 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表
4 y5 n. P; g" M- G1 h' D4 |0 m- ]! ?# I. u$ O x
G, U( r" h! Q, f: q
谢谢，请继续。6 q+ \. d6 ~8 {
, ^& W. z. I7 |1 s. k0 F
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。
. g* O# f8 ]. S0 P3 a
The following article is written by Peter Kinch.
, R' e) \3 k" Z
2 M" c$ m& t2 {! h" ]Spring Is In The Air! In some markets in Canada it may feel like 3 |/ d# O n, H9 i* i& o5 z- D* w
Spring is starting to arrive. Each and every year in late February and
- z6 I5 S: D* B9 ~3 W# Dearly March, the banks start rolling out their Spring market campaign of , S+ [) U% d. B; G p4 |
new products in an effort to attract new consumers. And, if early signs
" q) F/ f( b( Mare any indication, we're poised for yet another busy spring. The banks
& @3 @5 C( S: t1 dview this as the best time of year to get your attention by coming up
/ ?# H( g" X4 x' m& fwith new products or simply putting twists on old ideas. - q1 p- Q& z9 L& [
, G3 Y7 `5 m3 ?4 v* }: t( K
Over the next few weeks we'll see a variety of new products and this 8 E1 v. I! M3 P* T6 ?5 F1 n7 g6 C8 o- H
year the early theme I'm seeing is banks getting more creative in an ' a7 k4 ~% H6 F* ^ U- e+ I6 O
effort to help you borrow more money. This is partly in response to growing
, X9 k0 G5 T( `( i0 f5 Gconcerns about the potential of rising rates. 8 D% A. r- R2 Z: ]' m% v. l
0 K$ I( a- x3 l) RIn an effort to take the focus away from rates, look for two lenders to
9 m' Y5 G5 T* B8 t6 l3 ~/ l6 X+ fcome out with 'True Equity' programs that will allow home buyers the
. Q. t7 T0 W- @! rability to borrow up to 75% of the equity in their homes without having 9 f* N, ^$ S+ P% ]% f$ H6 P: o
to qualify based on their incomes. These programs were previously only & H: ? X7 H. O d
available to self-employed borrowers. Income earners had to either put
; w1 z j, X. m1 G5 a' ^$ E" Bmore money down or pay higher rates. This will now be a mortgage based * D$ ^2 ^* e1 P( w6 g7 D
on the equity and the rates will be fully discounted.
0 ]4 c# R0 O' J+ X# g$ q1 V+ EAnother product to keep an eye on is more lenders who will be combining 6 i$ Q$ |) i- w8 k' z8 E
the mortgage with the line of credit and creating a 'Global borrowing 1 m! T& }- f) P! T- m8 f" G
limit' that will be re-advanceable. More and more consumers will be , N* T: J0 Q. H
looking for these kind of products for tax planning and investment
! \$ x1 _/ j( {, V' Zstrategies. , l+ B9 G8 M: y, {5 M
; h% N# m) f I
And speaking about investors, banks are starting to recognize the
1 }6 `9 M+ \$ T1 Y+ j" \5 hgrowing number of home owners who are buying multiple revenue properties for
8 Y& Q r. |* xinvestments and we now have an 'Interest-Only' mortgage available for ) G u1 L$ E" U7 j! ^, A
self-employed borrowers on a 'Stated-income' basis for revenue 4 m( L1 x6 D6 }( C% q9 }
properties. This marks the first time a self-employed individual can use % \. R0 \6 C5 z+ @6 }
'stated-income' to qualify for a revenue property. % e+ P, ?% U1 |# q; Y4 r; i
* v" J9 A& |0 ]6 E0 p4 xThe interest rates will be higher for this product, but it is / n% m2 A- a o# d# w W# B
reflective of a growing trend towards American-Style lending practices. A prime * i S$ \% }$ i6 v: N! R
example of an American trend influencing our banks will be longer ' Z7 z' e1 H) }9 J
amortization periods. Canada has held tight on 25 year amortizations for - v' X) f! v4 h4 V' H/ M: G
years, up until now that is. A few lenders have announced 30 year 5 a9 Z% g7 ]3 f" E4 S
amortizations on CMHC insured mortgages at fully discounted interest rates.
, S; g) e4 }% R8 s# T! z. r+ E- }5 T. f+ l8 O
Finally, in an effort to further take your attention away from the long
8 D7 H4 l9 `( o, P' i Q( U2 @term rates, look for lenders to get more creative with the discounts
9 `/ ]5 l0 l J5 `' h+ e0 ithey offer on Variable Rate Mortgages. I fully expect to see stronger . f6 }' `; _) I$ \2 r/ h3 z# I+ R
competition in the form of creative 'front-end loaded' discounts and
! T5 y j6 N8 }& k! }! s X0 Hteaser rates that make it more confusing to compare an apple to an apple $ Y+ f& R& G- ^5 s1 z
when shopping for the best mortgage option. It's going to be another busy 1 n8 v( f, V* h: z& A' Z6 P" s
spring market and consumers are going to be faced with more choices / w! }0 B* p2 c$ f, @" o J
than ever before. The key, like always, is to get expert advice and : U% X& H% p! U" K
remember 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
