 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表# B4 }3 _4 }& B7 c, {* F, j
0 c$ V0 u& c. |# K' U# M. }8 D/ m& Z! E- f9 |
谢谢，请继续。
; b% M7 k" g8 Q3 |% S4 Q) H! g f0 V. \) M m7 x& ]: S; o
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。
6 j3 P( H0 B9 x
+ U* Y4 S0 q$ z+ j- ^! ~The following article is written by Peter Kinch.
9 ~) M. W' T$ z$ o
. ^! X1 o) I% Z/ ySpring Is In The Air! In some markets in Canada it may feel like |/ |) ~$ T5 v" l
Spring is starting to arrive. Each and every year in late February and & v4 q; v% z, Y
early March, the banks start rolling out their Spring market campaign of
/ w0 L& q5 d" J/ _& P; ^, |& v- xnew products in an effort to attract new consumers. And, if early signs / @" `- p% X: J8 Y
are any indication, we're poised for yet another busy spring. The banks 3 o9 m: L/ `& H' |, n% @
view this as the best time of year to get your attention by coming up ! z: U# Y( e( c& A) H3 U
with new products or simply putting twists on old ideas. ( D% E- ~3 K4 L7 v) i# c
( r; z$ P7 W9 N
Over the next few weeks we'll see a variety of new products and this
# }8 T: C4 {6 ryear the early theme I'm seeing is banks getting more creative in an
) i$ G, T* @6 eeffort to help you borrow more money. This is partly in response to growing
& r+ t5 h# i$ J: \: N1 J* \- Cconcerns about the potential of rising rates. / R3 Z- U4 M7 S& E' I( b
; I, Z: b2 c. N! ]/ v* G
In an effort to take the focus away from rates, look for two lenders to
; _, N j0 w" C6 L* Rcome out with 'True Equity' programs that will allow home buyers the 9 O( z" E' o$ n! t
ability to borrow up to 75% of the equity in their homes without having
. \; m7 V# L6 }- L! d/ J& Bto qualify based on their incomes. These programs were previously only 0 X8 G" o$ q3 B
available to self-employed borrowers. Income earners had to either put 5 p. \+ {- x; _
more money down or pay higher rates. This will now be a mortgage based
3 a. f7 u' B5 O9 E! p- Z: Q/ Xon the equity and the rates will be fully discounted.; D( [# Z+ U& k- u4 Y( Y' ^2 \. I
Another product to keep an eye on is more lenders who will be combining
9 c$ S9 e( a, |6 S! Hthe mortgage with the line of credit and creating a 'Global borrowing - m. V. z& T9 }* F+ Q9 [5 D
limit' that will be re-advanceable. More and more consumers will be
; H+ J1 i2 U$ ?' [% ]' |$ Dlooking for these kind of products for tax planning and investment + B8 ?/ \7 J" o
strategies.
: x1 N/ Z/ e4 g, v2 k5 i( F2 k3 Q0 a0 j
And speaking about investors, banks are starting to recognize the : `! [: {$ ~2 b$ u0 u Q: E$ r6 c/ e
growing number of home owners who are buying multiple revenue properties for % I" E0 z2 h; z ]
investments and we now have an 'Interest-Only' mortgage available for
, N V, `; C2 n8 zself-employed borrowers on a 'Stated-income' basis for revenue " K h# |1 o0 k( p
properties. This marks the first time a self-employed individual can use , _& t# G( v* i8 U5 A
'stated-income' to qualify for a revenue property.
5 g( i* q; u" F! V7 S
( @! A6 }0 f9 X2 SThe interest rates will be higher for this product, but it is
4 @3 H) A8 V! u. ?reflective of a growing trend towards American-Style lending practices. A prime ; [; W4 E9 |7 C2 e
example of an American trend influencing our banks will be longer ; }* g8 l4 _* i2 o4 F
amortization periods. Canada has held tight on 25 year amortizations for
- w" t! ~6 v; u4 }years, up until now that is. A few lenders have announced 30 year
& M \3 M3 [9 K; oamortizations on CMHC insured mortgages at fully discounted interest rates.( {7 R, D: i3 s; ?* b/ H
! h2 T8 \- H+ t) fFinally, in an effort to further take your attention away from the long % b" m {3 O0 J5 B/ h
term rates, look for lenders to get more creative with the discounts + q, y7 w" q2 [3 e8 K+ ^1 J4 {
they offer on Variable Rate Mortgages. I fully expect to see stronger
5 j# g, p! x; Q j1 d( Xcompetition in the form of creative 'front-end loaded' discounts and * f" |- X% x& K4 v9 O' c7 u
teaser rates that make it more confusing to compare an apple to an apple k8 j5 _6 b7 T% B0 a
when shopping for the best mortgage option. It's going to be another busy
8 Y9 l$ o& x. y) b5 V( Cspring market and consumers are going to be faced with more choices ) p' S# _- O' D3 X. s8 `0 }6 U* x
than ever before. The key, like always, is to get expert advice and
; w$ X8 S, b9 dremember 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
