 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表
# ` w0 C4 ^3 A) w+ j& M( {( C$ n
9 P# a8 g- n k8 h$ \8 [" x
4 d$ ~6 S7 g# x: W谢谢，请继续。5 L! O) l8 x8 y3 p* R
( x3 V/ P" ~, H b9 Q4 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。
) b7 [7 Q# ]' ZThe following article is written by Peter Kinch.: `6 S2 Y* K0 [: _
3 p7 J- n. Z5 @2 U
Spring Is In The Air! In some markets in Canada it may feel like 9 T& } U! t+ c$ V* s
Spring is starting to arrive. Each and every year in late February and
8 y5 O, |, S' u( K2 T: bearly March, the banks start rolling out their Spring market campaign of
. Q) L* Z; R2 i5 A% r. j- o0 anew products in an effort to attract new consumers. And, if early signs
6 k) ?6 I& s% B3 v$ |are any indication, we're poised for yet another busy spring. The banks
/ F9 y' }; k3 J! ~. `) }/ q2 Hview this as the best time of year to get your attention by coming up * @+ M- g. d: N
with new products or simply putting twists on old ideas.
; g5 `$ W+ A; z: u+ H1 C' \$ P; }& C) n
Over the next few weeks we'll see a variety of new products and this
* d' ]# C4 h" m U, m Uyear the early theme I'm seeing is banks getting more creative in an " }# C: j3 v5 q% c2 _
effort to help you borrow more money. This is partly in response to growing ' V# V1 s7 H# N8 a6 Y
concerns about the potential of rising rates. T& ^, H8 ^( F7 Y( P5 i: z
0 }" G m$ ~9 J) f3 |, D j# X2 d* SIn an effort to take the focus away from rates, look for two lenders to
( ^3 p4 [5 j: ~6 D+ P! ~come out with 'True Equity' programs that will allow home buyers the
. v( \) a. l' s* Pability to borrow up to 75% of the equity in their homes without having
2 t; r2 H: q4 m/ W8 C9 d7 Kto qualify based on their incomes. These programs were previously only
4 t, p' t4 N" [) q; e! Javailable to self-employed borrowers. Income earners had to either put
; r8 ^; C# b8 L2 @; Ymore money down or pay higher rates. This will now be a mortgage based
v1 W' W) e6 lon the equity and the rates will be fully discounted.* Z: e E( l/ f6 X
Another product to keep an eye on is more lenders who will be combining
, ~- ]( c: ^% n% A* b8 i! hthe mortgage with the line of credit and creating a 'Global borrowing
$ }, b: q: a7 l( H& Y1 mlimit' that will be re-advanceable. More and more consumers will be J7 W2 y. o( _, e! ^: o1 `3 H
looking for these kind of products for tax planning and investment
' v' Q: b1 G# G8 |' S, |' i2 {1 Xstrategies.
5 n. ]$ k. ]; n7 c3 K' v- ~' s0 @* N4 ~/ u: S
And speaking about investors, banks are starting to recognize the & k! G `0 ?, a, L- e8 J) d/ P& U D
growing number of home owners who are buying multiple revenue properties for : l0 \. \/ S% o, u" f, x6 F
investments and we now have an 'Interest-Only' mortgage available for 8 S. S9 v2 g- m* C, h' s6 ~$ V9 Z# G
self-employed borrowers on a 'Stated-income' basis for revenue
8 Z* c( X/ v* E$ r$ Q% _properties. This marks the first time a self-employed individual can use
' e! M) j1 ]2 J0 H$ S8 D7 S'stated-income' to qualify for a revenue property. ( k- j2 c$ Z9 k( r" p: M8 P
# y# J/ H, E h0 E6 ?
The interest rates will be higher for this product, but it is
" F8 s0 {0 I6 x) mreflective of a growing trend towards American-Style lending practices. A prime
! }1 l/ Q; P. iexample of an American trend influencing our banks will be longer
4 ~8 }& c; {/ ]) |" p* iamortization periods. Canada has held tight on 25 year amortizations for
3 }4 ]$ U8 S. m& {years, up until now that is. A few lenders have announced 30 year
1 n- h& L( B" U1 S3 F- b5 Z* \amortizations on CMHC insured mortgages at fully discounted interest rates./ W6 s" a( z2 M% f! i. g
( H6 A" R; K, [! R* h+ X- c( V" x
Finally, in an effort to further take your attention away from the long
8 z0 I& t7 }; x% r) jterm rates, look for lenders to get more creative with the discounts
+ ~; ^ F |& q3 v6 mthey offer on Variable Rate Mortgages. I fully expect to see stronger
2 `& N Q1 K) E9 V+ o& ~competition in the form of creative 'front-end loaded' discounts and
9 _$ j( l; q! @. K$ D) Z! `teaser rates that make it more confusing to compare an apple to an apple & y5 m& j: Y0 }# `# l* T
when shopping for the best mortgage option. It's going to be another busy
7 b7 b/ M6 L5 x8 e- X7 ]spring market and consumers are going to be faced with more choices : M* a {2 u( V1 l+ Q5 F$ |1 c: H
than ever before. The key, like always, is to get expert advice and
! M- S5 D) k9 u/ @0 kremember 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
