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原帖由 dgg 于 2006-5-8 10:12 发表" B7 C& M1 v9 ]3 ]
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谢谢，请继续。
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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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6 x' Q3 M8 J$ R' k1 y! [* XThe following article is written by Peter Kinch./ I9 w) Z6 H! B
) ~' i8 J) _1 u& n, _5 \Spring Is In The Air! In some markets in Canada it may feel like ! p8 V. c( S5 D) v$ A
Spring is starting to arrive. Each and every year in late February and ; T2 n0 W' I; `! M! {3 T3 h+ b6 O
early March, the banks start rolling out their Spring market campaign of
' ?0 k2 K$ t, j9 xnew products in an effort to attract new consumers. And, if early signs
) L/ C/ ^& F: Y; v5 K! _. t2 Mare any indication, we're poised for yet another busy spring. The banks
! s6 ?( i5 N; bview this as the best time of year to get your attention by coming up
' I( n3 z9 q N* ~- i+ Zwith new products or simply putting twists on old ideas.
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Over the next few weeks we'll see a variety of new products and this
; `5 d0 t1 L1 C% byear the early theme I'm seeing is banks getting more creative in an
+ a* o- C: F$ V! [( O$ Y0 ]effort to help you borrow more money. This is partly in response to growing
8 m+ A/ O" l9 d* J5 l" F, Lconcerns about the potential of rising rates.
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1 d% ?& ]2 T$ `1 XIn an effort to take the focus away from rates, look for two lenders to % c( v9 }9 o' K9 X7 J1 R Z
come out with 'True Equity' programs that will allow home buyers the 4 I5 F7 E7 P+ }
ability to borrow up to 75% of the equity in their homes without having
# E- e3 Y4 J% X+ D. Qto qualify based on their incomes. These programs were previously only
. N% L0 Z8 m" x" R k% O( Z- ]* tavailable to self-employed borrowers. Income earners had to either put
& \& b+ l' ]$ Z9 q& _more money down or pay higher rates. This will now be a mortgage based , r5 f& E- b8 _8 r# }. i
on the equity and the rates will be fully discounted.1 D" O/ |1 {+ Z5 a+ ]% Z$ `0 L; i4 O
Another product to keep an eye on is more lenders who will be combining
. ]/ K4 v2 ^8 v L0 } d# Ythe mortgage with the line of credit and creating a 'Global borrowing * t4 T0 }9 f0 D/ {
limit' that will be re-advanceable. More and more consumers will be ! U3 K' c) E, c: v& j/ {# C
looking for these kind of products for tax planning and investment ) Y; b, \' ?: {% t! `
strategies.
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- `# W% X! @5 N5 D+ IAnd speaking about investors, banks are starting to recognize the
7 `7 Y K6 B& o0 v r }( R- M8 Mgrowing number of home owners who are buying multiple revenue properties for
2 p- P; T% l. Hinvestments and we now have an 'Interest-Only' mortgage available for 0 t& b) q0 n( G: Y# w( v
self-employed borrowers on a 'Stated-income' basis for revenue
) q& l: N5 z4 z+ \& Aproperties. This marks the first time a self-employed individual can use
# ^8 p; Z/ ^' d- H$ s# _'stated-income' to qualify for a revenue property. 2 z5 L' z; y* T3 O! U! M
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The interest rates will be higher for this product, but it is
8 S# \6 J' R! e) i3 t. Z1 vreflective of a growing trend towards American-Style lending practices. A prime
% k$ [" g% b8 i3 b7 G3 @example of an American trend influencing our banks will be longer
/ Q# }7 g, u7 i @8 K/ xamortization periods. Canada has held tight on 25 year amortizations for
# f& _) P4 \0 V9 k3 ?& Byears, up until now that is. A few lenders have announced 30 year , l6 ^0 v4 L& t+ W# s
amortizations on CMHC insured mortgages at fully discounted interest rates.
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Finally, in an effort to further take your attention away from the long / f/ K2 x1 f2 {! d
term rates, look for lenders to get more creative with the discounts 8 F0 h$ U/ P0 w0 d' ]$ }
they offer on Variable Rate Mortgages. I fully expect to see stronger ! S5 f+ i, s% J% ?& W$ k
competition in the form of creative 'front-end loaded' discounts and " Q% Y: f' l0 w/ j& {
teaser rates that make it more confusing to compare an apple to an apple
: ]3 P: T3 N- d* S% Xwhen shopping for the best mortgage option. It's going to be another busy & Y/ A& N0 K/ [; _# T& i# T
spring market and consumers are going to be faced with more choices % x+ s& Y# R5 S5 T: P# i7 ]
than ever before. The key, like always, is to get expert advice and 6 k; b9 ~$ b. I7 b; Q9 }& V2 y0 V0 _
remember you have options. |
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发表于 2006-5-7 20:26
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发表于 2006-5-7 22:22
