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原帖由 dgg 于 2006-5-8 10:12 发表/ G7 M; Y. T1 D( q) @
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; s. x; K' l( J; q8 d2 h1 K谢谢,请继续。3 \9 Y0 q! d6 k2 D, U2 @7 r
* O8 e7 v( `) r6 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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' Z# L. ^: Q, k* W. I1 P7 z9 ASpring Is In The Air! In some markets in Canada it may feel like 1 _( h2 X( x9 C# e3 G% _
Spring is starting to arrive. Each and every year in late February and 5 C& I) I2 V6 a$ f+ p4 J
early March, the banks start rolling out their Spring market campaign of
8 P+ g) b1 ]0 U- c- a# F* }new products in an effort to attract new consumers. And, if early signs
& y/ c! `. l) b; Kare any indication, we're poised for yet another busy spring. The banks 0 H7 _* X1 n: o$ q
view this as the best time of year to get your attention by coming up
6 c& Y' u: e4 k! h2 F* h7 Cwith new products or simply putting twists on old ideas. % a( P5 p) d$ ]8 J5 r4 {
3 _8 a2 s: Z3 }' UOver the next few weeks we'll see a variety of new products and this
1 Y) h4 ?* E! c" @' J8 Y4 l. c9 Nyear the early theme I'm seeing is banks getting more creative in an
, S1 X' a) Q3 ^! x3 X4 j/ ]effort to help you borrow more money. This is partly in response to growing 9 ?( \: u6 t2 ^. p- k- w$ ?
concerns about the potential of rising rates. # u" }! S9 o) A2 E: q
2 E# i& T( m2 [0 C& \" w7 XIn an effort to take the focus away from rates, look for two lenders to 6 w, c& t4 o2 U' O( A7 g) [
come out with 'True Equity' programs that will allow home buyers the
9 x9 ^* u& h( D" t% C, f8 xability to borrow up to 75% of the equity in their homes without having , w5 L; g( @/ }+ L" R! }
to qualify based on their incomes. These programs were previously only / Q1 ~; G2 L. M3 k& D, x
available to self-employed borrowers. Income earners had to either put 4 P: W) Q+ M: s E f4 q
more money down or pay higher rates. This will now be a mortgage based
) i5 g# l( ^, |+ v* O [8 Kon the equity and the rates will be fully discounted.4 N; F- _# r# ^
Another product to keep an eye on is more lenders who will be combining + h* {. C2 s# g: r0 R6 s
the mortgage with the line of credit and creating a 'Global borrowing / z$ S- k j; P* ~- A( G, V
limit' that will be re-advanceable. More and more consumers will be # [- G8 K* ^( `$ `, [2 V, T
looking for these kind of products for tax planning and investment
9 k( V/ j+ Z. m- ?strategies. 8 f# {5 q& x \# F) D
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And speaking about investors, banks are starting to recognize the 2 W* {& H w2 a# a( g0 b! X
growing number of home owners who are buying multiple revenue properties for
( i9 R* G9 P! W" v/ d" f1 w# C2 d# linvestments and we now have an 'Interest-Only' mortgage available for + c" t7 J% o# @4 A9 w1 T' R! \( r( ~
self-employed borrowers on a 'Stated-income' basis for revenue
5 K4 d% o% O; B# X8 zproperties. This marks the first time a self-employed individual can use 4 K% |1 a5 m5 Y8 \5 y$ e( ?
'stated-income' to qualify for a revenue property. # u* @5 \/ U: T* r
4 S6 ~5 s: Q' e% k V. a" |! F8 K6 XThe interest rates will be higher for this product, but it is
/ R5 E* b+ w9 C& G! E! n8 r3 Mreflective of a growing trend towards American-Style lending practices. A prime 2 l7 n( z' w- u1 r0 q4 H! C
example of an American trend influencing our banks will be longer $ R+ p5 i5 S0 U5 O g
amortization periods. Canada has held tight on 25 year amortizations for
4 _7 a* t. a; }; r) xyears, up until now that is. A few lenders have announced 30 year 1 f0 q7 \" ^7 _; R& |( p
amortizations on CMHC insured mortgages at fully discounted interest rates.# P$ H9 f3 I1 N9 D9 |6 [
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Finally, in an effort to further take your attention away from the long
) l( c$ n' H1 E4 M# v3 b7 F; {term rates, look for lenders to get more creative with the discounts
* A+ l9 T6 b0 n, T! n5 y) Xthey offer on Variable Rate Mortgages. I fully expect to see stronger / t. ]+ k* ^: A7 i% o9 o
competition in the form of creative 'front-end loaded' discounts and 5 Q6 [6 Z4 ~! j5 \
teaser rates that make it more confusing to compare an apple to an apple - G* k) L7 {8 A9 X; y
when shopping for the best mortgage option. It's going to be another busy
. _3 u3 ^) h+ q: tspring market and consumers are going to be faced with more choices
+ Q! h) M# e+ f2 v Z" K6 Cthan ever before. The key, like always, is to get expert advice and
* z* h* B. W. r( X. Premember you have options. |
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