 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表7 f: ?' e: H6 j1 ?& q
2 V# p; T, C' S$ q6 h+ Y2 ]5 j9 F) }( ?' c1 l4 h8 O/ }" r
谢谢，请继续。7 r" H: c6 z7 ^ R
' ]- f/ R# o" U1 V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。
) W! _' v: ~5 D# K+ X; M
The following article is written by Peter Kinch.
. q$ P+ N3 a* K# n$ S% N% ^: H% T3 U% N2 Z
Spring Is In The Air! In some markets in Canada it may feel like
' s: G4 i. }& D1 f) X- iSpring is starting to arrive. Each and every year in late February and
# {, h ?' u/ O% z, D @; q$ zearly March, the banks start rolling out their Spring market campaign of
* D7 ^* R# C8 ~new products in an effort to attract new consumers. And, if early signs
! V2 m1 d8 a4 f# D; mare any indication, we're poised for yet another busy spring. The banks
& G9 `0 t% d) d; ?9 {, Pview this as the best time of year to get your attention by coming up ) S2 Y4 @. n% Q; p; F9 U
with new products or simply putting twists on old ideas. , |$ g/ _ S/ U0 E% t8 j+ L# a
, N$ o% q! S# d! s! l d. [Over the next few weeks we'll see a variety of new products and this % t4 K2 J; P% @0 j( q. w
year the early theme I'm seeing is banks getting more creative in an ! i- A# @5 C$ w% \' g* v
effort to help you borrow more money. This is partly in response to growing
0 B2 Y; E5 R; h+ ~* x6 O3 j: vconcerns about the potential of rising rates.
' j( q- T$ k$ }2 | \
1 K! {- X9 T4 G2 yIn an effort to take the focus away from rates, look for two lenders to
) f, Z$ H9 E* q' t* V- V0 {% A' N2 ^% Ycome out with 'True Equity' programs that will allow home buyers the / i, F# h2 _' c
ability to borrow up to 75% of the equity in their homes without having
" Q1 k. O" M8 l4 [( ^0 qto qualify based on their incomes. These programs were previously only 3 T7 k0 K7 v4 c- B2 J
available to self-employed borrowers. Income earners had to either put
3 A# e) Q8 e: }, I) \4 I4 Kmore money down or pay higher rates. This will now be a mortgage based " g4 u1 O: r% N& \8 n- e
on the equity and the rates will be fully discounted.9 h/ t* X4 t( D0 Z, |$ n- n% |
Another product to keep an eye on is more lenders who will be combining . Q K3 w7 V* E& B& T/ m" \
the mortgage with the line of credit and creating a 'Global borrowing ' Z- C+ P' B: v0 R" V
limit' that will be re-advanceable. More and more consumers will be
2 S/ R5 ~- D9 U) G- ilooking for these kind of products for tax planning and investment
. \; o' A# y" P# }strategies.
! y' I- v" |- x! x* ~
. B, Q1 g( c% I7 c- eAnd speaking about investors, banks are starting to recognize the
7 ?/ a3 q" G# W0 R. [# `growing number of home owners who are buying multiple revenue properties for 9 h: W/ X$ m) M% O k. F' B
investments and we now have an 'Interest-Only' mortgage available for 3 ?& C5 ~. v* }2 m8 |* V; N6 L; B
self-employed borrowers on a 'Stated-income' basis for revenue " E8 |' B2 {8 M, f( I
properties. This marks the first time a self-employed individual can use 0 R. A' Q& I& |0 d$ u0 a0 G* }
'stated-income' to qualify for a revenue property. & O2 i- y$ X1 D: S3 ]! i C
1 i) c: m4 R. J W( KThe interest rates will be higher for this product, but it is
% ~! Q& E) i5 V2 y% \5 F Breflective of a growing trend towards American-Style lending practices. A prime
6 |! k' ]- j& X" t& ?( zexample of an American trend influencing our banks will be longer
4 R+ g$ Y0 [3 v+ _0 D; z! Namortization periods. Canada has held tight on 25 year amortizations for
6 E- K, [# {* _2 r* e& H uyears, up until now that is. A few lenders have announced 30 year ) A+ q$ S8 a" i8 w" ~4 o
amortizations on CMHC insured mortgages at fully discounted interest rates.
8 q/ h4 x3 m8 ~- f- K# v. y6 n: Z( O5 W3 f! c: r! u. y& e
Finally, in an effort to further take your attention away from the long
Z6 b7 g% B5 v, e* G8 W9 Zterm rates, look for lenders to get more creative with the discounts
! k2 _/ \2 @+ V6 Wthey offer on Variable Rate Mortgages. I fully expect to see stronger
- h" d/ F% _) z7 p3 [competition in the form of creative 'front-end loaded' discounts and * c$ t7 n! {( m4 t3 ?
teaser rates that make it more confusing to compare an apple to an apple + n8 f L0 O5 `# V
when shopping for the best mortgage option. It's going to be another busy + G Y3 H1 j! ~5 l$ K
spring market and consumers are going to be faced with more choices
: R% e! W& _3 E1 hthan ever before. The key, like always, is to get expert advice and
" R2 M: i: }. M: |) N/ `! tremember 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
