 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表
2 m. |+ ^0 F6 j) {4 I7 P# }' t! `8 X: b4 O! ?. c+ L/ C" Z) y0 S
' T0 K, y m0 u9 P8 V谢谢，请继续。
' j9 c* \: H5 g# W ^
. @7 u+ _+ V) U# M$ 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。
: u8 C# a+ Z0 D6 y
8 ~+ \9 A2 x5 k6 ^* a% q, hThe following article is written by Peter Kinch.# Y- d! ~1 i! z4 E! u5 o
0 ^4 Y1 {2 X: K s) ?7 v9 n6 P- }
Spring Is In The Air! In some markets in Canada it may feel like & E, q t. r. b5 `" K
Spring is starting to arrive. Each and every year in late February and
Z: j* U1 v2 ]% ^( A ~early March, the banks start rolling out their Spring market campaign of : Y; k; Z3 M; t# n% b: p
new products in an effort to attract new consumers. And, if early signs
; h3 u4 G O5 s8 N3 @are any indication, we're poised for yet another busy spring. The banks
% L( w- X6 U. G1 ?0 c2 R+ sview this as the best time of year to get your attention by coming up $ B; `$ q+ ^ L
with new products or simply putting twists on old ideas. % O: I* r: _' j6 P& M
: j: K! D- T6 o0 b
Over the next few weeks we'll see a variety of new products and this
, l3 |4 I% \4 O; a; N/ }year the early theme I'm seeing is banks getting more creative in an
3 [5 [5 m) Y6 y6 Q% Y# Oeffort to help you borrow more money. This is partly in response to growing : x8 t. ~3 ]9 [; }
concerns about the potential of rising rates. ( o! ]' {$ k) i; V
1 d3 i* }$ M( S- IIn an effort to take the focus away from rates, look for two lenders to
% k5 G8 R. O# Z. f. ]come out with 'True Equity' programs that will allow home buyers the - d2 w3 ] O: O
ability to borrow up to 75% of the equity in their homes without having & e" d) L, M+ V9 F
to qualify based on their incomes. These programs were previously only
, ^' a" y8 N h9 z+ S& k' Zavailable to self-employed borrowers. Income earners had to either put
) p% B! B7 W lmore money down or pay higher rates. This will now be a mortgage based # ^( _4 d) J) \- |
on the equity and the rates will be fully discounted.4 p5 u8 B- ^& V4 }( h3 h2 p' z
Another product to keep an eye on is more lenders who will be combining
0 |& _6 i( S7 I4 s' G' I2 Zthe mortgage with the line of credit and creating a 'Global borrowing
- m0 Q l5 @# v+ ~: B" |" Ylimit' that will be re-advanceable. More and more consumers will be
6 Y2 c m5 R/ g |" z9 L# Wlooking for these kind of products for tax planning and investment
, X, I! v7 e3 k7 o. g( t# Sstrategies. 7 z3 w. U$ r* c
; v1 J6 e0 Z. F5 ]. e& Y2 C$ m
And speaking about investors, banks are starting to recognize the
& l5 i/ c' f. n7 J) ^! |growing number of home owners who are buying multiple revenue properties for ; P2 {- ~0 }+ n- D1 W7 G
investments and we now have an 'Interest-Only' mortgage available for
/ v" [ F) K0 ]* V' }$ F+ K4 C$ pself-employed borrowers on a 'Stated-income' basis for revenue
) m+ t; H1 E2 o+ W4 a/ |1 Hproperties. This marks the first time a self-employed individual can use
# ~& O5 e, T2 L/ R$ k4 ^4 G'stated-income' to qualify for a revenue property.
7 d9 y; b( a0 ` U0 a: |2 ~% H
# p, }" B3 E6 z) q5 w# DThe interest rates will be higher for this product, but it is ( c S1 q, m. R7 f) c: ?
reflective of a growing trend towards American-Style lending practices. A prime
$ C5 v/ Y/ S1 {! A0 c. Cexample of an American trend influencing our banks will be longer + [- M/ b' @+ ?5 u- P9 E
amortization periods. Canada has held tight on 25 year amortizations for
1 { k4 @% H" ~% x! Byears, up until now that is. A few lenders have announced 30 year
2 Q" H2 G3 A3 Z4 b) H! Famortizations on CMHC insured mortgages at fully discounted interest rates.' ]9 z- f0 _5 f( C
* m' d& K1 [ |6 ]9 M5 f* J
Finally, in an effort to further take your attention away from the long
2 j+ Q% R/ H/ ]$ R wterm rates, look for lenders to get more creative with the discounts 3 t# i# G( {7 i6 T
they offer on Variable Rate Mortgages. I fully expect to see stronger
6 W$ p6 D# `/ M. S+ C3 f3 Q& Z: qcompetition in the form of creative 'front-end loaded' discounts and , X' ~& c8 p" c2 u. O$ k& L! |
teaser rates that make it more confusing to compare an apple to an apple
/ B1 r' b* }% w; H Z% ?" [when shopping for the best mortgage option. It's going to be another busy
/ p7 M4 c. S" Kspring market and consumers are going to be faced with more choices 0 o. x9 y) m6 B9 J
than ever before. The key, like always, is to get expert advice and " j1 A, r5 V5 ]6 ^" q2 |
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
