 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表; M1 c4 X. u" P1 X
2 C) z$ J3 ? C) z) X' d; w1 k! O8 j9 k: L8 l
谢谢，请继续。1 B P$ M9 l: s
: i! @7 \5 E- L9 y2 D
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。
# u% F% S& o- |7 d2 @! e( YThe following article is written by Peter Kinch." g% b0 u \" Q0 g
8 B! a; @2 V1 Z' M6 z1 a4 HSpring Is In The Air! In some markets in Canada it may feel like
) z3 Q2 u' b+ C' b$ f+ Q3 R4 F5 t9 ZSpring is starting to arrive. Each and every year in late February and + Q) l9 b' B. v, P* h0 d, u$ {
early March, the banks start rolling out their Spring market campaign of $ } E: Q1 \' R- ^: k
new products in an effort to attract new consumers. And, if early signs
0 `! ^0 P9 T! O1 gare any indication, we're poised for yet another busy spring. The banks
* M8 }9 d3 ~ Oview this as the best time of year to get your attention by coming up - N8 N. h! V4 I; H, `
with new products or simply putting twists on old ideas.
( C% k3 i4 a1 R/ p! D% x
3 p% N! B; I" l# ?Over the next few weeks we'll see a variety of new products and this % c6 k" K2 e- f4 A- b
year the early theme I'm seeing is banks getting more creative in an
$ {! M# _8 X- l" eeffort to help you borrow more money. This is partly in response to growing r: s' q8 s3 T- t' {
concerns about the potential of rising rates. 2 B$ t. a" S& o& V
6 O& j, J" Q" C0 }In an effort to take the focus away from rates, look for two lenders to
8 g) J) d% k/ xcome out with 'True Equity' programs that will allow home buyers the ) d5 ?* N* e3 K6 ^* W' g w
ability to borrow up to 75% of the equity in their homes without having ! X" E% x6 }+ R3 a' t# J6 u1 J
to qualify based on their incomes. These programs were previously only : y3 u4 v4 J3 @9 f, L- L
available to self-employed borrowers. Income earners had to either put
. F+ g2 p# e' V; |more money down or pay higher rates. This will now be a mortgage based 7 E) O8 I6 v. S9 _3 O( M8 j& s( b/ V
on the equity and the rates will be fully discounted.8 k$ I R0 e9 _4 e( D. ^2 w# c
Another product to keep an eye on is more lenders who will be combining ; |) W# w0 J! n! X+ C9 m
the mortgage with the line of credit and creating a 'Global borrowing 9 B- N6 n; ^/ [0 J
limit' that will be re-advanceable. More and more consumers will be
0 c$ Y( k2 m6 s" h3 W9 F7 flooking for these kind of products for tax planning and investment
( \# a5 H8 `0 `. f2 Pstrategies.
% F( y+ p3 x$ F; g0 V+ t* k$ i& T+ `$ J! G! h3 Z) _9 |) N
And speaking about investors, banks are starting to recognize the
7 ~( j' W$ C( M g' p! l# W2 M# wgrowing number of home owners who are buying multiple revenue properties for , ?1 V* O: ~! n) ?8 G9 }
investments and we now have an 'Interest-Only' mortgage available for ; T4 o- Y; J. G
self-employed borrowers on a 'Stated-income' basis for revenue
4 l, h5 |: x" C' [properties. This marks the first time a self-employed individual can use 1 f- @" k# s' X1 g& c5 H+ ^$ T
'stated-income' to qualify for a revenue property. / P$ j2 w* a) Y6 Z3 ]/ I+ _2 ?5 p
4 g9 r2 t' V( Z# B5 ^8 O K# `
The interest rates will be higher for this product, but it is 8 F1 y3 A! _ x
reflective of a growing trend towards American-Style lending practices. A prime # e2 w, `2 u8 }5 R5 t0 `, O+ ^
example of an American trend influencing our banks will be longer # B7 f- f- R- D. ]' h9 D
amortization periods. Canada has held tight on 25 year amortizations for * V" K4 S9 I& r( F7 L0 ?- B; e) T3 k
years, up until now that is. A few lenders have announced 30 year
% E3 |1 u6 S9 b# ?2 C7 p# Ramortizations on CMHC insured mortgages at fully discounted interest rates.
/ o3 N y3 q; q& O
4 U# k& b5 o. O$ i7 \' M, rFinally, in an effort to further take your attention away from the long ) @- j" ? i9 P
term rates, look for lenders to get more creative with the discounts ) ~$ w( Q: T9 s7 e4 P( i8 G0 N
they offer on Variable Rate Mortgages. I fully expect to see stronger
4 |5 @4 a: U2 t N2 W* w' ocompetition in the form of creative 'front-end loaded' discounts and
$ s0 o4 n# b" uteaser rates that make it more confusing to compare an apple to an apple ' |) l$ H3 X! b% [& Y- b
when shopping for the best mortgage option. It's going to be another busy , h4 m* k9 g) a* d2 R4 p2 o, i: `
spring market and consumers are going to be faced with more choices - Z' M4 ^0 q1 C$ _) h* w+ a
than ever before. The key, like always, is to get expert advice and
/ Y9 v- P3 p) Z8 d! t" Eremember 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
