谢谢，请继续。3 T" W+ w% `5 l: D/ \# G) y. ~
/ e0 |# j8 z6 J) n$ \! h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。
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The following article is written by Peter Kinch.
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Spring Is In The Air! In some markets in Canada it may feel like ; i. T$ w0 x* { z6 q
Spring is starting to arrive. Each and every year in late February and d7 V8 z% K @7 X8 X4 H
early March, the banks start rolling out their Spring market campaign of ( ^7 K4 k% R1 K9 w+ S% W
new products in an effort to attract new consumers. And, if early signs : b! @) [, y/ {2 l
are any indication, we're poised for yet another busy spring. The banks % f: m. F {& J3 z1 ?9 @0 a2 ^( y# z
view this as the best time of year to get your attention by coming up . ~5 l5 `3 e. q; e' Y$ A
with new products or simply putting twists on old ideas. " p0 E9 e! e+ C4 h5 ?
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Over the next few weeks we'll see a variety of new products and this : i/ |( f1 m% x v$ u8 s
year the early theme I'm seeing is banks getting more creative in an
% V6 h" @6 }; ^3 g6 keffort to help you borrow more money. This is partly in response to growing
3 R2 H* a& m) g s/ }* \6 B* I, bconcerns about the potential of rising rates. + d3 `2 `# }: W/ H- `5 m) t
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In an effort to take the focus away from rates, look for two lenders to , b* }2 x! p, y s
come out with 'True Equity' programs that will allow home buyers the
( W2 @- J5 `8 S3 X$ \! w0 k# e* M2 ?ability to borrow up to 75% of the equity in their homes without having e5 Z+ q& H6 B" S: {! h
to qualify based on their incomes. These programs were previously only
% G9 o/ ?9 J' s9 _9 i$ ^: M! bavailable to self-employed borrowers. Income earners had to either put " o- c' x* N1 _' b
more money down or pay higher rates. This will now be a mortgage based
# C! C* I8 K. |9 J( ]on the equity and the rates will be fully discounted.
' ]0 @# d0 K; ^, oAnother product to keep an eye on is more lenders who will be combining J5 N0 [* B; h) p/ a4 L- i
the mortgage with the line of credit and creating a 'Global borrowing \2 [) |6 _1 T! m' J
limit' that will be re-advanceable. More and more consumers will be ( t1 U5 r+ K- a' s0 z7 g
looking for these kind of products for tax planning and investment
$ r0 X, l# P6 Kstrategies.
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5 j9 l7 z/ D# M0 W( v- n( \+ h) }And speaking about investors, banks are starting to recognize the
0 v$ b" F5 N0 A# n ]* }1 zgrowing number of home owners who are buying multiple revenue properties for
9 J, p/ _2 @; q kinvestments and we now have an 'Interest-Only' mortgage available for
8 D+ u% S3 }% }/ o1 b$ H" V* l d# Lself-employed borrowers on a 'Stated-income' basis for revenue
8 V- ?; o/ q3 O! b# l. p' g+ xproperties. This marks the first time a self-employed individual can use
+ o4 o0 U8 {+ D3 a- W* R'stated-income' to qualify for a revenue property.
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1 T. B0 }& b1 e) {The interest rates will be higher for this product, but it is " ]6 E9 ~2 }4 V% o! R6 S
reflective of a growing trend towards American-Style lending practices. A prime
3 G- t: m, ^9 Y) r; Cexample of an American trend influencing our banks will be longer . M/ |8 X/ b7 h' ^* y7 Q( g
amortization periods. Canada has held tight on 25 year amortizations for ! O s6 y% W( k0 L
years, up until now that is. A few lenders have announced 30 year 0 n7 G! E$ t7 X3 S5 [% L
amortizations on CMHC insured mortgages at fully discounted interest rates.
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8 M. ?5 B) @( O( _; s; ?Finally, in an effort to further take your attention away from the long
0 P, Q# i+ T% U |! Fterm rates, look for lenders to get more creative with the discounts 0 z; X, | z n
they offer on Variable Rate Mortgages. I fully expect to see stronger
, {8 D% H* A K0 @) o8 Hcompetition in the form of creative 'front-end loaded' discounts and
) ?9 x6 F. ]! t1 b& d' Lteaser rates that make it more confusing to compare an apple to an apple ' Q" P' C( d. w% {! h0 T% _
when shopping for the best mortgage option. It's going to be another busy 0 _- W+ d+ e8 P/ w6 s3 `- u
spring market and consumers are going to be faced with more choices : {: q9 o! k! S3 a
than ever before. The key, like always, is to get expert advice and ( g. R+ N* y6 P# p
remember you have options. |
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发表于 2006-5-7 20:26
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