 鲜花( 0)  鸡蛋( 0)
|
原帖由 dgg 于 2006-5-8 10:12 发表0 s2 E/ E7 D, ^* z
5 G& D& ?% I. |8 U
/ R, V3 I1 s' [6 s* i
谢谢，请继续。; y9 E+ }) C+ k! F# i
& C" g- `( w9 `% Q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。
* t: { a$ E9 d) f, \/ a& Y! `, a; _" G9 b6 `; S0 F2 m
The following article is written by Peter Kinch.
+ E7 q% O; B" z1 _ I9 a6 R- y/ [# A3 G# @* x! Y5 Z; e
Spring Is In The Air! In some markets in Canada it may feel like
4 T5 s* b9 u% b9 B0 xSpring is starting to arrive. Each and every year in late February and 4 Y& {( M! X% \, s: q
early March, the banks start rolling out their Spring market campaign of
. e A U: M$ e' Tnew products in an effort to attract new consumers. And, if early signs , G9 }6 x1 @; b1 k) _8 E: E
are any indication, we're poised for yet another busy spring. The banks & f7 F( y( J: P# H g) g
view this as the best time of year to get your attention by coming up
+ F! R4 M, B% o1 Zwith new products or simply putting twists on old ideas.
; J2 }% q1 G/ z, ^' O1 ]# d9 T2 K3 ^
Over the next few weeks we'll see a variety of new products and this % G- o1 J8 ~# C! R% h
year the early theme I'm seeing is banks getting more creative in an % f9 i+ Y6 U8 X! N' J' B
effort to help you borrow more money. This is partly in response to growing 8 \$ o2 Y# a% {) @' v
concerns about the potential of rising rates. 3 K2 [- Q: F" t1 D! @8 R
@! c) f' \* k0 ?3 G6 _$ Z' x
In an effort to take the focus away from rates, look for two lenders to ) E: E4 l0 Q$ d
come out with 'True Equity' programs that will allow home buyers the
o: J2 O/ u/ e9 Iability to borrow up to 75% of the equity in their homes without having
! N P* M7 U' nto qualify based on their incomes. These programs were previously only \8 k& V- x% ], X7 E
available to self-employed borrowers. Income earners had to either put
( h* E7 }+ i5 R" C; F1 q0 U0 Emore money down or pay higher rates. This will now be a mortgage based
5 `1 C" J3 ~6 @4 [' Uon the equity and the rates will be fully discounted.7 \- O+ O" k* Z8 B( e
Another product to keep an eye on is more lenders who will be combining
* U" x, H4 X5 gthe mortgage with the line of credit and creating a 'Global borrowing
0 J" t; W6 n6 {. `! f. rlimit' that will be re-advanceable. More and more consumers will be
1 {+ E. s( s0 h Y6 f# }# O( Xlooking for these kind of products for tax planning and investment
- }$ n: F9 d% z3 U( W- R. e2 astrategies. ; D( W. j1 _# b6 b
. M7 ?# w" A6 h( x* {# E" h: N
And speaking about investors, banks are starting to recognize the 8 X# M3 Y, i3 n; v2 C# _0 s ~
growing number of home owners who are buying multiple revenue properties for
" @. i! k/ U7 U+ |- j# rinvestments and we now have an 'Interest-Only' mortgage available for
; z9 c/ f5 H) J6 |) Z' ]self-employed borrowers on a 'Stated-income' basis for revenue
* Z) h5 }- b* r1 wproperties. This marks the first time a self-employed individual can use & @- H) v0 B% a% O
'stated-income' to qualify for a revenue property. ) z+ q( g9 K. [9 i2 A
3 G T9 G/ F9 v$ _" w
The interest rates will be higher for this product, but it is ( |1 s. d! q; J- P
reflective of a growing trend towards American-Style lending practices. A prime ' L* U& E- \) @1 o2 Z% X
example of an American trend influencing our banks will be longer
3 n' ^6 V/ Z9 S8 m2 j: Famortization periods. Canada has held tight on 25 year amortizations for
; j$ x- x0 j2 r2 s7 }years, up until now that is. A few lenders have announced 30 year 2 b! Q, S+ j4 A3 [; V
amortizations on CMHC insured mortgages at fully discounted interest rates.
3 a h/ \1 d6 p) S3 {) A) k# P, j& z T! W. h# `' L
Finally, in an effort to further take your attention away from the long 6 L* M# }: N, N/ \$ _3 s3 L8 U
term rates, look for lenders to get more creative with the discounts + w' Y( P2 c- U
they offer on Variable Rate Mortgages. I fully expect to see stronger 0 {. O3 T6 s8 w3 j( Y
competition in the form of creative 'front-end loaded' discounts and
2 L6 p0 j/ Q1 n/ X4 f" nteaser rates that make it more confusing to compare an apple to an apple
' O& s$ f* C0 Swhen shopping for the best mortgage option. It's going to be another busy 1 X/ }) u) E4 R2 U/ z( E
spring market and consumers are going to be faced with more choices - B3 v7 s6 k8 A( G" ^8 d* v
than ever before. The key, like always, is to get expert advice and 6 O2 C6 ^' V( n; }
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
