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原帖由 dgg 于 2006-5-8 10:12 发表& R6 \0 {3 f- U, D
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" @7 ?) [! t" S# F# r谢谢，请继续。
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0 R. _+ p" ~% P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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The following article is written by Peter Kinch.3 K- L( S6 U. C! T( C [; B1 g
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Spring Is In The Air! In some markets in Canada it may feel like
+ N; K4 h1 b8 c5 u/ N6 OSpring is starting to arrive. Each and every year in late February and 0 a0 i9 |1 I' `; d3 _
early March, the banks start rolling out their Spring market campaign of
3 K/ y+ e9 v0 {8 Y5 Pnew products in an effort to attract new consumers. And, if early signs
9 S+ X9 r$ q: ^9 T4 j% D3 |are any indication, we're poised for yet another busy spring. The banks 3 p6 @ w5 s ?1 T% u( {
view this as the best time of year to get your attention by coming up
+ ~( k2 a& Z7 E. z7 w' h& dwith new products or simply putting twists on old ideas. ! }2 D3 q, x( Z7 f
& s! f1 A# d! x; S1 J, R$ ~Over the next few weeks we'll see a variety of new products and this 9 x1 F1 Z% r* A- ^0 A' a
year the early theme I'm seeing is banks getting more creative in an ( n! j) u# z2 Y- K* o; G- E
effort to help you borrow more money. This is partly in response to growing 7 y0 B( K! b4 c$ ^- @: M# [
concerns about the potential of rising rates. |. K- {3 R6 C8 z
- E3 @( C4 m) M+ p" g. b; aIn an effort to take the focus away from rates, look for two lenders to - b3 J% O! n& v! f/ w
come out with 'True Equity' programs that will allow home buyers the
% @# O1 [1 j* R% jability to borrow up to 75% of the equity in their homes without having
9 _! j$ K# X1 \to qualify based on their incomes. These programs were previously only
( i2 T9 V9 c# n9 ]# T: R9 Wavailable to self-employed borrowers. Income earners had to either put # w% ~ i2 V/ z2 g2 u1 x8 w, H
more money down or pay higher rates. This will now be a mortgage based
. g+ j1 @' n* O3 v# b- _on the equity and the rates will be fully discounted.
$ e8 W; f I9 m4 l" lAnother product to keep an eye on is more lenders who will be combining
1 D# G# {! L& e5 f5 ?& [the mortgage with the line of credit and creating a 'Global borrowing 5 K. K" ?- P' g6 L5 s1 F
limit' that will be re-advanceable. More and more consumers will be 5 ~) M7 r; j4 @. N# @; B
looking for these kind of products for tax planning and investment
5 x% h% ^. }& b, h+ pstrategies.
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! H9 P: x' e1 c5 m5 i+ D3 TAnd speaking about investors, banks are starting to recognize the
( U4 p# J4 P5 v b8 Vgrowing number of home owners who are buying multiple revenue properties for * D/ I- d8 Y$ Q' R
investments and we now have an 'Interest-Only' mortgage available for " z% L" L ~6 R7 Y
self-employed borrowers on a 'Stated-income' basis for revenue 9 D5 n; {! z. u4 O5 M
properties. This marks the first time a self-employed individual can use 0 u( {: O V% Q4 P! e% [+ Z F
'stated-income' to qualify for a revenue property.
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The interest rates will be higher for this product, but it is 3 w5 K3 o+ {' e! A& R) B8 a3 H
reflective of a growing trend towards American-Style lending practices. A prime
$ e$ \. g& R: a; K! r4 Vexample of an American trend influencing our banks will be longer 5 W, S' \8 Q: E. g
amortization periods. Canada has held tight on 25 year amortizations for $ L# B/ x: U& Z& R+ ?7 c$ ~
years, up until now that is. A few lenders have announced 30 year ! P0 m' t( S- Q$ V9 r- M0 g- u. 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
: A% O6 a* n, O" iterm rates, look for lenders to get more creative with the discounts 4 P+ C# _. a: \6 ^# d. s' \
they offer on Variable Rate Mortgages. I fully expect to see stronger
! k* }: f) Q6 lcompetition in the form of creative 'front-end loaded' discounts and ) b; j1 j0 v3 L! ?9 D, L
teaser rates that make it more confusing to compare an apple to an apple
r2 K+ @: }7 }: f) I" zwhen shopping for the best mortgage option. It's going to be another busy ' ^4 N% S" W6 i( b0 T
spring market and consumers are going to be faced with more choices ; A/ }9 \3 ~4 w1 d) Y9 f9 S
than ever before. The key, like always, is to get expert advice and
& ?: ~% i' o/ E! {) g1 @, Rremember you have options. |
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发表于 2006-5-7 20:26
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