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原帖由 dgg 于 2006-5-8 10:12 发表
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3 L( v6 {0 R( T3 j; P谢谢，请继续。
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8 w* N( P9 V9 q* W2 e* G/ {8 Z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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' I" [' M0 h0 ]1 t2 N8 s/ [) SThe following article is written by Peter Kinch./ s( ~ }7 Z* u7 D7 ?5 P+ e
+ a8 E" ~4 \$ |5 I. W' xSpring Is In The Air! In some markets in Canada it may feel like
2 W! ?" r0 u8 B" u4 XSpring is starting to arrive. Each and every year in late February and
b1 z U X: n* Y. qearly March, the banks start rolling out their Spring market campaign of & ^, X6 }* n6 U# R4 x; a9 S- g& F; y3 }
new products in an effort to attract new consumers. And, if early signs
# j8 H6 l4 I0 G2 J% V+ xare any indication, we're poised for yet another busy spring. The banks
5 \5 ^ e; `9 ]view this as the best time of year to get your attention by coming up 9 t! W+ w1 c5 y7 X1 Q8 g( y1 k) `- I
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
. f+ W( q+ n" m6 s3 E/ i' ?1 nyear the early theme I'm seeing is banks getting more creative in an - n' [+ b* t' S- B$ b
effort to help you borrow more money. This is partly in response to growing " {9 F9 w$ L4 n7 l& |% B# z% H2 g
concerns about the potential of rising rates.
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9 E/ |: a. H7 I; S& P! v' ?In an effort to take the focus away from rates, look for two lenders to 7 V* b" m1 Z1 ^0 |# C
come out with 'True Equity' programs that will allow home buyers the
% \. F2 `7 Z7 D6 rability to borrow up to 75% of the equity in their homes without having $ X- a2 s0 f' X, r' D% R# U+ f
to qualify based on their incomes. These programs were previously only * ~1 |2 B' A" |' h' s" z3 E$ o
available to self-employed borrowers. Income earners had to either put * @$ f; k* n% h4 H1 F: Y
more money down or pay higher rates. This will now be a mortgage based
8 ]! e, |6 X& L& Don the equity and the rates will be fully discounted.
: w7 U3 b, d7 j" s zAnother product to keep an eye on is more lenders who will be combining " Y; W: X) H K7 W O
the mortgage with the line of credit and creating a 'Global borrowing
! a8 m* R$ Z* D8 _. f: ulimit' that will be re-advanceable. More and more consumers will be " c& Q0 S: P( |
looking for these kind of products for tax planning and investment
9 f. I& T4 K5 q; o2 _3 m+ V9 r! ^strategies.
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And speaking about investors, banks are starting to recognize the
a( o% V+ x: rgrowing number of home owners who are buying multiple revenue properties for - c) y- V3 f+ U
investments and we now have an 'Interest-Only' mortgage available for 4 t- t6 Q1 D) A- f5 l9 c, o
self-employed borrowers on a 'Stated-income' basis for revenue * K W% a7 B6 \; E; F0 K$ s
properties. This marks the first time a self-employed individual can use ( Y ~ j( f/ @* ^7 J# @- S
'stated-income' to qualify for a revenue property. 2 i0 `4 C7 `) N: d5 h8 I6 m; ]
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The interest rates will be higher for this product, but it is ^ e- ]6 ]8 ]
reflective of a growing trend towards American-Style lending practices. A prime
" W, H# j7 x. o3 z6 @8 a Oexample of an American trend influencing our banks will be longer
" e" A& g/ {6 F& Y( jamortization periods. Canada has held tight on 25 year amortizations for 4 J, [4 P; O7 F! _$ A" x
years, up until now that is. A few lenders have announced 30 year / q S& O( N7 W5 Y8 F+ ^6 E. g0 g
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 6 k2 o. k1 e( m% s2 R+ ^* e
term rates, look for lenders to get more creative with the discounts ! W- A# D7 @5 w9 }; Y
they offer on Variable Rate Mortgages. I fully expect to see stronger
7 {) g) R$ h% Z+ D! E* K9 ^ |competition in the form of creative 'front-end loaded' discounts and
$ G$ D ]0 o" E" X1 xteaser rates that make it more confusing to compare an apple to an apple
, Q; _- ?4 S$ D& i9 @6 q/ f% _when shopping for the best mortgage option. It's going to be another busy . |2 k5 o' O# q* Z. g
spring market and consumers are going to be faced with more choices J/ s! {! _. E( g
than ever before. The key, like always, is to get expert advice and 0 D5 O S% K8 [) i' m% m' E, M
remember you have options. |
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发表于 2006-5-7 20:26
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