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原帖由 dgg 于 2006-5-8 10:12 发表, y0 r$ Z1 W5 I* p- | v
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谢谢，请继续。. n: x% n- B1 S) @. l
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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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; R$ D5 ~- V* N8 l9 j) pThe following article is written by Peter Kinch.
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4 B% e5 I* b% c6 s9 i% H+ S& RSpring Is In The Air! In some markets in Canada it may feel like 6 b1 h. P, t9 G3 P' V: p
Spring is starting to arrive. Each and every year in late February and
1 F6 s* k9 k! b# L! t, Zearly March, the banks start rolling out their Spring market campaign of
) v3 Q0 T) M% t/ unew products in an effort to attract new consumers. And, if early signs
" p; k: \' B1 o7 X% o$ t/ Hare any indication, we're poised for yet another busy spring. The banks , [% G8 z& p y& z; o0 r
view this as the best time of year to get your attention by coming up & h# t3 D9 f, r3 T3 g
with new products or simply putting twists on old ideas.
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- g5 T/ e) K. }. _' w& Q( C" @$ [& _Over the next few weeks we'll see a variety of new products and this
1 U9 X; m2 m. _ X- y7 `year the early theme I'm seeing is banks getting more creative in an 1 k, I8 `6 k0 ]9 H9 ]8 w
effort to help you borrow more money. This is partly in response to growing
& e5 V. ?& l/ W1 xconcerns about the potential of rising rates. - U7 q; M# |) [, L- o1 b; e
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In an effort to take the focus away from rates, look for two lenders to
. Z3 N( m& ~; p. E- l% [, J% \( |come out with 'True Equity' programs that will allow home buyers the
# O7 u* l1 w( c- @ability to borrow up to 75% of the equity in their homes without having 1 @6 w: H! h* Y9 D
to qualify based on their incomes. These programs were previously only * r( i4 a* B- f
available to self-employed borrowers. Income earners had to either put : f6 s5 _7 l, i0 [1 B
more money down or pay higher rates. This will now be a mortgage based - P; K% n# q3 K: h7 j; a C8 n; O
on the equity and the rates will be fully discounted.2 F+ x0 N# a: k! D" K
Another product to keep an eye on is more lenders who will be combining 3 I' ?5 e" G9 f. m4 L3 _# S
the mortgage with the line of credit and creating a 'Global borrowing
P" k. @) V: {2 Jlimit' that will be re-advanceable. More and more consumers will be $ A9 y4 b7 m" I v% }' A8 d
looking for these kind of products for tax planning and investment
. e% ^; {+ F6 n$ b6 s1 N" z& gstrategies.
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And speaking about investors, banks are starting to recognize the 1 z1 b3 u) X6 e+ `- l" M* R Y6 ~9 V) ?
growing number of home owners who are buying multiple revenue properties for
: F4 E4 P) E7 Uinvestments and we now have an 'Interest-Only' mortgage available for 4 w/ k" F9 ]$ O' b& u
self-employed borrowers on a 'Stated-income' basis for revenue
4 d2 X4 b0 d' i3 ]: aproperties. This marks the first time a self-employed individual can use , B+ j: U: c) M0 |" I$ G
'stated-income' to qualify for a revenue property.
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3 `2 u. F: d {, UThe interest rates will be higher for this product, but it is
6 Z+ z8 @& A! y) dreflective of a growing trend towards American-Style lending practices. A prime
C; N2 X; g& |' h/ e) }example of an American trend influencing our banks will be longer " ?8 z# a$ u* \& M R# S( g
amortization periods. Canada has held tight on 25 year amortizations for 0 W) c# M( y8 n
years, up until now that is. A few lenders have announced 30 year 2 X$ Z) y" b6 d5 i
amortizations on CMHC insured mortgages at fully discounted interest rates.
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/ L# j6 H% K5 O2 |& p/ wFinally, in an effort to further take your attention away from the long 1 Q9 u8 o) p- k: f# f" W3 w
term rates, look for lenders to get more creative with the discounts
1 f0 s0 H6 m @7 kthey offer on Variable Rate Mortgages. I fully expect to see stronger . h2 ~ u8 l( W3 ^* W# d0 S
competition in the form of creative 'front-end loaded' discounts and 3 w9 L5 t0 D& Y! j# m! o" i& x
teaser rates that make it more confusing to compare an apple to an apple ( I& v% B6 N8 V2 d
when shopping for the best mortgage option. It's going to be another busy
4 L: G$ ^* j3 _9 x. {' q8 Z( r4 q( _spring market and consumers are going to be faced with more choices
( H( b$ G$ a7 }! u' K4 ?than ever before. The key, like always, is to get expert advice and * x- E) Z' T$ \% M
remember you have options. |
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发表于 2006-5-7 20:26
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