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原帖由 dgg 于 2006-5-8 10:12 发表
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4 H- L. [ M J谢谢，请继续。( ~+ Y6 b' m B' }
& c' l7 D5 f7 X3 d% [5 ?; \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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7 R( Z C& H7 f8 w7 j7 kThe following article is written by Peter Kinch.
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# E& D$ l+ N9 Y( X8 s: G: _- cSpring Is In The Air! In some markets in Canada it may feel like
- l7 D! \# U& MSpring is starting to arrive. Each and every year in late February and
' o9 j+ N4 t# {. O. N0 Xearly March, the banks start rolling out their Spring market campaign of
% i1 I5 ~. r, ]9 c9 Snew products in an effort to attract new consumers. And, if early signs ( C9 P) c! {! S% y. k
are any indication, we're poised for yet another busy spring. The banks
) o2 G; A' t' [$ A+ B( qview this as the best time of year to get your attention by coming up 9 A O. b& `& A2 A9 O
with 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 7 L) K' Y" d3 R
year the early theme I'm seeing is banks getting more creative in an . W: F( o, |7 T! z0 }% L
effort to help you borrow more money. This is partly in response to growing 8 k0 h6 O* l4 [
concerns about the potential of rising rates.
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( Z0 R. s% G0 z% D2 w [! B$ @6 @In an effort to take the focus away from rates, look for two lenders to 3 S+ ^4 K$ w5 A, H2 ]
come out with 'True Equity' programs that will allow home buyers the
% A' |5 I8 q- R2 W. ]% p+ \ability to borrow up to 75% of the equity in their homes without having
. ~7 Y9 F5 t( b3 _7 _" `to qualify based on their incomes. These programs were previously only * Q* x, D4 U* H7 P i
available to self-employed borrowers. Income earners had to either put
. ]2 l1 J g2 F' @# h2 w% x9 o6 Zmore money down or pay higher rates. This will now be a mortgage based
. k# L: q: a! r+ b3 V* `- X6 N7 uon the equity and the rates will be fully discounted.3 g+ T: |: _+ I, L0 g' W$ l+ P
Another product to keep an eye on is more lenders who will be combining
" h- A# K9 t* l) ^% F0 qthe mortgage with the line of credit and creating a 'Global borrowing $ o. H% _( F0 q2 V' \2 j
limit' that will be re-advanceable. More and more consumers will be
& W, c, j' Y ?- M x9 e, J/ Klooking for these kind of products for tax planning and investment
( E# r+ K/ N0 I) rstrategies. & m; x' W L, i& x: o
8 j: s: }# K" \% ]0 @# ` IAnd speaking about investors, banks are starting to recognize the ; y7 W- J) K- |
growing number of home owners who are buying multiple revenue properties for
$ P+ r5 _$ k+ \ w- uinvestments and we now have an 'Interest-Only' mortgage available for 0 u4 |( y; ]. V4 G
self-employed borrowers on a 'Stated-income' basis for revenue " }6 Q) z! o ~2 a, D$ p' Z7 |7 s
properties. This marks the first time a self-employed individual can use
0 p/ j: X# ^! f'stated-income' to qualify for a revenue property.
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{3 X/ Q$ O: ^5 u, D" [The interest rates will be higher for this product, but it is
- c* `: O% g2 u c- j/ b( ~5 rreflective of a growing trend towards American-Style lending practices. A prime
3 V' }9 h# I' ^1 ^example of an American trend influencing our banks will be longer 5 l) D; E5 x6 R6 Y' _. \/ M! a
amortization periods. Canada has held tight on 25 year amortizations for
" {1 J3 B; D' w5 gyears, up until now that is. A few lenders have announced 30 year : w$ F+ @ y0 m% W
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 9 G8 v7 s. c) [. q1 ~7 m! a. H
term rates, look for lenders to get more creative with the discounts - j4 `7 v7 q1 I2 T, V+ c9 ^+ D! Q, d
they offer on Variable Rate Mortgages. I fully expect to see stronger
; V) l6 G Y: J3 [. K; vcompetition in the form of creative 'front-end loaded' discounts and & K/ a N: X1 r( P, H8 G: i9 h6 ~
teaser rates that make it more confusing to compare an apple to an apple
% O% Q* ~' K& F' m# B3 Lwhen shopping for the best mortgage option. It's going to be another busy 4 z( X3 v3 a6 [) ~/ ?' f. H9 p z
spring market and consumers are going to be faced with more choices # Y1 j0 q9 c- r
than ever before. The key, like always, is to get expert advice and . [8 W0 c# h- E% K5 \
remember you have options. |
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发表于 2006-5-7 20:26
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