 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表4 p! w( K9 Z: I% Z* r6 @) R
3 v7 E X4 l$ }" }- Y8 ?
5 G( _6 g( a9 u* j谢谢，请继续。
0 j) y3 L( V2 l! k5 R/ I) x4 {) t: `# m+ K" ~2 I
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。
3 Y( \* d# e0 k/ e- D% i" ^6 j% B5 Q
The following article is written by Peter Kinch.7 q5 C; w# t' \4 K- z+ k+ E0 @
, K/ Z. f, f( K0 T |, m& XSpring Is In The Air! In some markets in Canada it may feel like 3 \+ [5 b% V6 [* J& N
Spring is starting to arrive. Each and every year in late February and
7 d/ \" e! z6 F# [" z' zearly March, the banks start rolling out their Spring market campaign of 0 L" o# _/ w( @. X! r7 ?7 A- p
new products in an effort to attract new consumers. And, if early signs
8 J( Y' B q/ h8 M" R: n5 hare any indication, we're poised for yet another busy spring. The banks
3 v1 t4 u3 t1 F5 I5 Dview this as the best time of year to get your attention by coming up , b2 u% _& m' y6 r7 f: L
with new products or simply putting twists on old ideas.
% d/ P7 Q7 A( I q- z, T
0 l" k/ D8 ]7 W$ v8 }8 f+ VOver the next few weeks we'll see a variety of new products and this
~% x. x+ }7 oyear the early theme I'm seeing is banks getting more creative in an
& s4 D8 k3 ^& V2 D! X2 r4 oeffort to help you borrow more money. This is partly in response to growing * Z- C# y, N- H
concerns about the potential of rising rates.
6 D/ y) B. {% m9 K4 z, ^6 l- _" k! y! w$ t- h! g7 k( I$ p
In an effort to take the focus away from rates, look for two lenders to
) y& N6 T# q: [! icome out with 'True Equity' programs that will allow home buyers the
, x3 b! k7 O) i. `; R6 ]ability to borrow up to 75% of the equity in their homes without having
0 m) k1 Y3 g! t6 ^/ W8 w! Xto qualify based on their incomes. These programs were previously only & ~) ~4 b5 z6 |8 K. l& g5 }
available to self-employed borrowers. Income earners had to either put
& i$ i G) j# s3 }2 p# T5 Gmore money down or pay higher rates. This will now be a mortgage based
' h7 v! W, Q8 E! Z/ ~" M3 W' qon the equity and the rates will be fully discounted.5 b, P1 C8 {8 Y; h' j
Another product to keep an eye on is more lenders who will be combining
6 _( p: w2 l) {. rthe mortgage with the line of credit and creating a 'Global borrowing
$ q2 ? D: y4 C4 hlimit' that will be re-advanceable. More and more consumers will be , }7 V7 y. L w# p6 ]1 u
looking for these kind of products for tax planning and investment & G; N6 D; ?4 ]. q
strategies.
( ]5 M3 w+ G4 s, o
0 V. C/ Z! k4 K4 U; `5 b: eAnd speaking about investors, banks are starting to recognize the : w1 I& ?) I9 h/ u. j6 v
growing number of home owners who are buying multiple revenue properties for $ Y: ]2 @# o f* ]& K8 B
investments and we now have an 'Interest-Only' mortgage available for
# r t/ q. u$ j. s1 mself-employed borrowers on a 'Stated-income' basis for revenue * M6 ]* E/ {! }) |. H
properties. This marks the first time a self-employed individual can use ; _* g4 f$ b8 D8 v* O2 T0 Z
'stated-income' to qualify for a revenue property.
: m/ u# ?6 y( A' @% T5 g
6 Y, S0 d/ G6 {' o) sThe interest rates will be higher for this product, but it is
- A2 |' `# H4 `- B, B, P! lreflective of a growing trend towards American-Style lending practices. A prime 7 @# ]& E( ?: }) @) d
example of an American trend influencing our banks will be longer
O& J5 n+ X) ?; H! s" Mamortization periods. Canada has held tight on 25 year amortizations for 1 X' x4 e1 u2 ?1 H( D
years, up until now that is. A few lenders have announced 30 year
* ?) m2 j$ U, s4 G0 {9 Yamortizations on CMHC insured mortgages at fully discounted interest rates.
$ U; q- G' @0 F! A2 D$ w6 m
. z) s5 a) U$ H% c2 L+ iFinally, in an effort to further take your attention away from the long
" T4 f1 m1 B6 X9 m1 L3 sterm rates, look for lenders to get more creative with the discounts
! [' N5 I0 X5 h( r2 d4 zthey offer on Variable Rate Mortgages. I fully expect to see stronger ) q$ I7 w4 x3 p. C" H# G9 T# l
competition in the form of creative 'front-end loaded' discounts and ' ]0 J C2 k9 ^' X& @
teaser rates that make it more confusing to compare an apple to an apple
# h+ W2 f# W9 R, B* E1 Awhen shopping for the best mortgage option. It's going to be another busy
- ~, `" n& H) M8 i0 y9 t9 h( xspring market and consumers are going to be faced with more choices
! d2 d' O5 Y3 x1 Zthan ever before. The key, like always, is to get expert advice and 6 w6 b8 a, G$ p% o, a x
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
